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Investment Products
 
Start making your dreams of tomorrow realities today. United Community Bank offers several options for long-term savings for education, retirement, and more.

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
We provide a wide range of investment products including all types of IRAs.  We offer Roth, Traditional or Educational 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) month with as little as $500. It's your option! All UCB IRAs are FDIC insured up to $250,000.

Certificates of Deposit (CD) - 3 Month - 60 Month CD
Visit the CDs, IRAs & Savings Rates page for up-to-date rates on all CDs.  United Community Bank CD Accounts offer you excellent yields and the security of your funds being FDIC insured.

 
 
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United Community Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.