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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: Tuesday, November 20th, 2018
Share TypeMinimum Balance to Earn APY*Dividend RateAPY
NEW! 15 Month $5,000 2.162% 2.180% ***
3 Month** $1,000 .698% .700%
6 Month** $1,000 1.095% 1.100%
9 Month Advantage $10,000 1.195% 1.200%
9 Month Advantage $25,000 1.294% 1.300%
1 Year $1,000 1.541% 1.550%
1 Year Jumbo $10,000 1.640% 1.650%
2 Year $1,000 2.084% 2.100%
2 Year Jumbo $10,000 2.182% 2.200%
4 Year $1,000 2.477% 2.500%
4 Year Jumbo $10,000 2.575% 2.600%
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. ***Available to members with active UnitedOne checking; APY is 2.080% without active checking.


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