United Community Bank Review: High-Yield CD Options
Written by
Rudri Patel
Edited by
Joe Evans
Commitment to Our Readers
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Earn a Hefty Annual Percentage Yield on a Four-Month CD
United Community Bank is tailored to offer a comprehensive set of financial products to meet individual and business needs. The bank has a solid reputation for great customer service.
United Community Bank has 197 branches in six states: Georgia, North Carolina, Tennessee, South Carolina, Florida, and Alabama. It offers a full suite of products, including checking, savings, money market accounts, and CDs. United Community Bank also offers business financial options.
United Community Bank is tailored to offer a comprehensive set of financial products to meet individual and business needs. The bank has a solid reputation for great customer service.
GOBankingRates has ranked it among the Best Banks of 2025 for Georgia customers.
United Community Bank Checking Account
United Community Bank offers four different checking accounts: United Checking, United Signature Checking, United Checking for 55+, and United Checking for Students. All accounts require a minimum deposit to open, ranging from $25 to $100.
- United Checking requires a $50 minimum deposit, and a monthly fee of $8 will be waived if enrolled in an e-statement or monthly direct deposit
- United Signature Checking requires a $100 minimum deposit, and a monthly fee of $25 can be waived.Â
- Ability to earn interest with United Signature Checking based on balanceÂ
- Free checks and no foreign transaction fees for United Signature Checking
- United Checking for 55+ and students require a $25 minimum opening deposit and no monthly service
- Large ATM network
Best For
Mobile App
Banking in Georgia
Low Monthly Fees
Loan Options
Investment Services
Low Minimum Deposit, Great For High-Balance Savers
United Community Bank offers a good range of checking account options with low minimum opening balance requirements.
Fees
Waivable monthly service fees
APY
Rates not disclosed online
Min Opening
$25 to $100
Pros
- Checking accounts appeal to various customer’s financial profile
- Low opening depositsÂ
- Ability to earn interest on a Signature Checking account
- Large network of ATMs
Cons
- Limited branches across the Southeast
- May have higher balance requirements for premium
Quick Take
United Community Bank offers a range of checking accounts to fit various needs. The opening deposits are low, but to capture premium benefits, you will likely need to keep balances high.
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United Community Bank Savings Accounts
United Community Bank offers two savings account options, United Savings, and United Student Savings. The United Savings requires a $100 minimum deposit, and the United Student Savings requires a $5 minimum deposit.
- Low opening balances
- Fees are waivableÂ
- Six free withdrawals every quarter
- APYs range from to on both accounts
Best For
Mobile App
Banking in Georgia
Low Monthly Fees
Loan Options
Investment Services
Reliable, Steady Savings Options for a Wide Range of Customers
United Community Bank’s savings accounts offer a safe, reliable, industry-standard option for customers.
Fees
Fees waivable
APY
to
Min Opening
$5 for United Student Savings, $100 for United Savings account
Pros
- Low minimum deposits
- Encourages those who are 22 and younger to save
- Six withdrawals are free
Cons
- Interest rates may be less competitive with other banks
- Fees will be required if the monthly balance is not
Quick Take
United Community Bank offers accessible savings options for a wide age range of customers. Both United Savings and the student account can earn interest.
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United Community Bank CD Accounts
The CD offerings at United Community Bank range from four months to 23 months. The minimum deposit is $2,500.
- CDs have a range of to APY
- Interest earned will be compounded daily
- FDIC insured
- Minimum deposit of $2500
- Automatic renewal applies to CDs
Best For
Mobile App
Banking in Georgia
Low Monthly Fees
Loan Options
Investment Services
Varying Length CD Options with Competitive APYs
For customers looking for safe, promised returns on their investments, United Community Bank’s CDs will do the trick.
Fees
None
APY
to
Min Opening
$2,500
Pros
- Fixed interest rate guarantee funds
- Varying term lengths
- Competitive APYs compared to other regional banks
Cons
- High minimum deposit
- Early withdrawal penalties apply
- Automatic renewal applies
Quick Take
United Community Bank offers varying lengths of CDs with competitive APYs, but some may find the $2500 minimum deposit.
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United Community Bank Money Market Accounts
United Community Bank offers the United Money Market account. It requires a $1,500 minimum deposit to open.
- A daily balance of $1,500 is required to avoid charges
- Six free withdrawals allowed
- FDIC insured
- Tiered interest rate based on balance
Best For
Mobile App
Banking in Georgia
Low Monthly Fees
Loan Options
Investment Services
Solid Money Market Account Option for Experienced Investors
United Community Bank’s high minimum opening, balance-related fees and relatively low APY make it an unappealing option for upstart investors.
