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Rates & Fees


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Account Term Min. Deposit Dividend Rate APY*
Regular Savings

0.05% 0.05%
Platinum Savings (Platinum Credit Card Customers Only)

0.80% 0.80%
Christmas Club
Minimum of $20.00 automatic transfer from United Bank checking account required 0.05% 0.05%
Certificate of Deposit
 1 Month $500.00 0.55% 0.55%

3 Months $500.00 0.55% 0.55%

6 Months $500.00 0.60% 0.60%

12 Months $500.00 0.75% 0.75%

24 Months $500.00 0.85% 0.85%

36 Months $500.00 0.95% 0.95%

48 Months $500.00 1.05% 1.05%

60 Months $500.00 1.20% 1.20%
Saver CD
12 Months
 $100.00 0.75% 0.75%

24 Months $100.00 0.85% 0.85%

36 Months $100.00 0.95% 0.95%

48 Months $100.00 1.05% 1.05%

60 Months $100.00 1.20% 1.20%
CD & IRA Specials
 6 Months CD Special $1,000.00 4.18% 4.25%

6 Month IRA Special $1,000.00 4.18% 4.25%

13 Month CD Special $1,000.00 4.04% 4.10%

13 Month IRA Special $1,000.00 4.04% 4.10%
Emergency Savings1

4.91% 5.00%
 
Some products may not be available to apply for online. In this case, please visit one of our United Bank branch locations.
 
All annual percentage yields (APY) for share certificate accounts and certificate IRAs are accurate as of December 4, 2024.
 
*APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. Fees may reduce earnings.
 
1This Account is an interest bearing account. If the daily balance is less than $5,000.01, the interest rate paid on that portion of the balance will be 4.91%. The annual percentage yield for this tier will be 5.00%. If the daily balance is more that $5,000.00, but less than $10,000.01, the interest rate paid on that portion of the balance will be 0.75%. The annual percentage yield for this tier will range from 5.00% to 2.88%. If the daily balance is more than $10,000.00, the interest rate paid on that portion of the balance will be 0.05%. The APY for this tier will range from 2.88% to 0.05%. APY effective as of 2/7/25. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. You must deposit $50.00 to open this account. There is no limitation for withdrawals or transfers, but a fee of $5.00 per withdrawal is assessed, in excess of 2 per month. A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account.
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Account Term Dividend Rate APR*
Consumer Loans
 1-12 Months
12.99% (Unsecured)
10.99% (Secured)

13-24 Months
13.44% (Unsecured)
11.34% (Secured)

25-26 Months
13.89% (Unsecured)
11.69% (Secured)

37-48 Months
14.14% (Unsecured)
12.04% (Secured)

49-60 Months
14.39% (Unsecured)
12.39% (Secured)
Auto Loans1

 0-36 Months 5.49% 5.73%
 
 37-60 Months 5.94% 6.09%
 
 61-72 Months 6.44% 6.57%
Truck Loans2
 0-36 Months 5.19% 5.33%

37-60 Months 5.39% 5.48%

61-84 Months 5.79% 5.86%
Visa Credit Card (Classic)3
  14.75%
Visa Credit Card (Platinum)4
     12.75%
 
All loans subject to credit approval. APR= Annual Percentage Rate. All interest rates and annual percentage rates are accurate as of February 5, 2025. 
 
