United Bank CD Rates (November 2026) & Calculator
United Bank pays up to 4.05% APY on an 11-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
United Bank CD rates (Nov 5, 2026)
Every CD term United Bank lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 1 month | Standard CD | $500 | 0.25% | $2.08 |
| 2 months | Standard CD | $500 | 0.25% | $4.16 |
| 3 months | Standard CD | $500 | 0.50% | $12.48 |
| 5 months | Digital Rate CDSpecial | $500 | 4.00% | $164.76 |
| 6 months | Standard CD | $500 | 1.75% | $87.12 |
| 11 months | Digital Rate CDSpecial | $500 | 4.05% | $370.63 |
| 1 year | Standard CD | $500 | 2.00% | $200.00 |
| 18 months | Standard CD | $500 | 1.80% | $271.21 |
| 20 months | Digital Rate CDSpecial | $500 | 3.50% | $590.11 |
| 2 years | Standard CD | $500 | 1.80% | $363.24 |
| 26 months | Digital Rate CDSpecial | $500 | 3.50% | $773.85 |
| 30 months | Standard CD | $500 | 1.85% | $468.94 |
| 3 years | Standard CD | $500 | 1.85% | $565.33 |
| 38 months | Digital Rate CDSpecial | $500 | 3.50% | $1,150.93 |
| 4 years | Standard CD | $500 | 1.90% | $781.94 |
| 50 months | Digital Rate CDSpecial | $500 | 3.50% | $1,541.21 |
| 5 years | Standard CD | $500 | 1.90% | $986.79 |
Special is a promotional rate. Relationship needs a linked account at United Bank. A dash means the same APY as the opening balance. The highlighted row is United Bank's top rate.
Source: United Bank CD rates. Rates change often; confirm before you open an account.
United Bank vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.
| Term | United Bank | National avg | Best other bank |
|---|---|---|---|
| 1 month | 0.25% | 0.23% |  Western Alliance 0.90% |
| 2 months | 0.25% | 0.23% (1 mo) |  Chase 0.50% (relationship) |
| 3 months | 0.50% | 1.14% |  Popular Direct 4.30% |
| 5 months | 4.00% | 1.39% (6 mo) |  First Citizens 4.00% |
| 6 months | 1.75% | 1.39% | Popular Direct 4.35% |
| 11 months | 4.05% | 1.76% (12 mo) |  Wells Fargo 4.25% (relationship) |
| 1 year | 2.00% | 1.76% | Popular Direct 4.60% |
| 18 months | 1.80% | 1.76% (12 mo) | Popular Direct 4.80% |
| 20 months | 3.50% | 1.55% (24 mo) | – |
| 2 years | 1.80% | 1.55% |  E*TRADE 4.80% |
| 26 months | 3.50% | 1.55% (24 mo) |  Associated Bank 1.00% |
| 30 months | 1.85% | 1.55% (24 mo) |  Sallie Mae 4.50% |
| 3 years | 1.85% | 1.39% | Popular Direct 4.85% |
| 38 months | 3.50% | 1.39% (36 mo) | – |
| 4 years | 1.90% | 1.31% | Popular Direct 4.95% |
| 50 months | 3.50% | 1.31% (48 mo) | – |
| 5 years | 1.90% | 1.41% | Sallie Mae 5.00% |
United Bank CD early withdrawal penalty
| Term | Penalty |
|---|---|
| 3 months or less | the greater of all interest earned or 7 days of interest |
| greater than 3 months up to 1 year | 3 months of interest |
| greater than 1 year up to 2 years | 6 months of interest |
| greater than 2 years | 12 months of interest |
Example: $10,000 in a 1-year CD at 2.00%, withdrawn after 6 months, has earned $99.50. The penalty is $49.51, so you would get $10,050.00.
The penalty can reach your principal if it is more than the interest earned. Official disclosure (checked 2026-11-06).
Taxes on United Bank CD interest
CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. United Bank sends Form 1099-INT when you earn $10 or more in a year. For example, the $370.63 that $10,000 earns over 11 months at 4.05% would cost about $82 in federal tax in the 22% bracket.
If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following United Bank's published rule for that term.
Rates come from United Bank's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against United Bank's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.
United Bank CD FAQs
Quick answers about United Bank CD rates and penalties.
What are United Bank's CD rates today?
How much will $10,000 earn in an 11-month United Bank CD?
What is United Bank's CD early withdrawal penalty?
Are United Bank CDs insured?
How do United Bank's rates compare with the national average?
Compare CD rates at other banks
Best APY at each bank for a $10,000 deposit, checked Nov 5, 2026. United Bank's best is 4.05%.
- Popular Direct1-year 4.60%Top rate5.00%5 yr
- Sallie Mae1-year 4.50%Top rate5.00%5 yr
- E*TRADE1-year 4.55%4.80%2 yr
Barclays1-year 4.50%4.75%2 yr
Synchrony1-year 4.30%4.75%5 yr
Ally1-year 4.50%4.50%1 yr
American Express1-year 3.75%4.50%10 mo
CIBC Agility1-year 4.50%4.50%1 yr
EverBank1-year 3.50%4.50%2 yr
Live Oak Bank1-year 4.50%4.50%1 yr- Associated Bank1-year 1.00%4.40%13 mo
Marcus1-year 4.40%4.40%1 yr
City National1-year 4.39%4.39%1 yr
Bask Bank1-year 4.35%4.35%1 yr
Atlantic UnionNo 1-year CD4.30%13 mo
Eastern BankNo 1-year CD4.30%18 mo
Flagstar1-year 4.30%4.30%1 yr
FNBNo 1-year CD4.30%13 mo
Huntington1-year 0.25%4.30%13 mo
TD Bank1-year 4.15%4.30%2 yr
BOK FinancialNo 1-year CD4.25%14 mo
Citi1-year 4.25%4.25%1 yr
Fulton Bank1-year 0.70%4.25%25 mo
PNC1-year 0.02%4.25%13 mo
UMB1-year 0.10%4.25%15 mo
Webster Bank1-year 0.02%4.25%11 mo · rel.- Wells Fargo1-year 1.51%4.25%11 mo · rel.
WSFS1-year 2.75%4.25%7 mo- Old NationalNo 1-year CD4.15%11 mo
Rockland Trust1-year 4.00%4.15%18 mo
M&T Bank1-year 3.00%4.10%18 mo · rel.
Navy Federal1-year 4.05%Credit union4.10%18 mo
Valley Bank1-year 3.50%4.10%6 mo
WaFd Bank1-year 3.00%4.10%13 mo
Capital One1-year 4.00%4.00%1 yr
CIT Bank1-year 4.00%4.00%1 yr- First Citizens1-year 2.00%4.00%5 mo
- Customers BankNo 1-year CD3.85%3 mo
Fifth Third1-year 3.70%3.70%1 yr- Chase1-year 0.50%3.50%8 mo · rel.
PenFed1-year 3.20%Credit union3.50%5 yr
U.S. Bank1-year 3.40%3.50%9 mo- Western Alliance1-year 2.78%3.48%3 mo
Bank of Hawaii1-year 3.40%3.40%1 yr · rel.- CitizensNo 1-year CD3.10%14 mo · rel.
First Hawaiian1-year 2.90%3.05%6 mo · rel.
Zions Bank1-year 3.05%3.05%3 mo
USAA1-year 1.80%2.25%7 mo
OceanFirst1-year 0.10%0.50%7 yr
First Horizon1-year 0.10%0.10%6 mo
TruistNo 1-year CD–
Green rates beat United Bank's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.