Bank · FDIC insured
United Bank CD Rates
Top CarrotUnited Bank’s best CD rate is 4.35% APY on an 18-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How United Bank’s CD rates compare
Compared with banks and credit unions near Daphne, AL, where United Bank has the most branches. $10,000, best rate first.
This bank’s best
United Bank
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
CD Specials
2nd-highest rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
3rd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
United Bank CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo1.20%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where United Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Specials
Up to 4.35%APY · 3 terms
CDs will automatically renew at maturity unless otherwise instructed. Early withdrawal penalties may apply. Fees may reduce earnings. Interest is compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum opening deposit of $1,000 is required to open the account and earn the stated APY. Interest compounding available for either six or thirteen month terms | 4.00% | $198 |
| 13 monthsMinimum opening deposit of $1,000 is required to open the account and earn the stated APY. Interest compounding available for either six or thirteen month terms | 4.10% | $445 |
| 18 monthsMinimum opening deposit of $1,000 is required to open the account and earn the stated APY | 4.35% | $660 |
Sources (1)
- unitedbank.com/bank/personal/certificates-of-deposit · captured Oct 22, 2026
Standard CD
Up to 1.20%APY · 8 terms
CDs will automatically renew at maturity unless otherwise instructed. An interest penalty may be imposed for early withdrawals. Fees may reduce earnings. Interest is compounded and credited quarterly. Available with savings periods ranging from one month to five years. Interest compounding available for terms greater than three months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthMinimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY | 0.55% | $5 |
| 3 monthsMinimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY | 0.55% | $14 |
| 6 monthsMinimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY | 0.60% | $30 |
| 12 monthsMinimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY | 0.75% | $75 |
| 24 monthsMinimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY | 0.85% | $171 |
| 36 monthsMinimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY | 0.95% | $288 |
| 48 monthsMinimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY | 1.05% | $427 |
| 60 monthsMinimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY | 1.20% | $615 |
Sources (1)
- unitedbank.com/bank/personal/certificates-of-deposit · captured Oct 22, 2026
Special-purpose accounts
IRA CD Specials
Up to 4.35%APY · 3 terms
CDs will automatically renew at maturity unless otherwise instructed. Early withdrawal penalties may apply. Fees may reduce earnings. Available with Traditional and Roth IRA options.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum opening deposit of $1,000 is required to open the account and earn the stated APY | 4.00% | $198 |
| 13 monthsMinimum opening deposit of $1,000 is required to open the account and earn the stated APY | 4.10% | $445 |
| 18 monthsMinimum opening deposit of $1,000 is required to open the account and earn the stated APY | 4.35% | $660 |
Sources (2)
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.