Bank · FDIC insured
United Bank CD Rates
United Bank’s best CD rate is 4.05% APY on an 11-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 Washington, DC-VA-MD-WV, where United Bank has the most branches. $10,000, best rate first.
This bank’s best
United Bank
4.05%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $371
Digital CDs
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
United Bank CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.05%
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.
Digital CDs
Up to 4.05%APY · 6 terms
Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsOpened online only. Interest credited quarterly. Early withdrawal penalty may apply | 4.00% | $165 |
| 11 monthsOpened online only. Interest credited quarterly. Early withdrawal penalty may apply | 4.05% | $371 |
| 20 monthsOpened online only. Interest credited quarterly. Early withdrawal penalty may apply | 3.50% | $590 |
| 26 monthsOpened online only. Interest credited quarterly. Early withdrawal penalty may apply | 3.50% | $774 |
| 38 monthsOpened online only. Interest credited quarterly. Early withdrawal penalty may apply | 3.50% | $1,151 |
| 50 monthsOpened online only. Interest credited quarterly. Early withdrawal penalty may apply | 3.50% | $1,541 |
Sources (2)
- bankwithunited.com/personal-ba…-account-rate-sheet.html
- bankwithunited.com/personal-ba…vings/cds-and-cdars.html
All captured Oct 15, 2026
Standard Rate CDs
Up to 2.00%APY · 11 terms
Open at nearest United Bank branch. Minimum opening deposit is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthOpen at nearest United Bank branch | 0.25% | $2 |
| 2 monthsOpen at nearest United Bank branch | 0.25% | $4 |
| 3 monthsOpen at nearest United Bank branch | 0.50% | $12 |
| 6 monthsOpen at nearest United Bank branch | 1.75% | $87 |
| 12 monthsOpen at nearest United Bank branch | 2.00% | $200 |
| 18 monthsOpen at nearest United Bank branch | 1.80% | $271 |
| 24 monthsOpen at nearest United Bank branch | 1.80% | $363 |
| 30 monthsOpen at nearest United Bank branch | 1.85% | $469 |
| 36 monthsOpen at nearest United Bank branch | 1.85% | $565 |
| 48 monthsOpen at nearest United Bank branch | 1.90% | $782 |
| 60 monthsOpen at nearest United Bank branch | 1.90% | $987 |
Sources (1)
- bankwithunited.com/personal-ba…vings/cds-and-cdars.html · captured Oct 15, 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.