All United branches and offices will be closed in observance of Memorial Day, Monday, May 27. Access your United accounts by logging into Online or Mobile Banking, calling Voice Banking, or stopping by an ATM.

Liquid Share Certificate


Access your money when you need it

It's your money, so let's keep it liquid.

We’ve created this unique certificate for you to enjoy greater savings with a one-year commitment, all while keeping your money accessible to you.

Member perks:

  • 12-month term
  • $2,500 minimum opening balance required
  • $250,000 maximum balance
  • Let us calculate your dividends daily and we'll pay you quarterly

Here are some details you should know:

  • Maximum of two (2) withdrawals per month, withdrawals must be at least seven (7) days apart to avoid early withdrawal penalties
  • For all other withdrawals, an early withdrawal penalty equal to 180 days dividends on the amount withdrawn must be charged for each additional withdrawal
  • Not for Business Share Certificates or IRA Share Certificates
  • There is a seven-day (7) grace period for maturing certificates
  • If you choose to redeem the certificate during the grace period, dividends will not be paid during the grace period and withdrawal penalties will not be assessed
  • Once the funds have rolled over, they will not be available until the end of the certificate’s term or will be subject to an early withdrawal penalty
  • Certificate will be renewed automatically for the same term, and at the most current rate, unless the Member closes the account before the certificate’s maturity date
  • We’ll send you a notice 30 day before the certificate’s maturity date
  • The notice lets you know that the certificate is coming due, and asks that you let us know if you don’t want the certificate to be automatically renewed