Bank · FDIC insured
United Business Bank CD Rates
United Business Bank’s best CD rate is 4.00% APY on a 2-year CD. Terms run from 1 year to 2 years. Rates checked October 16, 2026.
How United Business Bank’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where United Business Bank has the most branches. $10,000, best rate first.
This bank’s best
United Business Bank
4.00%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $816
U Matter Account Specials Certificate of Deposit
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
U Matter Account Specials Certificate of Deposit
Up to 4.00%APY · 2 terms
Available on new money only. The promotion may end at any time at the Bank's sole discretion without prior notification. Penalty for early withdrawal. Minimum deposit $5,000, maximum deposit $10,000,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1-Year Term. New money only | 3.75% | $375 |
| 24 months2-Year Term. Option to close or withdraw within the 10-day grace period one year after account opening date. Option to make an additional deposit within the 10-day grace period one year after account opening date (maximum principal balance allowed is $10,000,000). Option to request to increase (bump up) interest rate once within the first year and then again once within the second year, limited to rate in effect if current 2 Year CD rate exceeds current account rate | 4.00% | $816 |
Sources (1)
- unitedbusinessbank.com/_/kcms-…unt-Specials-9.30.25.pdf · captured Sep 16, 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.