Certificates of Deposit (CDs)


CDs are a reliable, risk-free savings vehicle to safely tuck away money if you don't need it right away. Our friendly staff will help you choose the best term for your savings goal. If you withdraw funds before the selected maturity, interest penalties will apply. Think of this as a built-in security system to stay on course with your savings!

  • Maturity terms as short as 90 days or as long as 60 months
  • $1,000 minimum deposit required
  • Interest compounds quarterly
  • Interest payment may be made in a variety of choices
  • Please give us a call for competitive market interest rates and special CD’s we may offer

Do you have a CD that is about to mature?
Please visit any of our branches or call us at 606-376-5031 to learn about the options that are available to you. UCB offers competitive interest rates, so please give us a call.

Want to be sure your savings are insured?
UCB deposit accounts have the security of FDIC insurance. The base FDIC coverage amount is $250,000 for each depositor for all combined deposits in the same bank. However, if you have joint and individual accounts, you and the other account owner may be eligible for additional coverage. Call or stop by any branch for more information.

Interest penalty may be imposed for early withdrawal. The CD rate and term is fixed through the maturity date.. You may request to see our combination disclosures for Important Account Information and Limits and fees applicable to our deposit accounts.