Savings

Online Accounts


Net Certificate of Deposit
Apply online for the 12-month  fixed rate CD. $5000 minimum balance to open. Interest is compounded semi-annually. A substantial penalty for early withdrawal. See disclosures.

Traditional Accounts

Treasury Money Market Account

• Calculate your savings needs
• Open your account online

This account merges the benefits of a  savings and checking account.

• Interest compounded daily and  credited monthly
• Tiered rate based upon daily balance
• Unlimited transactions
• Deposits or transfers can be made by mail
• In-person deposits or transfers
• ATM cash withdrawals up to $500 per  24 hours
• Limited transactions:(Federal  regulations limit these transactions to six per month, of which  three can be by check)
• Three written checks
• Phone  transfers
• Pre-authorized transfers
• ATM  transfers
• Open your account online

Statement Savings

An important part of every complete savings program.

• Minimum balance $50 (Minors under  18 years exempt)
• Interest compounded and credited semi-annually
• Automatic transfers available
• ATM  service available
• $1 Monthly fee if balance falls  below $100
• Six withdrawals per month, then  $1 per withdrawal
• Open your account online

Savers Plus

You pick the maturity for your Savers Plus account.

• Interest compounded and credited semi-annually
• Open with $10 or more
• Automatic transfers available
• Choose maturity date (minimum six months)
• Three options for pay out at maturity:
• Auto deposit to savings
• Auto deposit to checking
• Check mailed to customer
• $5 early withdrawal fee per  early withdrawal
• Open your account online

Certificate of Deposit

Earn higher rates when you "lock-in" your funds for a specified time.

• Variety of terms available
• Additions & withdrawals available at maturity
• Transactional CD
• Adjustable rate CD
• Early withdrawal results in  penalty of three months interest if original maturity is 12 months or less, or six months interest if original maturity is over 12 months
• Open your account online

Individual Retirement Account

We can help you prepare for retirement with IRA’s.

• Interest compounds tax-deferred until funds are withdrawn
• Contributions may be tax-deductible. See your financial advisor on possible tax  deductibility
• $100 for variable IRA  savings accounts
• $1000 for any term available in CD
• IRA’s are separately insured by the FDIC up to $100,000.00 per depositor
• Monthly automatic transfers of $25 available with variable IRA savings & CDs
• Open your account online

 Annual percentage yields (APY) may be reduced by early withdrawal penalties, are accurate as of the effective date listed, and assume funds will credit the account and remain on deposit for one full year at the listed rate.

Combined statement available. Contact us for details.

United Bank reserves the right to limit new accounts to people residing  within its market areas.