Certificates of Deposit | Individual Retirement Accounts

Certificates of Deposit

Available in terms from three months to five years. Rates are subject to change on a monthly basis, but are fixed for the term when a CD is purchased. Minimum deposits are required and vary depending upon terms. Dividends are posted monthly by compounding to the CD balance, deposited to your Savings Plus account, or a check sent by mail. Penalties for early withdrawal may apply.

Special CDs we offer:

Save to Win CD
This is a 12 month Certificate of Deposit that you can win monthly prizes with, for each $25 you deposit you earn an entry into the monthly drawings. Click here to find out more.

Step Up CD
This is a 20 month Certificate of Deposit which allows you to "step-up" the rate to whatever the current rate is, once during the 20 month term.

Youth CD
Start saving today with a 6 month Youth CD! This is for youth ages 0-21. They can start their own certificate for just $100 and can continue adding to it until it reaches a maximum of $2,000.

4H CD
Bring in your check from the sale of your animal or craft items to open this special 6 month CD. At the end of the 6 month term, you can use the money to buy your next animal, supplies for the fair or just continue to save with a Youth CD!

Safe Parking CD
This is a 36 month Certificate of Deposit which allows you a one time withdraw of up to 50% of the balance of the CD with no penalty.

United Financial also offers IRA certificates for Traditional & Roth IRA funds for various term limits.

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Individual Retirement Accounts

Traditional IRA

Supplement your pension and social security with a Traditional IRA from United Financial. Your funds are tax deferred, may be tax deductible and they are insured separately up to $250,000 by the NCUA. United Financial also offers IRA certificates or various term limits and potentially higher dividends. You may also directly transfer certain qualified retirement plan money to this account.

Roth IRA

With a Roth IRA, there is no age limit for required distributions. You may withdraw any contributions (deposits) you have made to this account at any time and for any reason - without being taxed or penalized. If you choose to withdrawal earnings (dividends), you are subject to penalty and tax unless you meet certain qualified distribution requirements. Roth IRA funds are insured separately up to $250,000 by the NCUA.

For more information on IRAs - Click Here

Traditional and Roth IRA certificates are also available.

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