Bank · FDIC insured
United Bank Savings Rates
United Bank’s best savings rate is 0.50% APY on $10,000, with its Regular Savings Account. Rates checked October 22, 2026.
How United Bank’s savings 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
0.60%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $60
The RESERVE Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
United Bank savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.60%
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.
The RESERVE Account
0.60%APY
Partner account to Gold Checking. Up to 6 withdrawals permitted per statement cycle ($10 fee per additional withdrawal). Withdrawals are only allowed as a transfer into the Gold Checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. | 0.60% | — | Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. |
| $10,000 – $25,000Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. | 0.60% | $60 | Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. |
| $25,000 – $50,000Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. | 0.60% | — | Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. |
| $50,000 – $75,000Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. | 0.60% | — | Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. |
| $75,000 – $100,000Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. | 0.80% | — | Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. |
| $100,000 – $150,000Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. | 1.16% | — | Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. |
| $150,000 – $200,000Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. | 1.41% | — | Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. |
| $200,000 and upPartner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. | 1.87% | — | Partner account to Gold Checking. Withdrawals only allowed as transfer into Gold Checking account. |
Sources (2)
All captured Sep 19, 2026
Regular Savings Account
0.50%APY
Quarterly service charge of $3 waived with minimum balance of $100. Up to 3 free withdrawals permitted per quarter ($2 charge per additional withdrawal).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvoid $3 quarterly service charge with minimum balance of $100. Up to 3 free withdrawals per quarter ($2 fee per additional withdrawal).Any balance | 0.50% | $50 | Avoid $3 quarterly service charge with minimum balance of $100. Up to 3 free withdrawals per quarter ($2 fee per additional withdrawal). |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club Savings
0.50%APY
Account balance issued as direct deposit in mid-November. $5 penalty for early withdrawal and account closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. Account balance issued as direct deposit in mid-November ($5 penalty for early withdrawal and account closure).Any balance | 0.50% | $50 | No minimum balance required. Account balance issued as direct deposit in mid-November ($5 penalty for early withdrawal and account closure). |
Sources (2)
All captured Sep 19, 2026
Minor Savings Account
0.50%APY
Adult custodian required to make withdrawals. Up to 3 withdrawals permitted per quarter ($2 charge per additional withdrawal).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance or opening deposit required. Adult custodian required to make withdrawals. Up to 3 withdrawals per quarter ($2 charge per additional withdrawal).Any balance | 0.50% | $50 | No minimum balance or opening deposit required. Adult custodian required to make withdrawals. Up to 3 withdrawals per quarter ($2 charge per additional withdrawal). |
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.