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.
| Share/IRA Certificate Rates | |||
| Effective Date: Wednesday, September 16th, 2026 | |||
| Share Type | Minimum Balance to Earn APY* | Dividend Rate | APY |
| 3 Month** | $1,000 | 2.967% | 3.000% |
| 6 Month** | $1,000 | 4.038% | 4.100% |
| 9 Month | $1,000 | 3.796% | 3.850% |
| 11 Month | $1,000 | 4.281% | 4.350% |
| 1 Year | $1,000 | 2.722% | 2.750% |
| 1 Year Jumbo | $10,000 | 2.820% | 2.850% |
| 18 Month | $5,000 | 2.575% | 2.600% |
| 2 Year | $1,000 | 2.673% | 2.700% |
| 2 Year Jumbo | $10,000 | 2.771% | 2.800% |
| 3 Year | $5,000 | 2.477% | 2.500% |
| 4 Year | $1,000 | 2.094% | 2.110% |
| 4 Year Jumbo | $10,000 | 2.192% | 2.210% |
*APY = annual percentage yield.
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When your Share Certificate reaches its maturity date, you'll have a grace period of 10 days during which you can renew it, make changes to the term, withdraw the funds, or add additional funds. If no changes are made during the grace period, the Share Certificate will automatically renew into a new certificate with the current rate and term available at that time. For special/promotional terms, the share certificate will renew to the next highest standard term. For example, an 11-month spcial would renew to a 1-year certificate.
Call or text us at (920) 684-0361, or email us at Savings@UnitedOne.org. Proudly serving Manitowoc, Sheboygan, and surrounding communities.
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