Source: https://www.bankwithunited.com/personal-banking/personal-savings/cds-and-cdars.html
Read: 2026-10-22T10:58:02.000Z

CDs and CDARs -->
# CDs and CDARs
CDs and CDARs
## The Simplest Way to Save Toward Your Goals
Open An Account
## Certificate of Deposit
Get peace of mind with assured returns from steady growth.&nbsp;</h3>\r\n"}}" id="text-8d6f3f9c04" class="cmp-text">
### Get peace of mind with assured returns from steady growth.
Earn a guaranteed return with our Certificates of Deposit (CD). Open online and take advantage of our Digital Rate CDs and rest assured you are earning our best rates available.&nbsp; With flexible terms ranging from a few months to several years and the peace of mind of FDIC-insured accounts, our CDs are a great way to grow your savings and achieve your financial goals. </p>\r\n"}}" id="text-6f3f1546c4" class="cmp-text"> Earn a guaranteed return with our Certificates of Deposit (CD). Open online and take advantage of our Digital Rate CDs and rest assured you are earning our best rates available. With flexible terms ranging from a few months to several years and the peace of mind of FDIC-insured accounts, our CDs are a great way to grow your savings and achieve your financial goals.
### Digital Rate CDs Are Now Available
Compare and Open Today</h3>\r\n"}}" id="text-e9477c2a93" class="cmp-text">
### Compare and Open Today
The Digital CD term and rates are available when you open online. Select the term that fits your needs and goals and start earning more with as little as a&nbsp;<b>$500 opening deposit</b>.&nbsp; CDs are not tied to market variability, so they are a secure and guaranteed way to save.&nbsp;</p>\r\n<p>&nbsp;</p>\r\n<p><b>Choose the term that is best for you:</b></p>\r\n<table>\r\n<thead><tr><th>Term</th>\r\n<th>Minimum Opening Deposit</th>\r\n<th>Annual Percentage Yield</th>\r\n<th>&nbsp;</th>\r\n</tr></thead><tbody><tr><td>5-Month</td>\r\n<td>$500</td>\r\n<td><b>4.00%</b></td>\r\n<td><a href=\"https://b051900395.account-open.online-banking-services.com/openaccount/?externalProductIds=180124#!/acctopening\" style=\"color: rgb(46,92,210);\">OPEN NOW</a></td>\r\n</tr><tr><td>11-Month</td>\r\n<td>$500</td>\r\n<td><b>4.05%</b></td>\r\n<td><a href=\"https://b051900395.account-open.online-banking-services.com/openaccount/?externalProductIds=180116#!/acctopening\" style=\"color: rgb(46,92,210);\">OPEN NOW</a></td>\r\n</tr><tr><td>20-Month</td>\r\n<td>$500</td>\r\n<td><b>3.50%</b></td>\r\n<td><a href=\"https://b051900395.account-open.online-banking-services.com/openaccount/?externalProductIds=180132#!/acctopening\" style=\"color: rgb(46,92,210);\">OPEN NOW</a></td>\r\n</tr><tr><td>26-Month</td>\r\n<td>$500</td>\r\n<td><b>3.50%</b></td>\r\n<td><a href=\"https://b051900395.account-open.online-banking-services.com/openaccount/?externalProductIds=180140#!/acctopening\" style=\"color: rgb(46,92,210);\">OPEN NOW</a></td>\r\n</tr><tr><td>38-Month</td>\r\n<td>$500</td>\r\n<td><b>3.50%</b></td>\r\n<td><a href=\"https://b051900395.account-open.online-banking-services.com/openaccount/?externalProductIds=175846#!/acctopening\" style=\"color: rgb(46,92,210);\">OPEN NOW</a></td>\r\n</tr><tr><td>50-Month</td>\r\n<td>$500</td>\r\n<td><b>3.50%</b></td>\r\n<td><a href=\"https://b051900395.account-open.online-banking-services.com/openaccount/?externalProductIds=175844#!/acctopening\" style=\"color: rgb(46,92,210);\">OPEN NOW</a></td>\r\n</tr></tbody></table>\r\n<p>&nbsp;</p>\r\n"}}" id="text-953d82ba05" class="cmp-text"> The Digital CD term and rates are available when you open online. Select the term that fits your needs and goals and start earning more with as little as a $500 opening deposit . CDs are not tied to market variability, so they are a secure and guaranteed way to save.
