United Community Bank, a subsidiary of United Community Banks, serves the communities in the Southeast through a range of financial services and products. The bank has been in business for more than 60 years and offers different types of savings, checking and individual retirement accounts, as well as trust, advisory and credit services. Its full-service retail mortgage lending division, United Community Mortgage Services, is approved as a seller and servicer for Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) and provides fixed and adjustable-rate home mortgages. The bank owns an insurance agency, United Community Insurance Services. It also owns a captive insurance subsidiary, United Community Risk Management Services that provides risk management services for United Community Bank and its subsidiaries.