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Share Certificates

Give your money a new direction - UP! Small deposits with big returns, that's what UnitedOne's variety of certificate investment options offer you. It's time you started earning more with your money and a UnitedOne Share Certificate is how it's done.

  • Interest calculated daily and paid quarterly
  • Minimum deposits as low as $1,000
  • Terms from 3 months to 4 years
  • Regular & Jumbo Share Certificates available

Share/IRA Certificate Rates
Effective Date: Sunday, December 4th, 2022
Share TypeMinimum Balance to Earn APY*Dividend RateAPY
15 Month° $5,000 2.231% 2.250%
18 Month° $5,000 2.231% 2.250%
22 Month° $5,000 3.455% 3.500%
3 Month** $1,000 .549% .550%
6 Month** $1,000 .897% .900%
9 Month Advantage $10,000 2.477% 2.500%
9 Month Advantage $25,000 2.575% 2.600%
1 Year $1,000 1.689% 1.700%
1 Year Jumbo $10,000 1.739% 1.750%
2 Year $1,000 1.837% 1.850%
2 Year Jumbo $10,000 1.936% 1.950%
4 Year $1,000 1.492% 1.500%
4 Year Jumbo $10,000 1.590% 1.600%
Other certificate types may be available, please contact us for more information.   Term share certificates are subject to early withdrawal penalties which may reduce earnings.   *APY = annual percentage yield   **Indicates certificate is not available as an IRA. °Indicates a $5,000 minimum deposit required.


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