United Citizens Bank offers certificates with various term and balance requirements to meet your needs. Each one is automatically renewable at maturity date. Interest may be paid quarterly, semiannually, or annually, and may be capitalized, transferred to another account, or paid by check.

With a United Citizens IRA, you can begin financial security for your retirement years with possible tax deductions at the same time. Deposits are invested in certificates for two years. The annual percentage yield is fixed for the term. In addition to Traditional IRA’s, also available are Coverdell Education Savings IRA’s, Individual(k)’s for self employed individuals, and Simplified Retirement Plans for small business owners.