Personal CDs


Traditional CD

  • Minimum deposit of $500.00
  • Interest rate established the date of deposit and calculated by the daily balance method
  • Available in:
    1 month to 5 years
  • Interest payment method by direct deposit quarterly, semi-annually or annually
  • Compounding available with any term greater than 3 months
  • Penalty for early withdrawal based on term

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Trade-a-Rate CD

  • The minimum initial deposit for this Certificate of Deposit is $2500.
  • If you have a Trade-A-Rate CD and interest rates increase, you have the one-time option to "trade-up" to the new prevailing CD interest rate of equal term or less. This increase is not automatic and is initiated by the customer. Interest rates are subject to change daily.
  • Interest payment method by direct deposit quarterly , semi-annually, or annually
  • Compounding available with any term greater than 3 months
  • Penalty for early withdrawal based on term

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Saver CD

What is the simplest way to reach your savings goal? Put your savings plan on Autopilot! United Bank's Saver CD allows you to contribute monthly to a Certificate of Deposit by automatic draft from a United Bank Checking Account. 

If you have a goal of making a car purchase, buying a boat, paying for a wedding, or even going on a well deserved vacation, you can use the Saver CD to build a savings reserve that you can access for your needs. Here’s How!!

How It Works
An initial deposit of $100 is required to open a Saver CD as well as a monthly transfer from a United Bank Checking Account of at least $25. The maximum opening deposit for a Saver CD is $50,000 per household and the maximum monthly transfer is $500. You select the term (from 1 year to a maximum of 5 years) and the beginning balance and, as long as you have a United Bank Checking Account, monthly contributions to your CD will build your savings. 

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