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Personal IRAs

Plan Today for the Retirement You Want Tomorrow

Saving for retirement starts with planning ahead. United Bank offers Traditional and Roth IRA options designed to help you build towards your long-term financial goals.

Program Highlights

Traditional and Roth IRA options available
Competitive IRA interest rates
Flexible contribution options
FDIC insured up to applicable legal limits
IRA funds invested in secure Certificates of Deposit (CDs)
Rollovers from qualified retirement plans accepted
Online and mobile banking access available

Traditional IRA

Potential tax-deductible contributions*
Earnings grow tax-deferred until withdrawn
Rollovers from qualified retirement plans accepted
Required minimum distributions based on IRS guidelines

Call or Visit to Learn More

Roth IRA

Contributions made with after-tax dollars
Qualified withdrawals may be tax-free, subject to IRS rules
No mandatory distributions during the account holder's lifetime
Designed for flexible long-term retirement savings

Call or Visit to Learn More

Contribution Information

Annual IRA contribution limits apply based on IRS guidelines
Additional catch-up contributions may be available for customers age 50 and older
Withdrawals prior to age 59 ½ may be taxed and subject to 10% IRS penalty (See IRS Publication 590 for qualified early withdrawals)
IRAs offering other investment opportunities are available through United Bank's Financial Services Division

The two types of IRAs that allow for individual contributions are Traditional IRAs and Roth IRAs. For more details, see IRS Publication 590.

Questions? Talk with a local banker to learn more or open an IRA today.

Getting started is easy:

Call us at 251-446-6000 or visit a branch.
Choose between a Traditional or Roth IRA.
Open your IRA.
Start saving for a stronger financial future.

*IRA eligibility, contribution limits, tax advantages, and distributions are subject to IRS rules and may change annually. Withdrawals before age 59½ may be subject to taxes and IRS penalties unless an exception applies. Traditional IRA deductibility and Roth IRA eligibility are subject to income and IRS requirements. FDIC insurance applies to applicable deposit products up to legal limits. Consult your tax advisor regarding your specific situation.

Disclosures

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products offered through LPL or its licensed affiliates. United Bank is not registered as a broker-dealer. Registered representatives of LPL offer products and services using LPL Financial, and may also be employees of United Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, United Bank. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency	Not Bank Guaranteed	Not Bank Deposits or Obligations	May Lose Value

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

So what would you like the future to hold? Maybe a week at the beach. A gourmet set-up in the kitchen. A son or daughter at State U. Or the security of knowing you can handle life’s ups and downs. With a United Bank savings account, you set the goals and we’ll give you the tools to work toward them.

Deck the halls with a lot more dollars

From family gatherings to festive meals to fantastic gifts, the Christmas season can cost a pretty penny. One way to make it all more affordable is with year-round deposits to a special interest-earning account. When November arrives, all the money will be automatically deposited in your United Bank checking account for quick and easy access.

Apply Now

Christmas Club accounts are limited to one per customer
Maximum balance of $10,000
Minimum automatic deposit of $20 each month from a United Bank account
Additional deposits permitted
Account must be linked to a United Bank checking account for November distribution¹
Competitive interest accrues monthly and is paid at distribution (Interest rate in effect when the account was opened)²
$10 fee if withdrawals are made outside standard distribution date.
$10 fee if you close the account before distribution date³

¹ Distribution date will occur on the nearest business day following November 1. This date may vary.
² Interest rate and Annual Percentage Yield (APY) may change without notice.
³ Fees may reduce earnings.

An emergency fund is a safety net for your money, there to help you out when life makes an unexpected turn. If someone in your family gets sick, or if there are sudden changes in jobs, this money is there to give you peace of mind. Instead of worrying about how to pay for unexpected bills, your emergency fund can cover those costs.

Apply Now

5.00% APY* on the first $5,000 in your account
Ability to set up automatic transfers from your checking account to your savings account each month or more frequently
FDIC-Insured account

Emergency Calculator

^{*APY = Annual Percentage Yield}
^{Rate Information: This Account is an interest bearing account. If the daily balance is less than $5,000.01, the interest rate paid on that portion of the balance will be 4.91%. The annual percentage yield for this tier will be 5.00%. If the daily balance is more that $5,000.00, but less than $10,000.01, the interest rate paid on that portion of the balance will be 0.75%. The annual percentage yield for this tier will range from 5.00% to 2.88%. If the daily balance is more than $10,000.00, the interest rate paid on that portion of the balance will be 0.05%. The APY for this tier will range from 2.88% to 0.05%. APY effective as of 9/30/25.}
^{Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.}^{Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year.}^{Limitations: You must deposit $50.00 to open this account. There is no limitation for withdrawals or transfers, but a fee of $5.00 per withdrawal is assessed, in excess of 2 per month.}^{Account Fees: A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account.}

What makes an injury, illness or a chronic health condition even worse? Worrying about how to pay the health-care bills. At United Bank, we offer tax-advantaged HSAs that help you save the money needed to cover a wide range of doctor, dental and vision care, as well as prescription costs. That puts the focus back where it should be – on getting healthy and happy again.

¹ HDHP has a higher deductible than typical health plans and a maximum limit on the sum of the annual deductible and out-of-pocket medical expenses which may include copayments and other amounts, but do not include premiums.
² IRS contribution limits subject to change. Consult the IRS for current limits.
³ Fees may reduce earnings.
⁴ Fees may apply for some services within Online Banking or Mobile Banking. Cell phone text and data rates may apply.