United Community Bank CD Rates

How United Community Bank’s CD rates compare

Compared with banks and credit unions near Atlanta, GA, where United Community Bank has the most branches. $10,000, best rate first.

This bank’s best
United Community Bank
3.80%APY
Term
8 months
Requires
Another account
Minimum
$2,500
Earns on $10,000
$252
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
Publix Employees Federal Credit Union rates
2nd-highest rate
CDC Federal Credit Union
4.59%APY
Term
12 months
Requires
Another account
Minimum
$1,000
Earns on $10,000
$459
CDC Federal Credit Union rates

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Current CD rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Certificates of Deposit

Up to 3.80%APY · 2 termsRequirements applyFrom $2,500 to open

Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
8 monthsEarly withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown	3.80%	$252
14 monthsEarly withdrawal penalty: terms over 12 months but less than 36 months subject to an amount equal to 182 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown	3.65%	$427

Sources (3)

All captured Oct 4, 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.

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