1APR based on $35,000(new). Will vary depending on the amount and credit score.
2APR based on $55,000(new). Will vary depending on the amount and credit score.
3APR for purchase transaction may vary, the rate is determined monthly by adding 7.00% to the Prime Rate as published in the Wall Street Journal on the 1st day of the prior month.
4APR for purchase transactions may vary, the rate is determined by adding 5.00% to the Prime Rate as published in the Wall Street Journal on the 1st day of the prior month.
Account Term Rate APY
Residential Construction Loan - Primary Residence
 Up to 12 Months 7.50%  
1st Lien in House Home Loans - Primary Residence 
 5 Years 6.75% + Monthly Credit Score Adjustment
1st Lien in House Home Loans - Primary Residence
 7 Years 7.10% + Monthly Credit Score Adjustment
1st Lien in House Home Loans - Primary Residence
 7 Years 6.75% + Monthly Credit Score Adjustment
Homefield Advantage - Primary Residence (No Mobile Home)
 10 Years 
7.20% (fixed)
Homefield Advantage - Primary Residence (No Mobile Home)
 20 Years
8.00% (fixed)
Homefield Advantage - Primary Residence (No Mobile Home)
 30 Years 
8.10% (fixed)
Your Home Mortgage - Primary Residence (No Mobile Home)
 30 Years
6.50% (fixed)
Hometown Choice Mortgage - Primary Residence (No Mobile Home)
 Up to 10 Years 
6.525% (fixed)
Hometown Choice Mortgage - Primary Residence (No Mobile Home)
 Up to 20 Years
6.90% (fixed)
Hometown Choice Mortgage - Primary Residence (No Mobile Home)
 Up to 30 Years
7.00% (fixed)
Rates effective as of 2/7/2025. All loans subject to credit approval. Not all applicants will qualify. Variable-rate loans are those with rates that may fluctuate over the life of the loan.
Fees effective as of 8/01/2024
Overdraft Items:
  • NSF Fee Consumer Paid : $34.00 per item
  • NSF Fee Consumer Returned: $34.00 per return
  • NSF Fee Commercial Paid : $34.00 per item
  • NSF Fee Commercial Returned: $34.00 per return
Official Checks:
  • $5.00 per check
Wire Transfers:
  • Domestic Outgoing Wire Transfer Fee : $25.00 per transfer
  • Domestic Incoming Wire Transfer Fee : $15.00 per transfer
  • International Outgoing Wire Transfer Fee: $60.00 per transfer
  • International Incoming Wire Transfer Fee: $45.00 per transfer
Collection Service:
  • Collection Service- Customer- Outgoing : $20.00 per item
  • Collection Service- Customer- Incoming : $32.50 per item
  • Collection Service- Foreign Item : $20.00 plus cost
Research:
  • Research : $35.00 per hour
  • Research- Per Page Fee : $1.00 per page
  • Minimum Charge: $35.00
Debit Cards:
  • Instant Issue Debit Card Replacement : $10.00 per card
Night Depository:
  • Locked Bag : $35.00
  • Additional keys : $5.00 per key
  • Zipper Bag: $5.00
Safe Deposit Box:
  • Safe Deposit Box Replacement Key : $25.00 per key
  • Safe Deposit Box Locksmith Fee: $190.00
  • 2" x 5": $20.00 annually
  • 3" x 5": $35.00 annually
  • 3" x 10": $50.00 annually
  • 4" x 5" : $27.00 annually
  • 4" x 10": $55.00 annually
  • 5" x 5": $45.00 annually
  • 5" x 10": $60.00 annually
  • 6" x 10": $70.00 annually
  • 10" x 10" : $120.00 annually
  • Personal Storage Compartment: $120.00 annually
Dormant Account:
  • Checking Account Dormancy Fee : $5.00 per month (after one year)
  • Savings Account Dormancy Fee : $5.00 per month (after one year)
Return Deposited/Cashed Checks:
  • Return Deposited/Cashed Checks- Consumer: $10.00 per item
  • Return Deposited/Cashed Checks- Commercial : $10.00 per item
  • Return Deposited/Cashed Checks- Special Handling : $15.00
Miscellaneous:
  • Stop Payments: $34.00 per item
  • Savings Withdrawals: $5.00 per withdrawal (in excess of 2 per month)
  • Early Closure Fee- Savings/Checking : $10.00 (within 180 days)
  • Christmas Savings Withdrawal: $10.00 per withdrawal
  • Copies: $1.00 per page
  • Balance Checkbook : $35.00 per hour
  • Balance Checkbook- Minimum Charge: $35.00
  • Levy : $75.00
  • Money Service Business MSB Fee: $300.00 per month
  • MSB Currency Fee: $0.50 per every $1,000 over $25,000
  • Notary Service- Non-Customer: $10.00
  • Counter Checks: $2.00 per page
Overdraft Protection:
  • Overdraft Protection Per Transfer Fee: $5.00 per transfer
 
Account Min. Deposit Rate APY
United Money Fund Account
 $2,500.00 0.05% 0.05%
Tiered Money Market
 $0.00 - $14,999.99 0.25% 0.25%

$15,000.00 - $29,999.99 0.75% 0.75%

$30,000.00 - $74,999.99 1.00% 1.00%

$75,000.00 - $299,999.99 2.00% 2.00%

$300,000.000+ 2.02% 2.02%
Fees effective as of 8/01/2024
Savings (Business):
  • $5 monthly maintenance fee can be avoided with a $300 minimum daily balance
  • Fee of $5 per withdrawal is assessed, in excess of 2 per month
  • Fee of $10 will be assessed if the account is closed within 180 days of opening 
Business Analysis Checking:
  • All debit items processed will be charged $0.25 per item
  • All credits items processed will be charged $0.07 per item (Transit items will be charged $0.10 per item)
  • Deposits will be charged $0.10 each
  • Regulatory charges will apply 
  • $32.50 monthly maintenance fee 
Business Advantage Checking:
Tier Items Monthly Maintenance Fee
1  0 - 10 $2.50
2 11- 50 $7.50
3 51 - 150 $15.00
4 151 - 300 $20.00
5 301 - 600 $35.00
6 601 - 1000 $50.00
United Money Fund (Non-Personal):
  • $15 monthly maintenance fee can be waived with a $2,500 minimum daily balance 
  • Fee of $10 will be assessed if the account is closed within 180 days of opening 
Tiered Money Market (Non-Personal):
  • $20 monthly maintenance fee can be avoided with a $15,000 minimum daily balance
  • $10 fee will be assessed if the account is closed withing 180 days of opening