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Home > Personal Services > Savings > Share Certificates

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: Thursday, December 3rd, 2020
Share TypeMinimum Balance to Earn APY*Dividend RateAPY
3 Month** $1,000 .100% .100%
6 Month** $1,000 .200% .200%
9 Month Advantage $10,000 .100% .100%
9 Month Advantage $25,000 .200% .200%
1 Year $1,000 .200% .200%
1 Year Jumbo $10,000 .250% .250%
2 Year $1,000 .250% .250%
2 Year Jumbo $10,000 .349% .350%
4 Year $1,000 .349% .350%
4 Year Jumbo $10,000 .449% .450%
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.


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