Bank · FDIC insured
United Bank Savings Rates
Top CarrotUnited Bank’s best savings rate is 0.05% APY on $10,000, with its Personal Savings. Rates checked October 22, 2026.
How United Bank’s savings 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
0.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $5
Personal Savings
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
United Bank savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0005.00%
- $10,000 balance$10,0002.88%
- $100,000 balance$100,0001.11%
- QualifiedQualified2.88%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Emergency Fund Savings Account
2.88%APY on $10,000
$50.00 minimum opening deposit required. $50.00 minimum daily balance required to avoid a monthly service charge of $5.00. Fee of $5.00 per withdrawal assessed in excess of 2 per month. Daily balance method used to calculate interest. Interest compounded and credited quarterly. Tiered rates paid on portions of the balance.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 4.91% |
| $5,000 – $10,000 | 0.75% |
| Over $10,000 | 0.05% |
On $10,000 the tiers blend to about 2.88% APY, earning $288 a year.
Sources (1)
- unitedbank.com/bank/personal/savings-accounts · captured Oct 22, 2026
Tiered Rate Money Market Account
0.25%APY on $10,000
$20 service charge if balance drops below $15,000 any day during monthly cycle. $10 fee will be assessed if the account is closed within 180 days of opening. Minimum opening deposit $15,000.00. Interest compounded quarterly and credited quarterly. Daily balance method used to calculate interest.
| Part of the balance | Rate on that part |
|---|---|
| Up to $15,000 | 0.25% |
| $15,000 – $30,000 | 0.75% |
| $30,000 – $75,000 | 1.00% |
| $75,000 – $300,000 | 2.00% |
| $300,000 and up | 2.00% |
On $10,000 the tiers blend to about 0.25% APY, earning $25 a year.
Sources (1)
- unitedbank.com/bank/personal/money-markets · captured Oct 22, 2026
Personal Savings
0.05%APY
Requires $100 minimum opening deposit. $5 monthly service charge if balance drops below $100 at any time during the month. $5 fee assessed for each withdrawal in excess of two during a calendar month. $10 fee charged if the account is closed within 180 days of opening. Interest is compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$100 minimum opening deposit required. $5 service charge if balance drops below $100 at any time during the month. $5 fee for withdrawals in excess of 2 per calendar month. $10 fee if closed within 180 days of opening.Any balance | 0.05% | $5 | $100 minimum opening deposit required. $5 service charge if balance drops below $100 at any time during the month. $5 fee for withdrawals in excess of 2 per calendar month. $10 fee if closed within 180 days of opening. |
Sources (1)
- unitedbank.com/bank/personal/savings-accounts · 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.