What are the current interest rates at Union State Bank of Everest?

Current rates for Union State Bank of Everest include: 12-Month CD: 4.00%, 24-Month CD: 4.10%, 36-Month CD: 3.50%, 48-Month CD: 3.50%

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Union State Bank of Everest

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Union State Bank of Everest Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Union State Bank of Everest 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 and Verified: October 7, 2026

Union State Bank of Everest's top rates as of October 7, 2026 are 4.10% APY on its 2 year Certificate of Deposit (CD), and 3.00% APY on checking, according to rates verified by MonitorBankRates. Other Union State Bank of Everest CD rates include 1 year Certificate of Deposit (CD) at 4.00%, 182 Day Certificate of Deposit (CD) at 3.80%, and 91 Day Certificate of Deposit (CD) at 3.80%. MonitorBankRates evaluates the financial stability of Union State Bank of Everest with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.97%. Rates last updated and verified on 10/07/2026.

Union State Bank of Everest 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 Union State Bank of Everest? Share your experience about Union State Bank of Everest by leaving a review below, or read customer reviews before you decide to use Union State Bank of Everest.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.97%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The Union State Bank of Everest

545 Main St
Everest, KS 66424

https://www.mybankusb.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Union State Bank of Everest CD Rates

Product	Rate	APY	Term
2 year Certificate of Deposit (CD)	4.04%	4.10%	2 year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 7, 2026 · 3.35% → 4.10% ▲ 0.75 pts · high 4.10% / low 3.35% Sep 27, 20264.10%▲ from 3.35% Sep 7, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
1 year Certificate of Deposit (CD)	3.94%	4.00%	1 year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 7, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Sep 27, 20264.00%▲ from 3.80% Sep 7, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
182 Day Certificate of Deposit (CD)	3.75%	3.80%	182 Day
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Sep 27, 20263.80%▲ from 3.70% Sep 19, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
91 Day Certificate of Deposit (CD)	3.75%	3.80%	91 Day
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Sep 27, 20263.80%▲ from 3.70% Sep 19, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
3 year Certificate of Deposit (CD)	3.455%	3.50%	3 year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 7, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Sep 27, 20263.50%▲ from 3.00% Sep 7, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
4 year Certificate of Deposit (CD)	3.455%	3.50%	4 year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 7, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Sep 27, 20263.50%▲ from 3.00% Sep 7, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%

Union State Bank of Everest Savings Rates

Product	Rate	APY
REAL Saver	-	1.00%
Min Balance $0 Details Qualifications Required: 1.00% APY on balances up to $25,000; 0.50% APY on balances over $25,000; 0.05% APY when qualifications are not met; Balance: $0.01 - $25,000.00 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
REAL Saver	-	0.50%
Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
REAL Saver	-	0.05%
Details Balance: when qualifications are not met Last Updated 10/07/2026 Rate History 2 changes since Sep 7, 2026 · 1.00% → 0.05% ▼ 0.95 pts · high 1.00% / low 0.05% Sep 24, 20260.05%▼ from 0.50% Sep 19, 20260.50%▼ from 1.00% Sep 7, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%

Union State Bank of Everest Checking Rates

Product	Rate	APY
My Rewards Checking	-	3.00%
Min Balance $0 Details Qualifications Required: 3.00% APY on balances up to $25,000; 0.50% APY on balances over $25,000; 0.05% APY when qualifications are not met; Balance: $0.01 - $25,000.00 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 0.05% → 3.00% ▲ 2.95 pts · high 3.00% / low 0.05% Sep 24, 20263.00%▲ from 0.05% Sep 19, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
My Rewards Checking	-	0.50%
Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%
My Rewards Checking	-	0.05%
Details Balance: when qualifications are not met Last Updated 10/07/2026 Rate History 2 changes since Sep 7, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.50% / low 0.05% Sep 24, 20260.05%▼ from 0.50% Sep 19, 20260.50%▲ from 0.05% Sep 7, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.97%

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.
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Financial Health History

Union State Bank of Everest’s Texas Ratio rose from 2.77% in Q3 2023 to 7.97% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$427M	7.97%	5.0	A
March 31, 2026	$431M	10.16%	5.0	A
December 31, 2025	$437M	8.20%	5.0	A
September 30, 2025	$435M	8.45%	5.0	A
June 30, 2025	$426M	5.56%	5.0	A+
March 31, 2025	$422M	1.71%	5.0	A+
December 31, 2024	$427M	1.37%	5.0	A+
September 30, 2024	$418M	1.91%	5.0	A+
June 30, 2024	$413M	1.72%	5.0	A+
March 31, 2024	$408M	2.03%	5.0	A+
December 31, 2023	$412M	1.17%	5.0	A+
September 30, 2023	$415M	2.77%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Union State Bank of Everest 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 Union State Bank of Everest 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 Union State Bank of Everest's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Union State Bank of Everest

Bank Holding Company EVEREST BANCSHARES INC

Address 545 Main St, Everest, KS 66424 · Brown

Website https://www.mybankusb.com

FDIC Certificate # 18610

Established 19010805

FDIC Insurance Date 19541119

Domestic Offices 9

Total Branches 9

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.97%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6187%

Return on Equity (ROE) 16.6600%

Non-Performing Loans (NPL) 0.77%

Total Assets $427,293,000

Total Deposits $382,035,000

Equity Capital $43,185,000

Net Income $3,495,000

Headquarters Everest

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Union State Bank of Everest earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Frequently Asked Questions About Union State Bank of Everest

How many branches does Union State Bank of Everest operate?

Union State Bank of Everest currently maintains approximately 9 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, Union State Bank of Everest 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, Union State Bank of Everest provides members with tools to manage their accounts and build a solid financial history.

Does Union State Bank of Everest offer online and mobile banking?

Most modern institutions like Union State Bank of Everest 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.mybankusb.com.