Choose the term that is best for you:
Term | Minimum Opening Deposit | Annual Percentage Yield
5-Month | $500 | 4.00% | OPEN NOW
11-Month | $500 | 4.05% | OPEN NOW
20-Month | $500 | 3.50% | OPEN NOW
26-Month | $500 | 3.50% | OPEN NOW
38-Month | $500 | 3.50% | OPEN NOW
50-Month | $500 | 3.50% | OPEN NOW
Certificates with a term of three (3) months or greater – Interest will accrue daily and will be compounded quarterly. Interest will be credited to your CD account quarterly.&nbsp;Once your CD matures, you may choose to have the balance transferred to a United Bank Account, make a withdrawal or roll your CD into a Standard CD.&nbsp; Do nothing, and your CD and accrued interest will automatically roll into a Standard CD at the standard rate of interest paid with the term closest to the initial term at account opening.&nbsp;</p>\r\n"}}" id="text-1e4bd4c939" class="cmp-text"> Certificates with a term of three (3) months or greater – Interest will accrue daily and will be compounded quarterly. Interest will be credited to your CD account quarterly. Once your CD matures, you may choose to have the balance transferred to a United Bank Account, make a withdrawal or roll your CD into a Standard CD. Do nothing, and your CD and accrued interest will automatically roll into a Standard CD at the standard rate of interest paid with the term closest to the initial term at account opening.
### Standard Rate CDs
\r\n<thead><tr><th>Term</th>\r\n<th>Minimum Opening Deposit</th>\r\n<th>Annual Percentage Yield</th>\r\n</tr></thead><tbody><tr><td>1 Month</td>\r\n<td>$500</td>\r\n<td><b>0.25%</b></td>\r\n</tr><tr><td>2 Month</td>\r\n<td>$500</td>\r\n<td><b>0.25%</b></td>\r\n</tr><tr><td>3 Month</td>\r\n<td>$500</td>\r\n<td><b>0.50%</b></td>\r\n</tr><tr><td>6 Month</td>\r\n<td>$500</td>\r\n<td><b>1.75%</b></td>\r\n</tr><tr><td>1 Year</td>\r\n<td>$500</td>\r\n<td><b>2.00%</b></td>\r\n</tr><tr><td>18 Month</td>\r\n<td>$500</td>\r\n<td><b>1.80%</b></td>\r\n</tr><tr><td>2 Year</td>\r\n<td>$500</td>\r\n<td><b>1.80%</b></td>\r\n</tr><tr><td>30 Month</td>\r\n<td>$500</td>\r\n<td><b>1.85%</b></td>\r\n</tr><tr><td>3 Year</td>\r\n<td>$500</td>\r\n<td><b>1.85%</b></td>\r\n</tr><tr><td>4 Year</td>\r\n<td>$500</td>\r\n<td><b>1.90%</b></td>\r\n</tr><tr><td>5 Year</td>\r\n<td>$500</td>\r\n<td><b>1.90%</b></td>\r\n</tr></tbody></table>\r\n<p>&nbsp;</p>\r\n"}}" id="text-cb1148900b" class="cmp-text"> Term | Minimum Opening Deposit | Annual Percentage Yield
1 Month | $500 | 0.25%
2 Month | $500 | 0.25%
3 Month | $500 | 0.50%
6 Month | $500 | 1.75%
1 Year | $500 | 2.00%
18 Month | $500 | 1.80%
2 Year | $500 | 1.80%
30 Month | $500 | 1.85%
3 Year | $500 | 1.85%
4 Year | $500 | 1.90%
5 Year | $500 | 1.90%
To learn more or to open a Standard CD, please <a href=\"/content/unitedbank/en/find-a-location.html\">visit your nearest United Bank branch</a>.&nbsp; For questions, you can call Customer Care at 800.327.9862.</p>\r\n"}}" id="text-3de4132598" class="cmp-text"> To learn more or to open a Standard CD, please visit your nearest United Bank branch . For questions, you can call Customer Care at 800.327.9862.
