Bank · FDIC insured
United Community Bank CD Rates
United Community Bank’s best CD rate is 3.73% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How United Community Bank’s CD rates compare
Compared with banks and credit unions near Baton Rouge, LA, where United Community Bank has the most branches. $10,000, best rate first.
This bank’s best
United Community Bank
3.73%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $185
Certificates of Deposit
Top rate
La Capitol Federal Credit Union
4.50%APY
- Term
- 37 months
- Minimum
- $500
- Earns on $10,000
- $1,454
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
United Community Bank CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.73%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.41%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.73%
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 Community 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 3.73%APY · 8 terms
CDs opened online have a maximum deposit limit of $500,000. Interest on CDs 12 months or less paid at maturity; longer than 12 months paid annually. Penalty for early withdrawal will apply. Automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months$1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid at maturity | 3.50% | $86 |
| 6 months$1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid at maturity | 3.73% | $185 |
| 9 months$1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid at maturity | 3.62% | $270 |
| 12 months$1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid at maturity | 3.70% | $370 |
| 18 months$1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid annually | 3.41% | $516 |
| 24 months$1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid annually | 3.25% | $661 |
| 36 months$1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid annually | 3.25% | $1,007 |
| 60 months$1,000 minimum deposit required to open and earn stated APY. Max online deposit $500,000. Interest paid annually | 3.25% | $1,734 |
Sources (1)
- ucbanking.com/personal-banking/cds-iras · captured Oct 5, 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.