Save More

Save More with Guaranteed Returns

We Make It Easy.

Check Out Our Next Best Rate 4.75% Annual Percentage Yield (APY)

11-Month Digital CD

The Simple Way to Save More and Reach Your Financial Goals

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Open a CD Online

Open a Digital CD easily with basic personal information. Already a customer?  Provide your online banking credentials, and your personal information will be pre-filled for you. 

Fund it

Transfer as little as a $500 initial deposit during the online account opening process and begin accruing interest immediately.  You can fund your Digital CD to as much as $10,000,000*.  

Sit Back and We'll Do the Rest

Interest is compounded quarterly, and we will apply it to your account quarterly.  We will remind you of your maturity date, so you have time to make the best financial decision to meet your goals. 

Take advantage of our best CD rates and maximize your savings goals.

Our CDs offer a fixed rate of return and flexible terms, so you can boost your savings for the short- or long-term.

Start earning today with as little as a $500 opening deposit. Once your CD matures, you have the choice to transfer the amount to a United Bank account, receive cash or roll your CD into a Standard CD.  No need to mark your calendar, we will send you a maturity notice 45 days prior to your CD maturity date.  

See How Much You Can Earn

Safe. Sound. Secure. Since 1839.

When you open a United Bank Digital CD term, not only do you get assured returns from steady growth, you also get peace of mind working with a financial partner you can trust.  

Member FDIC

Have peace of mind knowing your money is FDIC insured up to the full allowable amount.**

Most Trustworthy Companies in America

2023 Most Trustworthy Bank in America

Across 23 industries evaluated, United joined the list of the "Most Trustworthy Companies in America," earning the No. 1 spot in the Banks category.

*Annual Percentage Yield (APY) is effective as of %%longDate%%. The annual percentage yield assumes interest earned is credited quarterly and remains on deposit until maturity. APYs are subject to change at any time without notice. A penalty may be imposed for early withdrawal.  APYs shown are available only for personal accounts opened online.  Rates are not guaranteed until the CD is opened.  CD will automatically renew at maturity to a Standard CD term closest to the initial term at account opening unless you advise otherwise. 
Minimum balance to open and obtain Annual Percentage Yield (APY) for United Bank's Digital Rate Certificate of Deposit is $500 and maximum online amount is $10,000,000.
See our Standard Terms and Rates for a Certiificate of Deposit.  
**FDIC insured up to $250,000.

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