48-month Certificate of Deposit

Start an application

We recommend gathering the items listed below before you start. If you plan to open a joint account, you’ll need all of the same information for the other person on the account. And don’t forget, a $1,000 minimum opening balance is required, which you can fund using a credit card, directly linking to a bank account using credentials, or transferring from an existing UBT account. If you plan to fund with more than $1,000, you’ll need credentials for the funding account or an existing UBT account.

Form of identification

Grab your driver’s license, passport, military ID, or state-issued ID.

Social Security number

Only U.S. citizens and permanent residents can apply online, so you’ll need to know your Social Security number or have your card handy.

Funding information

You’ll need your debit card, credit card, or online banking credentials for the bank account you’d like to fund from.