CD's, IRA's Rates

Open a UCB Certificate of Deposit (CD) or Individual Retirement Account (IRA) and start saving now.  We offer CDs with maturities ranging from 3 months to 10 years.  Our "Special" CDs are 10 month and 20 month certificates.  You may "trade a rate" with a one-time rate change during the term and have the ability to add up to $2,000 to your certificate each month. 

 Annual Percentage Yield (APY) effective as of April 25, 2017

*A penalty may be imposed for early withdrawal   **Fees may reduce earnings and rates are subject to change. 
  Annual Percentage 
Yield (APY)
Interest
Rate
Minimum to
Earn Interest
Opening
Balance
 91 Day Certificate*       0.15%  0.15% $500 $500
182 Day Certificate*       0.20%  0.20%  $500  $500
 10 Month Certificate* (Special) 0.30% 0.30%  $500 $500
 12 Month Certificate*  0.35%  0.35%  $500  $500
 18 Month Certificate*  0.40%  0.40%  $500  $500
 20 Month Certificate* (Special)  0.60%  0.60%  $500  $500
 24 Month Certificate*  0.50%  0.50%  $500  $500
 30 Month Certificate*  0.55%  0.55%  $500  $500
 36 Month Certificate*  0.70%  0.70%  $500  $500
 48 Month Certificate*  1.10%  1.10%  $500  $500
 60 Month Certificate*  1.26%  1.25%  $500  $500
 90 Month Certificate*  1.26%  1.25%  $500  $500
 12 Month IRA*  0.55%  0.55%  $100  $100
 36 Month Trade-A-Rate IRA*  0.95%  0.95%  $100  $100
 60 Month IRA*                       1.26%  1.25%  $100  $100

To learn more about our CDs and IRA options, please complete the information below and one of our Branch Managers will be happy to answer any of your questions.