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Access to digital and mobile banking will be temporarily unavailable from 12:00 am to 8:00 am (ET) on Sunday, December 8, 2024 while we perform maintenance on our systems. We apologize for the inconvenience.

How Much Will My Share Certificate Be Worth?

Estimate your share certificate's future value. Calculate how your balance grows over time with different deposit amounts, terms, and interest rates.

make your money work for U

with a United share certificate

Current share certificate rates & specials

Share and IRA Certificates

Effective Date: December 01, 2024
Type Dividend Rate APY1 APY with Bonus Rate2 test header
12 Month Special 3.844% 3.90% 4.00%
24 Month Special 3.357% 3.40% 3.50%
60 Months 2.673% 2.70% 2.80%
48 Months 2.575% 2.60% 2.70%
36 Months 2.526% 2.55% 2.65%
24 Months 2.477% 2.50% 2.60%
18 Months 2.477% 2.50% 2.60%
12 Months 2.084% 2.10% 2.20%
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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See what studies say about kids' financial habits and how you can talk to them about money.

Advice Hub Article: Join a Credit Union

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As more people are learning the difference between a bank and a credit union, here are top reasons why many are making the switch.

Advice Hub Article: Emergency Fund

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Here are four steps to help you get started saving money for emergency fund.

HSA Benefits

Using an HSA to Pay for Medical Expenses

Advice Hub | 11/2/2020

HSAs give you control over how you want to spend your health care dollars. Learn about its benefits.

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