# United Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/united-bank
Institution: United Bank (FDIC 22858)
Aliases: Bank with United
Status: live
Last verified: 2026-10-22T10:58:02.000Z (October 22, 2026)
Official source: https://www.bankwithunited.com/personal-banking/personal-savings/cds-and-cdars.html
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Standard CD | standard | 1 month | $500 | 0.25% | Not ZIP-priced | −3.88% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 2 months | $500 | 0.25% | Not ZIP-priced | −3.95% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 3 months | $500 | 0.50% | Not ZIP-priced | −3.79% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Digital Rate CD | promotional | 5 months | $500 | 4.00% | Not ZIP-priced | −0.39% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 6 months | $500 | 1.75% | Not ZIP-priced | −2.65% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Digital Rate CD | promotional | 11 months | $500 | 4.05% | Not ZIP-priced | −0.49% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 12 months | $500 | 2.00% | Not ZIP-priced | −2.57% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 18 months | $500 | 1.80% | Not ZIP-priced | −2.92% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Digital Rate CD | promotional | 20 months | $500 | 3.50% | Not ZIP-priced | −1.27% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 24 months | $500 | 1.80% | Not ZIP-priced | −3.07% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Digital Rate CD | promotional | 26 months | $500 | 3.50% | Not ZIP-priced | −1.38% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 30 months | $500 | 1.85% | Not ZIP-priced | −3.06% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 36 months | $500 | 1.85% | Not ZIP-priced | −3.10% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Digital Rate CD | promotional | 38 months | $500 | 3.50% | Not ZIP-priced | −1.46% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 48 months | $500 | 1.90% | Not ZIP-priced | −3.08% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Digital Rate CD | promotional | 50 months | $500 | 3.50% | Not ZIP-priced | −1.49% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |
| Standard CD | standard | 60 months | $500 | 1.90% | Not ZIP-priced | −3.11% | 2026-10-22T10:58:02.000Z | [Snapshot 246](https://apyledger.com/snapshots/246) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.