Bank · FDIC insured
United Community Bank Savings Rates
United Community Bank’s best savings rate is 0.50% APY on $10,000, with its United Money Market. Rates checked October 22, 2026.
How United Community Bank’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000 a year
- $50
United Money Market
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 Community Bank savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 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.
United Money Market
0.50%APY
Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained. $10.00 excessive withdrawal fee for each withdrawal over 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. | 0.50% | — | Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. |
| $10,000 – $49,999Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. | 0.50% | $50 | Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. |
| $50,000 – $99,999Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. | 0.50% | — | Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. |
| $100,000 – $249,999Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. | 1.00% | — | Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. |
| $250,000 – $499,999Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. | 1.00% | — | Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. |
| $500,000 – $999,999Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. | 1.15% | — | Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. |
| $1,000,000 and upLowest number listed in each tier represents the minimum daily balance required to obtain the APY. | 1.15% | — | Lowest number listed in each tier represents the minimum daily balance required to obtain the APY. |
United Savings
0.15%APY
A service charge of $5.00 is imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.05% | — |
| $2,500 and up | 0.15% | $15 |
Special-purpose accounts
United Student Savings
0.15%APY
For individuals 22 years of age or younger. No service charge. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.05% | — |
| $2,500 and up | 0.15% | $15 |
United Treasure Chest Savings
0.15%APY
For children 12 years of age or younger. Must be a U.S. Citizen or U.S. Resident Alien. No monthly service charge, no minimum balance requirement. Automatically converts to United Student Savings at age 13. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.05% | — |
| $2,500 and up | 0.15% | $15 |
Sources (3)
- ucbi.com/personal-banking/savings
- ucbi.com/personal-banking/savi…d-treasure-chest-savings
- ucbi.com/support/rates
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.