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Grow your account with 6.01% APY1 (balances up to $10,000) with Reward Checking or 4.31% APY2 on CDs.

The numbers just make cents. (And dollars, too.)

Reward Checking

You could be getting 6.01% APY1, refunds on ATM fees and more with reward checking from United Community Bank. This high-yield checking account has impressive interest rates and minimal fees—designed to give you the highest returns! Who doesn’t love that? At United Community Bank, our goal is to make sure your money works as hard as you do.

  • Minimum initial deposit: $50
  • 6.01% APY1 for balances up to $10,0001
  • No monthly service charge1
  • Refunds on ATM fees nationwide1
  • Refunds on foreign ATM surcharges1
  • Unlimited check writing
  • Electronic statements
  • Must complete 15 posted and cleared United Community Bank VISA™️Debit Card transactions of at least $5.00 each in a qualifying statement cycle
  • Must have posted and settled at least one ACH Debit or ACH Credit during a qualifying statement cycle

Open Now- Reward Checking Special

1Minimum to open account is $50. Annual percentage yield (APY) is effective as of 05/24/2025. Premium APY based on tiered daily balances and qualifications. The portion of balances of $10,000 or less earn 6.01% APY. The portion of balances over $10,000 earn 0.10% APY. To earn the premium APY's and achieve a qualifying statement cycle, the following qualifications must be met: (1) you must complete 15 posted and cleared United Community Bank Visa Debit Card transactions in the amount of $5.00 or more excluding ATM transactions during the statement cycle, and (2) have at least one direct deposit or ACH debit per month posted and settled during the statement cycle. If all requirements are not met during any statement cycle, the entire balance will earn 0.05% APY. Additionally, if all requirements are met during the statement cycle, ATM fees totaling up to $20.00, that were incurred at other financial institutions will be refundable. If all requirements are not met, ATM fees incurred at other financial institutions will not be refunded. Paper statements may be mailed upon request at a cost of $3.00 per statement. Fees could reduce earnings on the account. Overdrafts could result in fees. Rate is subject to change after account opening.

11-Month CD

We have your best interest in mind: Get 4.31% APY2 For 11 Months

Find financial freedom on your own terms with CD investments with our 11 Month Certificate of Deposit Special

  • 4.31% APY2
  • Maximum Deposit of $500,000 (New Money Required)

Open Now- 11 Month CD Special

2Annual Percentage Yield (APY) is accurate as of 3/17/2025 and may change at any time. This offer applies for new money only. A $1,000 minimum deposit is required to open and earn the stated APY. Interest will be paid at maturity. Penalty may be imposed for early withdrawal which could reduce earnings. At maturity, the CD will automatically renew for the 12-month term at the current rate in effect at the time of renewal. CDs opened online have a maximum deposit limit of $500,000. Rate applies to consumer accounts only and excludes public entities, brokerage, and institutional deposits.