Fees
Fees Waviable
APY
to
Min Opening
$1,000
Pros
- Competitive interest ratesÂ
- Accessibility to fundsÂ
- APY ranges from to
- Higher balances will be rewarded with a higher interest rate
Cons
- High minimum deposit
- Must maintain $1500 to not incur a fee
Quick Take
United Community Bank’s money market option is good for customers with higher balances who want to capitalize on the interest rate.
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Banking Experience
United Community Bank offers robust online banking services and a comprehensive mobile app. The app allows you to view statements, pay bills, make transfers, deposit checks, and receive banking notifications wherever you are. The app is rated 4.6 out of 5 stars on the App Store and 4.6 out of 5 stars on Google Play.
Personal Financial Management is available through United Community Bank’s online banking platform. This service can help you set your financial goals, create and manage a budget, and track your progress toward financial independence. You can track your spending, cash flow, debts, and net worth, making adjustments as needed. You can link your outside accounts to your Personal Financial Management profile to see your big picture all in one place.
Customer Service
To contact United Community Bank customer service, call 1-800-822-8651. Customer service hours are Monday through Friday from 8 a.m. to 6 p.m. EST and Saturday from 9 a.m. to 12 p.m. EST.
How Does Bank of America Compare?
Comparison shopping is important when you’re looking for a bank. Here are some other options for regional banks in the Southeast.
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
Waivable monthly service fees
$0 to $8 monthly maintenance charges
No monthly service fee
APY
APY
APY
Rates not disclosed online
to
N/A
Min Opening
Min Opening
Min Opening
$25 to $100
$0
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
Fees waivable
$5 monthly maintenance fee waived with a minimum daily $200 balance
No monthly service fee
APY
APY
APY
to
Min Opening
Min Opening
Min Opening
$5 for United Student Savings, $100 for United Savings account
$0
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
None
No monthly maintenance fees
No monthly service fee
APY
APY
APY
to
Rates not disclosed online
Up to
Min Opening
Min Opening
Min Opening
$2,500
$1000
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
Fees Waviable
$12 monthly waivable maintenance fees
No monthly service fee
APY
APY
APY
to
to
Up to
Min Opening
Min Opening
Min Opening
$1,000
$50 in person, $0 online
$0
United Community Bank vs. SouthState Bank
SouthState Bank has 240 locations in Alabama, Florida, Georgia, North Carolina, South Carolina and Virginia. It offers a complete suite of banking, loan and investment options. SouthState Bank has lower minimums for basic checking and savings but lacks the big-picture view that UCB’s Personal Financial Management service provides.
United Community Bank vs. Regions Bank
If you’re considering a larger bank, Regions Bank has about 1,300 locations in 16 states, including locations throughout the South, Midwest, and Texas. Regions offer full-service banking for consumers and commercial customers, including deposit accounts, mortgages and other loans, and wealth management.
United Community Bank vs. Synovus Bank
Synovus Bank is a regional financial institution with 197 branches in six states. It charges out-of-network ATM fees, which can add up since branches are located in a limited number of states. Synovus doesn’t advertise its CD rates online, while United Community Bank shares terms and rate information online.
Final TakeÂ
If you’re looking for a regional bank where you can get personalized service and have at least a little money to keep in your accounts, United Community Bank may be the choice for you. And with its Personal Financial Management offering, you may find your assets growing as you work toward your goals.
United Community Bank FAQ
United Community Bank offers a wide range of financial products and services to meet your needs. Read our FAQ to learn more about what United Community Bank can do for you.- What is the transaction limit for United Community Bank?
- United Community Bank sets daily transaction limits for ATM cash withdrawals and debit card purchases. The daily ATM cash withdrawal limit is up to $500 per day, and the daily debit card purchase limit is up to $3,500 per day.
- How much money can I withdraw from a United Community Bank ATM?
- You can withdraw up to $500 daily from a United Community Bank ATM.
- Are there monthly maintenance fees with United Community Bank?
- United Community Bank charges monthly maintenance fees on checking accounts. However, these fees can be waived if you meet specific requirements.
- Does United Community Bank offer Zelle?
- Yes, United Community offers Zelle online and through mobile banking.
- Are accounts with United Community Bank insured?
- Accounts at United Community Bank are insured by the FDIC up to the allowable limit.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 20, 2024.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
To determine rankings GOBankingRates looked at the following factors from all banks: (1) minimum deposit to open an account; (2) monthly savings fee ratio (percent the minimum to avoid fee compared to the monthly fee itself); (3) minimum needed to earn APY; (4) savings APY; and (5) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (2) and (3) weighed 1.5 times, factor (4) weighed 4 times; and factor (5) weighed 0.5 times. To be considered for the HYSA, the product offered had to have an APY above 0.45%. All products and offerings had to be available as of Nov. 1, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 20, 2024.
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 20, 2024.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
