Get a return on your investment.

Where you put your money matters, and CDs are a guaranteed way to earn higher rates than simple savings. No risk, maximum reward.

Save and earn more with a CD from United Financial

Certificates are available in terms from six 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 account, or a check sent by mail. Penalties for early withdrawal may apply.

Best in Market Rates

No need to shop the competition, we’ve already done that for you.

Options to Enjoy

Choose terms from 6 months to 5 years. Select CDs even offer amazing benefits like raising your interest with market rates.

Guaranteed Returns

When you complete your term, your return is guaranteed. Plus CDs pay better interest than other savings vehicles.

Find the certificate option that’s best for you.

Hometown Hero CD

Recognizing our local heroes! Veterans, Active Military, First Responders including EMT, Police and Fire staff can all enjoy special rates on this CD we created to show our gratitude.

Save to Win CD

A 12 month Certificate of Deposit that comes with the chance to win prizes! Every time you save $25 in a Save to Win certificate, you get another chance to win – up to 10 chances every month. It’s an investment with additional benefits!

Step Up CD

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.

Safe Parking CD

A 36 month Certificate of Deposit which allows you a one time withdrawal of up to 50% of the balance of the CD with no penalty, perfect if you’re not sure if you can wait for the full term.

Jumbo CD

For CDs that begin with an initial deposit of $100,000 or more, your CD will automatically receive an additional 0.10% on top of your term rate. Only available on select terms. Does not qualify on CD specials.

4H, FFA, and Youth CDs

We even offer great investment vehicles for kids! Start early with a Youth CD! Kids under 21 can start their own certificate for just $100 and can continue adding to it until it reaches a maximum of $2,000.

Youths involved with the 4H Club or Future Farmers of America (FFA) can also enjoy special CDs just for them! 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!

These rates rock!

CD Terms and Rates

Rates effective as of November 15, 2023
Fees could reduce earnings

There can be penalties for early withdrawals

Term

Minimum Investment

Interest Rate

APY**

6 month

4H or FFA CD

Amount of 4H or FFA Check

Max $5,000

4.97%

5.10%

6 month Youth CD

Ages 0-21

$100 – $2,000

4.88%

5.00%

36 Month Special- Double Step Up

NO NEW CDS ALLOWED

3.83%

3.90%

Hometown Hero 6 month

$250

 

3.34%

 

3.40%

 

Hometown Hero 18 month

$250

3.54%

3.60%

6 month

$500

3.10%

3.15%

12 month

$500

3.20%

3.25%

Save to Win 12 month

$25

3.20%

3.25%

18 month

$500

3.30%

3.35%

Step Up 20 month

$500

3.44%

3.50%

24 month

$500

3.49%

3.55%

Safe Parking 36 month

$500

3.44%

4.00%

48 month

$500

3.92%

4.00%

60 month

$500

3.92%

4.00%

Jumbo CDs – 24 to 60 months

$100,000

Additional .10% on top of term rate

Additional .10% on top of term rate

We can also help you prepare for retirement.

What’s the sense in retiring if you have to worry about your finances all the time? Set yourself up for a relaxing retirement with a Traditional or Roth IRA today.

Not a member yet? There are so many reasons to join now!