share certificate
Current monthly specials:
Pair a certificate special with an Ultra Checking account and earn up to 4.50% APY1 for 9 months, or 4.00% APY1 for 16 months. IRA eligible.
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with a United share certificate
Looking for more than just a typical savings account? Consider our share certificate options, providing a dependable choice with consistent returns over a set timeframe. At United, opening a certificate account starts with as little as a $500 deposit, allowing you to enjoy the benefits of any one of our share certificate offerings. Additionally, combining a share certificate with an Ultra Checking account unlocks a higher bonus rate, enhancing your earning potential.
need to renew your maturing share certificate?
It’s easy to move your certificate into a new great rate. Whether you prefer visiting a local branch, calling (888) 982-1400, or chatting online, we're here to assist you every step of the way. Explore your options for renewing your share certificate.
Share and IRA Certificates |
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Effective Date: October 01, 2024 | |||
Type | Dividend Rate | APY1 | APY with Bonus Rate2 |
9 Month Special | 4.329% | 4.40% | 4.50% |
16 Month Special | 3.844% | 3.90% | 4.00% |
60 Months | 2.722% | 2.75% | 2.85% |
48 Months | 2.575% | 2.60% | 2.70% |
36 Months | 2.526% | 2.55% | 2.65% |
24 Months | 2.624% | 2.65% | 2.75% |
18 Months | 2.477% | 2.50% | 2.60% |
12 Months | 2.231% | 2.25% | 2.35% |
6 Months | 1.492% | 1.50% | 1.60% |
3 Months | 0.996% | 1.00% | 1.10% |
Highlighted rows are current specials. [1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. |
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Contact us to renew or open one of these advertised limited-time certificate specials.
Existing Members can open certificates via digital banking:
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