What are the current interest rates at Mercantile Bank, div of United Community Bank?

Current rates for Mercantile Bank, div of United Community Bank include:

Mercantile Bank, div of United Community Bank Rates and Review February 2026

Content reviewed by

Brian McKay

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Mercantile Bank, div of United Community Bank Deposit Rates

You can compare Mercantile Bank, div of United Community Bank rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 3.56% and 3-month CD rates at 0.30%. Savings rates are at 0.05% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 6.22%. All these rates, and more, can be found in our database of rates which you can compare to Mercantile Bank, div of United Community Bank rates.

Rate Updates and Availability

Mercantile Bank, div of United Community Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mercantile Bank, div of United Community Bank? Share your experience about Mercantile Bank, div of United Community Bank by leaving a review below, or read customer reviews before you decide to use Mercantile Bank, div of United Community Bank.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Mercantile Bank, div of United Community Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Overall, Mercantile Bank, div of United Community Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Current Rate Availability

We do not have Mercantile Bank, div of United Community Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Mercantile Bank, div of United Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Mercantile Bank, div of United Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Mercantile Bank, div of United Community Bank's official website for the most current offers and terms.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Mercantile Bank, div of United Community Bank

How do I open an account at Mercantile Bank, div of United Community Bank?

You can typically open an account at Mercantile Bank, div of United Community Bank by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, Mercantile Bank, div of United Community Bank provides a range of mortgage and home equity products.

Is Mercantile Bank, div of United Community Bank a safe place to deposit money?

Yes, Mercantile Bank, div of United Community Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.