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Personal
CD/IRAs

Certificate of Deposit (CD)

United Community Bank CD Accounts offer you excellent yields and the security of your funds being FDIC insured. For up-to-date rates, please visit our Rate Sheet.

Easy Start IRA

This account will give you an easy start on the road to building your retirement. With just a $25 minimum deposit, you can start your Traditional, or Roth IRA. The Easy Start IRA Account is a three (3) year Certificate of Deposit. Annual Percentage Yield is based on the 12 month US Treasury Rate Plus .23%.** Automatic contributions are available ($25 min.) bi-weekly, monthly or quarterly at no additional charge. Easy Start IRA Accounts are FDIC insured.

* Substantial penalty for early withdrawal.
**Variable rate, adjusted the first of each month.

Fixed Rate IRA

At United Community Bank, we offer Roth or Traditional IRAs. IRA rates change weekly and Annual Percentage Yield may vary depending on the length of the contract. IRAs can be purchased for periods ranging from three (3) months to sixty (60) months with as little as $500. It's your option! All UCB IRAs are FDIC insured up to $250,000.

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