#### Why diversify your savings with a CD?
Our CDs offer a fixed rate of return, so you have the peace of mind that comes with a stable, secure investment.</p>\r\n"}}">
### Market Stability
Our CDs offer a fixed rate of return, so you have the peace of mind that comes with a stable, secure investment.
With our most competitive rates, you can maximize your return on your investment.</p>\r\n"}}">
### Our Best Rates
With our most competitive rates, you can maximize your return on your investment.
Whether you are saving for a specific goal in the near future, saving for retirement, or anything in between, we offer a variety of terms to fit your needs.</p>\r\n"}}">
### Flexible Terms
Whether you are saving for a specific goal in the near future, saving for retirement, or anything in between, we offer a variety of terms to fit your needs.
We offer online and mobile banking options that make it easy to open and manage your CD without visiting a branch.</p>\r\n"}}">
### Online Convenience
We offer online and mobile banking options that make it easy to open and manage your CD without visiting a branch.
### See How Much You Can Earn
## CDARs
For added convenience with FDIC coverage and deposits more than $250,000, you can also choose the Certificate of Deposit Account Registry Service (CDARS®) to consolidate all your CDs on a single streamlined statement.&nbsp;</p>\r\n<p>&nbsp;</p>\r\n"}}" id="text-24856904a1" class="cmp-text"> For added convenience with FDIC coverage and deposits more than $250,000, you can also choose the Certificate of Deposit Account Registry Service (CDARS®) to consolidate all your CDs on a single streamlined statement.
Visit a Branch to learn more
### Every Account at United Bank Includes These Features and Benefits:
Exceptional products and services meet you wherever you are, extending beyond more than 200 full-service United banking locations (many with convenient drive-throughs) to ATMs and online banking. Manage account balances, transfer funds, place stop payments, access eStatements, review your transaction history, and much more.</p>\r\n"}}">
### Bank Your Way
Exceptional products and services meet you wherever you are, extending beyond more than 200 full-service United banking locations (many with convenient drive-throughs) to ATMs and online banking. Manage account balances, transfer funds, place stop payments, access eStatements, review your transaction history, and much more.
Build up your financial safety net with incentives that put your money to work. Earn higher rates with higher balances.</p>\r\n"}}">
### Easy Ways to Pay
Build up your financial safety net with incentives that put your money to work. Earn higher rates with higher balances.
United Bank has more than 185 years of experience you can trust to provide peace of mind.</p>\r\n"}}">
### Safety and Security
United Bank has more than 185 years of experience you can trust to provide peace of mind.
Locate a branch near you.</p>\r\n"}}">
Locate a branch near you.
Find a Location
Need help? Give us a call.</p>\r\n"}}">
Need help? Give us a call.
800.327.9862
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Minimum balance to open and obtain Annual Percentage Yield (APY) for United Bank&#39;s Digital Rate Certificate of Deposit is $500 and maximum amount is $10,000,000. </h6>\r\n<h6>FDIC insured up to $250,000.</h6>\r\n<h6>Annual Percentage Yield (APY) is effective as of %%longDate%%. The annual percentage yield assumes interest earned is credited quarterly and remains on deposit until maturity. APYs are subject to change at any time without notice. A penalty may be imposed for early withdrawal. APYs shown are available only for personal accounts opened online. Rates are not guaranteed until the CD is opened. Digital Rate Certificates will renew at the standard rate of interest being paid on standard certificates with the term closest to the term of your certificate, unless you advise otherwise. Your certificate will continue to renew under these terms. </h6>\r\n"}}" id="text-69d1d1e0b0" class="cmp-text">
###### Minimum balance to open and obtain Annual Percentage Yield (APY) for United Bank's Digital Rate Certificate of Deposit is $500 and maximum amount is $10,000,000.
###### FDIC insured up to $250,000.
###### Annual Percentage Yield (APY) is effective as of %%longDate%%. The annual percentage yield assumes interest earned is credited quarterly and remains on deposit until maturity. APYs are subject to change at any time without notice. A penalty may be imposed for early withdrawal. APYs shown are available only for personal accounts opened online. Rates are not guaranteed until the CD is opened. Digital Rate Certificates will renew at the standard rate of interest being paid on standard certificates with the term closest to the term of your certificate, unless you advise otherwise. Your certificate will continue to renew under these terms.