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Certificates of Deposit/IRAs

Certificates of Deposit

We shop the competition to ensure that we offer competitive interest rates on all our CD products. Invest in the future of our community at United Community Bank… where you know the owners.

91 Day CD
182 Day CD
12 Month CD
24 Month CD
36 Month CD
48 Month CD
60 Month CD

7-90 Day Single Maturity

  • Balance Requirements: $500.00 Minimum Balance
  • Interest Rate is fixed for the term
  • Automatically Renewable
  • Withdrawals Available with penalty
  • Minimum Balance must be maintained
  • Interest Compounds every 6 months or at maturity

 

Penalty for early withdrawal
91 Day CD 
182 Day CD 
12 Month CD 
24 Month CD 
36 Month CD 
48 Month CD 
60 Month CD 
7-91 Day CD 
30 days interest
30 days interest
30 days interest
90 days interest
90 days interest
180 days interest
180 days interest
Accrued Interest No More Than 30 Days

 

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IRAs

We shop the competition to ensure that we offer competitive interest rates on all our IRA products. Invest in the future of our community at United Community Bank… where you know the owners.

12 Month CD/IRA
24 Month CD/IRA
36 Month CD/IRA
12 Month TDOA/IRA
ROTH TDOA/IRA
Educational TDOA/IRA
48 Month CD/IRA
60 Month CD/IRA

  • Balance Requirements: $500.00 Minimum Balance
  • A tax sheltered retirement plan
  • May begin withdrawing funds in any amount from the IRA at age 59 ˝ but must go on a minimum distribution payment plan and begin withdrawals by age 70 ˝.
  • May deposit TDOA accounts at any time
  • Lump sum rollovers from an employee pension plan may be deposited
  • May contribute up to $2000.00 per year or $4000.00 per year for married couples
  • Interest Compounds every 6 months
  • Automatically Renewable
  • Consult your tax advisor.

 

Penalty for early withdrawal
12 Month CD/IRA
24 Month CD/IRA
36 Month CD/IRA
12 Month TDOA/IRA
ROTH TDOA/IRA
Educational TDOA/IRA 
48 Month CD/IRA
60 Month CD/IRA
30 days interest plus IRS penalty
90 days interest plus IRS penalty
90 days interest plus IRS penalty
90 days interest plus IRS penalty
90 days interest plus IRS penalty
90 days interest plus IRS penalty
180 days interest plus IRS penalty
180 days interest plus IRS penalty

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