Mercantile Bank, div of United Community Bank Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mercantile Bank, div of United Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare Mercantile Bank, div of United Community Bank rates to other rates in our database, including 12-month CD rates currently at 1.00%, 6-month CD rates at 3.65% and 3-month CD rates at 1.41%. Savings rates are at 0.75% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.84%. All these rates can be compared to Mercantile Bank, div of United Community Bank rates. MonitorBankRates evaluates the financial stability of Mercantile Bank, div of United Community Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Mercantile Bank, div of United Community Bank Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate	5.88%	-	5.95%
Details As Low As; *Select Check All Mortgage Rates for Details Last Updated 03/27/2026
10 Year Fixed Rate Mortgage	5.88%	-	5.99%	10 Year
No additional details. Last Updated 03/27/2026
20 Year Fixed Rate Mortgage	6.38%	-	6.44%	20 Year
No additional details. Last Updated 03/27/2026
30 Year Fixed Rate Mortgage	6.63%	-	6.67%	30 Year
No additional details. Last Updated 03/27/2026

Mercantile Bank, div of United Community Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	4.99%
Details Intro rate expires: 6 months; reduced closing costs *! Last Updated 03/27/2026

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

There are no reviews for Mercantile Bank, div of United Community Bank yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Mercantile Bank, div of United Community Bank

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

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 (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Mercantile Bank, div of United Community Bank operate?

Mercantile Bank, div of United Community Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Mercantile Bank, div of United Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mercantile Bank, div of United Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Mercantile Bank, div of United Community Bank offer online and mobile banking?

Most modern institutions like Mercantile Bank, div of United Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mercantilebk.com.