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Certificate of Deposits

Money for Your Future
Looking for a long-term savings option? Check out our CD and IRA options that will help you turn your money into a future.

  • CDs pay higher interest rates than most savings accounts
  • Interest can be credited to the CD or to a Checking or Savings account
  • FDIC insured up to $250,000

For up-to-date rates, please visit our Rate Sheet.


Easy Start IRA

This account will give you an easy start on the road to building your retirement.

  • $25 minimum deposit
  • Three year Ceritificate of Deposit*
  • APR based on 12 US Treasury Rate Plus .23%**
  • Automatic contributions available
  • FDIC insured

*Substantial Penalty for early withdrawal.

**Variable rate, adjusted the first ofeach month.


Fixed Rate IRA

  • Available as Roth or Traditional IRAs
  • Rates change weekly and APY may vary depending on length of contract
  • Time periods range from three to 60 months
  • FDIC insured up to $250,000

Fixed Rate IRA

We offer Roth or Traditional IRAs. IRA rates change weekly and Annual Percentage Yield may vary depending on the length of the contract. IRAs can be purchased for periods ranging from three months to 60 months with as little as $500. All UCB IRAs are FDIC insured up to $250,000.