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: Wednesday, October 4th, 2023
Share Type	Minimum Balance to Earn APY*	Dividend Rate	APY
15 Month°	$5,000	4.426%	4.500%
11 Month°	$5,000	4.909%	5.000%
3 Month**	$1,000	1.244%	1.250%
6 Month**	$1,000	2.231%	2.250%
9 Month Advantage⁺	$10,000	4.329%	4.400%
9 Month Advantage⁺	$25,000	4.474%	4.550%
1 Year	$1,000	2.526%	2.550%
1 Year Jumbo	$10,000	2.624%	2.650%
2 Year	$1,000	2.575%	2.600%
2 Year Jumbo	$10,000	2.673%	2.700%
4 Year	$1,000	1.985%	2.000%
4 Year Jumbo	$10,000	2.084%	2.100%
APY = annual percentage yield. * = Indicates certificate is not available as an IRA. ° = Indicates a $5,000 minimum deposit required. ⁺ = Accepts unlimited deposits during the 9 month term in $500 increments. Allowed 1 withdrawal during the 9 month term-balance must remain at $10,000 or $25,000 depending on the Advantage Certificate opened. A Money Market share must be opened in conjunction with any Advantage Certificate and remain open for the entire term of the Certificate. 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. Rates subject to change at any time and without notice. Federally insured by NCUA. Membership eligibility required. UnitedOne.org.