Certificate of Deposit (CD)

A United Community Bank Certificate of Deposit is a great way to invest in your future. We can help you choose the term that works best for you – from 6 months to 36 months. For additional CD products, contact any UCB Customer Service Representative.

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CDARS®, the Certificate of Deposit Account Registry Service® 

A safe, convenient solution for large-deposit investors

By offering CDARS®, United Community Bank offers customers access to multi-million-dollar FDIC insurance. Everything is handled through United Community Bank. A customer's deposit is broken into smaller amounts and placed with other banks that are members of the CDARS Network. Then, those banks issue CDs in amounts under the standard FDIC insurance maximum ($250,000), so that the investment is eligible for FDIC protection. By working directly with just one bank - United Community Bank - customers can access coverage from many. Plus, our customers have peace-of-mind knowing they are dealing with the people they know and trust at United Community Bank. For more information or a quote of our current CD terms and interest rates, contact a Customer Service Representative at any of our locations.

United Community Bank is a member of the FDIC. Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC. 

Passbook Savings

Our easiest way to save!

  • No Minimum Balance
  • No Service Charge
  • ATM Card Available

Variable Rate - Rates may change at any time.  Fees may reduce earnings.  
Free eStatements or a Monthly $3.00 Paper Statement Fee will apply.