United branches will close at 12 p.m. on Dec. 24 and reopen on Dec. 26. Access your accounts anytime via Digital Banking, Mya Voice Assistant, or ATMs. Happy Holidays from Team United!

share certificate

Current monthly specials:

Pair a certificate special with an Ultra Checking account and earn up to 4.00% APY1 for 12 months, or 3.50% APY1 for 24 months. IRA eligible.

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make your money work for U

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
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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get started now


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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grow earnings

United share certificates can enjoy higher interest rates compared to traditional savings accounts. It's a great choice for those seeking to grow their earnings steadily and securely.

flexible

At United, flexibility is key. Choose a special or term that suits you, ranging from 3 to 60 months. Rest assured, your rates remain locked in for the duration of your certificate, providing stability and predictability for your savings goals.

be confident

Your investments are federally insured through NCUA, providing protection for deposits up to $250,000.

Plus, rest assured that your investment won't lose value unless withdrawn before the end of the term.

unlock bonus rates

Enjoy even higher returns with our bonus rate.

When you pair a share certificate with our Ultra Checking account, you'll receive an additional 0.10% APY1 increase. It's our way of rewarding you and your commitment to United.

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[1] APY=Annual Percentage Yield. APY accurate as of 12/1/2024. Subject to change without notice. Rates include a 0.10% APY increase 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. Rates may change after the account is opened. If requirements are not met, rates are 3.90% for 12 months, or 3.40% for 24 months. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account. Minimum balance required is $500. 12 month certificate renews to 12 month standard certificate at maturity, 24 month certificate renews to 24 month standard certificate at maturity, Rates are based on current rates at the time of renewal. Only personal share certificates are eligible for advertised rates; business share certificates also available although rates may differ.

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