Bank · FDIC insured
United Bank CD Rates
United Bank’s best CD rate is 2.02% APY on a 5-year CD. Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How United Bank’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where United Bank has the most branches. $10,000, best rate first.
This bank’s best
United Bank
2.02%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,052
Certificates of Deposit
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
United Bank CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 9–15 months9–15 mo1.51%
- 16–30 months16–30 mo1.66%
- 31–60 months31–60 mo2.02%
- QualifiedQualified2.02%
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.
Certificates of Deposit
Up to 2.02%APY · 7 terms
$500.00 minimum opening deposit. APY calculated on simple interest for terms < 12 months and daily compounding for terms >= 12 months. Early withdrawal penalty may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 180 days. Simple interest. Early withdrawal penalty may be imposed | 0.75% | $0 |
| UnknownTerm: 30 days. Simple interest. Early withdrawal penalty may be imposed | 0.50% | $0 |
| UnknownTerm: 7-29 days. Simple interest. Early withdrawal penalty may be imposed | 0.45% | $0 |
| UnknownTerm: 90 days. Simple interest. Early withdrawal penalty may be imposed | 0.65% | $0 |
| 12 monthsDaily compounding. Early withdrawal penalty may be imposed | 1.51% | $151 |
| 18 monthsDaily compounding. Early withdrawal penalty may be imposed | 1.51% | $227 |
| 24 monthsDaily compounding. Early withdrawal penalty may be imposed | 1.66% | $335 |
| 36 monthsDaily compounding. Early withdrawal penalty may be imposed | 1.66% | $506 |
| 48 monthsDaily compounding. Early withdrawal penalty may be imposed | 1.77% | $727 |
| 60 monthsDaily compounding. Early withdrawal penalty may be imposed | 2.02% | $1,052 |
Sources (2)
All captured Sep 19, 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.