Savings Accounts

Save for the future. Save for your dreams.

Whether you’re saving for retirement, building a nest egg for the future, or creating an emergency fund for a time in need, United has the right savings option for you.

United Savings

Isn't it funny how Plan A and B always become Plan C-Ya? Now, planning has never been so easy or secure with our convenient interest-earning savings account.

$100 minimum to open
Daily balance of $100 necessary to avoid service charge¹
Competitive interest rates while retaining access to your funds
Six free withdrawals each quarter²

Open an Account Schedule an Appointment

United Money Market

Earning prime interest rates is the name of the game with this high-yield Money Market account.

$1,500 minimum to open
Daily balance of $1,500 necessary to avoid service charge³
Account balance earns you graduated interest rates
Six free withdrawals per statement cycle⁴

Open an Account Schedule an Appointment

Certificates of Deposit

Time might pass you by, but your dollars won’t in the process. Earn more on your money with one of our CD options.

4-month, 7-month, 11-month, and 23-month options available
Competitive rates
Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly.

Learn More Schedule an Appointment

United Student Savings

If you are 22 or younger, start planning for your future with our interest-earning savings account. Your future self will love you for it.

$5 minimum to open
No service charge
Competitive interest rates while retaining access to your funds
Six free withdrawals each quarter²

Open an Account Schedule an Appointment

United Treasure Chest Savings

For children 12 years and younger, this account is a great opportunity to teach your child to save.

$5 minimum to open
No service charge
Competitive interest rates while retaining access to your funds
Six free withdrawals each quarter²

Open an Account Learn More

Health Savings Account

Give your future self peace of mind and health with the triple tax advantages of an HSA.

$100 minimum to open
One-time $10 setup fee and $2.75 monthly service charge
HSA debit card and digital banking access
Personalized HSA portal with your tax savings to date, transaction details, and receipt storage

Explore HSA Options Access Your HSA Account

Enjoy these benefits with every account.

Online Banking

Access your account, pay bills, transfer funds, manage your personal finances, and more from the comfort of your home with the help of our digital banking solutions.

Learn More

eStatements

View, search, save and print statements for all your United Community accounts. It’s totally free, and you can do it from home, or on the go using our Online and Mobile Banking options. Simply edit your 'Delivery Options' settings within your digital banking accounts and follow the directions.

Learn More

Direct Deposits

Free up time with fewer trips to the bank. Direct Deposit is a convenient, free service that automatically deposits funds into your account quickly and securely.

Download the Form

Mobile Deposits

Ever taken a check selfie? No worries, all you have to do is snap a picture of your check with the United Community mobile app and deposit it directly to your account³. It’s that easy.
*United Community reserves the right to restrict mobile deposit access for new online banking customers.

Download the Mobile App

An HSA to save the day.

Get easy access to your money while earning tax-free interest on your balance with a Health Savings Account. You never know when you’ll need it most.

Learn More

Watch your money grow.

Nothing is ever a guarantee. Or is it? When you diversify your portfolio with our Certificates of Deposit (CDs), rest assured that your money is actually working for you, not against you.

Easy online application with multiple terms to choose from
Competitive interest rates available
Additional options available in branch

Learn More

Get the Right IRA That Pays

These days, it's more important than ever to start saving for your future. With our Traditional and Roth IRA options that come in a variety of terms, there's really no reason to wait.

Visit a Branch

Learning Center

Protect Yourself from Fraudulent Calls, Texts, and More

Scammers are impersonating bank employees in an attempt to obtain personal information and access to accounts. These fraudsters are sophisticated and may even spoof our phone number, making it look like the call is coming from United Community.

Read Article

woman opening a checking account online with United Community

Switch Banks in Six Easy Steps

Switch your checking account to United Community in just six easy steps. Follow our simple checklist for a seamless transition to better banking today!

Read Article

father and baby researching ways to consolidate debt

Simplify Your Debts Into One Monthly Payment

Simplify your finances by consolidating debt into one manageable monthly payment. Explore options like home equity loans, personal loans, and lines of credit to reduce stress and save money with lower interest rates.

Read Article

View All Posts

A service charge of $5.00 will be imposed every quarter if the balance in the account falls below $100.00 any day of the quarter.
² A $2.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per quarter.

³Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained.

⁴A $10.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per month.

⁵Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.