Bank · FDIC insured
United Southern Bank CD Rates
United Southern Bank’s best CD rate is 0.30% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How United Southern Bank’s CD rates compare
Compared with banks and credit unions near Orlando, FL, where United Southern Bank has the most branches. $10,000, best rate first.
This bank’s best
United Southern Bank
0.30%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $151
Certificates of Deposit
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
United Southern Bank CD score
60
CD score
Higher than 1% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo0.15%
- 16–30 months16–30 mo0.20%
- 31–60 months31–60 mo0.30%
- QualifiedQualified0.30%
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 Southern 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 0.30%APY · 9 terms
Penalty for early withdrawal. Accounts automatically renew for similar term upon maturity. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal. Fees may reduce earnings | 0.05% | $1 |
| 6 monthsPenalty for early withdrawal. Fees may reduce earnings | 0.10% | $5 |
| 12 monthsPenalty for early withdrawal. Fees may reduce earnings | 0.15% | $15 |
| 18 monthsPenalty for early withdrawal. Fees may reduce earnings | 0.15% | $23 |
| 24 monthsPenalty for early withdrawal. Fees may reduce earnings | 0.20% | $40 |
| 30 monthsPenalty for early withdrawal. Fees may reduce earnings | 0.20% | $50 |
| 36 monthsPenalty for early withdrawal. Fees may reduce earnings | 0.25% | $75 |
| 48 monthsPenalty for early withdrawal. Fees may reduce earnings | 0.25% | $100 |
| 60 monthsPenalty for early withdrawal. Fees may reduce earnings | 0.30% | $151 |
Sources (2)
- unitedsouthernbank.com/persona…anking/our-current-rates
- unitedsouthernbank.com/personal-banking/ways-to-save
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 0.35%APY · 9 terms
IRAs invested in term certificates of deposit. Interest compounded quarterly and credited to account quarterly. Withdrawals from principal, before maturity, subject to approval. Penalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings | 0.10% | $2 |
| 6 monthsPenalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings | 0.15% | $7 |
| 12 monthsPenalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings | 0.20% | $20 |
| 18 monthsPenalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings | 0.20% | $30 |
| 18 monthsVariable rate; rates may change after account opening. Penalty for early withdrawal. Fees may reduce earnings | 0.15% | $23 |
| 24 monthsPenalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings | 0.25% | $50 |
| 30 monthsPenalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings | 0.25% | $63 |
| 36 monthsPenalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings | 0.30% | $90 |
| 48 monthsPenalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings | 0.30% | $121 |
| 60 monthsPenalty for early withdrawal. Rates may change after account opening. Fees may reduce earnings | 0.35% | $176 |
Sources (2)
- unitedsouthernbank.com/persona…anking/our-current-rates
- unitedsouthernbank.com/personal-banking/ways-to-save
All captured Sep 18, 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.