For some business owners, the limits placed on Certificates of Deposit (CDs) can prevent you from investing all that you’d like. First United gives you access to the Certificate of Deposit Account Registry Service, or CDARS. It’s the easiest and most convenient way to enjoy full deposit insurance on amounts well above FDIC limits.

Your investment is broken down into smaller amounts and placed in CDs with other banks that are members of a special network. Now you can enjoy the investing power of multiple banks without negotiating multiple rates or dealing with the hassle of multiple maturity dates.

  • Invest more than the FDIC Certificate of Deposit limit
  • Earn one convenient interest rate
  • First United handles your investment with other banks
  • You receive one regular account statement
contact usfind a business banker
"They provide us not only with loans for our buildings and properties and a line of credit to do business with, but they’ve helped us with recommending other things we can do to make our business more profitable." - Dave Demaree, Demaree Inflatable Boats, Inc



Some customers have reported receiving text message alerts, stating that their debit card has been "blocked" and that they need to reply to the text message with their full debit card number. This is a phishing attempt and you should never enter your card information or any other private personal information into a text message or email.

Please know that First United will never ask you for confidential or private information through text, email or social media channels. If you are ever unsure about a communication from the Bank, please contact our Customer Care Center directly at 1-888-692-2654.