APY Ledger

United Bank CD Rates — October 2026

Also known as Bank with United.

As of October 22, 2026, United Bank's highest CD rate is 4.05% APY on an 11-month promotional CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.25% to 2.00% APY.

Last verified from www.bankwithunited.com · FDIC-insured bank · Fairfax, VA

Tracking began .

Best APY4.05%11 months, $500 min
vs. Treasury−0.49%same-term Treasury 4.54%
vs. national average2.3×FDIC national average 1.76%
After inflation0.31%CPI 3.7% year over year
$10,000 earns$371over 11 months, before tax

United Bank CD rates

United Bank CD rates
TermProductMinimumAPYvs. Treasury
1 month Standard CD $500 0.25%Verified October 22, 2026 −3.88%
2 months Standard CD $500 0.25%Verified October 22, 2026 −3.95%
3 months Standard CD $500 0.50%Verified October 22, 2026 −3.79%
5 months Digital Rate CD Promotional $500 4.00%Verified October 22, 2026 −0.39%
6 months Standard CD $500 1.75%Verified October 22, 2026 −2.65%
11 months Digital Rate CD Promotional $500 4.05%Verified October 22, 2026 −0.49%
12 months Standard CD $500 2.00%Verified October 22, 2026 −2.57%
18 months Standard CD $500 1.80%Verified October 22, 2026 −2.92%
20 months Digital Rate CD Promotional $500 3.50%Verified October 22, 2026 −1.27%
24 months Standard CD $500 1.80%Verified October 22, 2026 −3.07%
26 months Digital Rate CD Promotional $500 3.50%Verified October 22, 2026 −1.38%
30 months Standard CD $500 1.85%Verified October 22, 2026 −3.06%
36 months Standard CD $500 1.85%Verified October 22, 2026 −3.10%
38 months Digital Rate CD Promotional $500 3.50%Verified October 22, 2026 −1.46%
48 months Standard CD $500 1.90%Verified October 22, 2026 −3.08%
50 months Digital Rate CD Promotional $500 3.50%Verified October 22, 2026 −1.49%
60 months Standard CD $500 1.90%Verified October 22, 2026 −3.11%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.05% APY (11 months). The standard rate for a similar term is 2.00% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $205 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are United Bank's best CD rates by term?

United Bank's best rate is 4.05% APY on 11 months, verified October 22, 2026.

  1. 1 mo0.25%
  2. 2 mo0.25%
  3. 3 mo0.50%
  4. 5 mo4.00%
  5. 6 mo1.75%
  6. 11 mo4.05%
  7. 12 mo2.00%
  8. 18 mo1.80%
  9. 20 mo3.50%
  10. 24 mo1.80%
  11. 26 mo3.50%
  12. 30 mo1.85%
  13. 36 mo1.85%
  14. 38 mo3.50%
  15. 48 mo1.90%
  16. 50 mo3.50%
  17. 60 mo1.90%

Calculate earnings at 4.05% for 11 months

How much interest could a United Bank CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term$5,000$10,000$25,000$50,000
3 months$6.220.50% APY · Standard CD · Standard$12.440.50% APY · Standard CD · Standard$31.110.50% APY · Standard CD · Standard$62.210.50% APY · Standard CD · Standard
6 months$43.681.75% APY · Standard CD · Standard$87.361.75% APY · Standard CD · Standard$218.401.75% APY · Standard CD · Standard$436.801.75% APY · Standard CD · Standard
11 months$185.554.05% APY · Digital Rate CD · Promotional$371.104.05% APY · Digital Rate CD · Promotional$927.764.05% APY · Digital Rate CD · Promotional$1,855.514.05% APY · Digital Rate CD · Promotional
12 months$100.002.00% APY · Standard CD · Standard$200.002.00% APY · Standard CD · Standard$500.002.00% APY · Standard CD · Standard$1,000.002.00% APY · Standard CD · Standard
18 months$135.731.80% APY · Standard CD · Standard$271.461.80% APY · Standard CD · Standard$678.661.80% APY · Standard CD · Standard$1,357.311.80% APY · Standard CD · Standard
24 months$181.621.80% APY · Standard CD · Standard$363.241.80% APY · Standard CD · Standard$908.101.80% APY · Standard CD · Standard$1,816.201.80% APY · Standard CD · Standard
60 months$493.401.90% APY · Standard CD · Standard$986.791.90% APY · Standard CD · Standard$2,466.981.90% APY · Standard CD · Standard$4,933.961.90% APY · Standard CD · Standard

How United Bank compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 7 of 16 tracked institutions with fresh 335-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

United Bank CD rate comparison
Institution / benchmarkTermMinimumQuote coverageAPYVerified / source date
United Bank (this institution)Digital Rate CD · Promotional11 months$500 Coverage: DC, GA, MD, NC, OH, PA, SC, VA, WV4.05%October 22, 2026
Capital One (highest tracked APY for this term)360 CD · Promotional11 monthsNot stated Nationwide; check eligibility4.40%October 22, 2026
Huntington BankFixed Rate CD · Promotional11 months$1,000 Columbus, OH · ZIP 432154.30%October 22, 2026
Webster BankPrivate 11 Month · Promotional11 months$500 Coverage: CT, DE, FL, MA, NH, NJ, NY, PA, RI4.25%October 22, 2026
Treasury (APY-equivalent)11 months (term-matched estimate)Depends on purchase methodFederal; interest exempt from state income tax4.54%2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking United Bank on October 22, 2026.

About United Bank

Legal name
United Bank
Regulator ID
FDIC 22858
Headquarters
Fairfax, VA
Available in
DC, GA, MD, NC, OH, PA, SC, VA, WV
Total assets
$33.6 billion
Also known as
Bank with United
Website
www.bankwithunited.com

Source: rates read from https://www.bankwithunited.com/personal-banking/personal-savings/cds-and-cdars.html. See the page text we read.

Frequently asked questions

What is the highest CD rate at United Bank?

4.05% APY on an 11-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a United Bank CD?

The lowest minimum we found is $500.

How does United Bank's best CD rate compare with Treasury yields?

4.05% APY is −0.49% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.05% a good CD rate?

It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are United Bank CDs insured?

United Bank is an FDIC-insured bank (FDIC 22858). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check United Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from United Bank's website and may change at any time. Confirm terms, minimums and eligibility with United Bank before opening an account. This page is not financial advice.