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Union Bank Grand Rapids, MI Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Union Bank Grand Rapids, MI's top rates as of October 11, 2026 are 4.16% APY on its 13-Month CD, 2.53% APY on savings, 3.56% APY on money market accounts, and 0.25% APY on checking, according to rates verified by MonitorBankRates. Other Union Bank Grand Rapids, MI CD rates include Business Certificate of Deposit (CD) - 13-Month at 4.16%, 12-Month CD at 3.96%, and Business Certificate of Deposit (CD) - 12-Month at 3.96%. MonitorBankRates evaluates the financial stability of Union Bank Grand Rapids, MI with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.25%. Rates last updated and verified on 10/11/2026.

Union Bank Grand Rapids, MI 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 Bank Grand Rapids, MI? Share your experience about Union Bank Grand Rapids, MI by leaving a review below, or read customer reviews before you decide to use Union Bank Grand Rapids, MI.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.25%
Excellent Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Union Bank
670 Cascade West Pkwy Se
Grand Rapids, MI 49546
https://www.ubmich.com
MemberFDIC
Customer Reviews
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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 Bank Grand Rapids, MI CD Rates

Product Rate APY Term View More
13 month CD - 4.16% 13 month
Min Deposit $500
Details Interest rates determined by Union Bank. Your certificate will renew for the same term, at the interest rate in effect at the time of maturity, if you do not redeem it. Interest earned may be added back to the certificate, paid by check or deposited in a checking or savings account. There is a 10-day grace period after the maturity date in which withdrawals or deposits can be made. Withdrawals made after the 10th day will be assessed a penalty. Certificates of Deposit opened online do not qualify for Class Act Club special interest rate increases. Penalty for early withdrawal on Certificates of Deposit. Minimum $500 deposit to open a new account. At maturity, the 13-Month Special CD will automatically renew as Union Bank's standard 12-Month CD unless funds are withdrawn during the grace period. Promotional offer subject to change or discontinuation at any time without notice.
Last Updated 10/11/2026
Rate History
No change since Oct 3, 2026 · 4.16% APY · checked 4 times
3.66%4.16%4.66%Oct 3, 2026: 4.16% APYOct 3, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
12 month CD - 3.96% 12 month
Min Deposit $500
Details Interest rates determined by Union Bank. Your certificate will renew for the same term, at the interest rate in effect at the time of maturity, if you do not redeem it. Interest earned may be added back to the certificate, paid by check or deposited in a checking or savings account. There is a 10-day grace period after the maturity date in which withdrawals or deposits can be made. Withdrawals made after the 10th day will be assessed a penalty. Certificates of Deposit opened online do not qualify for Class Act Club special interest rate increases. Penalty for early withdrawal on Certificates of Deposit. Minimum $500 deposit to open a new account. At maturity, the 13-Month Special CD will automatically renew as Union Bank's standard 12-Month CD unless funds are withdrawn during the grace period. Promotional offer subject to change or discontinuation at any time without notice.
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 8 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
9 Month CD - 3.77% 9 Month
Min Deposit $500
Details Interest rates determined by Union Bank. Your certificate will renew for the same term, at the interest rate in effect at the time of maturity, if you do not redeem it. Interest earned may be added back to the certificate, paid by check or deposited in a checking or savings account. There is a 10-day grace period after the maturity date in which withdrawals or deposits can be made. Withdrawals made after the 10th day will be assessed a penalty. Certificates of Deposit opened online do not qualify for Class Act Club special interest rate increases. Penalty for early withdrawal on Certificates of Deposit. Minimum $500 deposit to open a new account. At maturity, the 13-Month Special CD will automatically renew as Union Bank's standard 12-Month CD unless funds are withdrawn during the grace period. Promotional offer subject to change or discontinuation at any time without notice.
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 3.77% APY · checked 8 times
3.27%3.77%4.27%Sep 11, 2026: 3.77% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
182 Day CD - 3.02% 182 Day
Min Deposit $500
Details Interest rates determined by Union Bank. Your certificate will renew for the same term, at the interest rate in effect at the time of maturity, if you do not redeem it. Interest earned may be added back to the certificate, paid by check or deposited in a checking or savings account. There is a 10-day grace period after the maturity date in which withdrawals or deposits can be made. Withdrawals made after the 10th day will be assessed a penalty. Certificates of Deposit opened online do not qualify for Class Act Club special interest rate increases. Penalty for early withdrawal on Certificates of Deposit. Minimum $500 deposit to open a new account. At maturity, the 13-Month Special CD will automatically renew as Union Bank's standard 12-Month CD unless funds are withdrawn during the grace period. Promotional offer subject to change or discontinuation at any time without notice.
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 3.02% APY · checked 8 times
2.52%3.02%3.52%Sep 11, 2026: 3.02% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
60 Month Certificate of Deposit - 1.25% 60 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 19, 2026: 1.25% APYSep 19, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
15 Month Certificate of Deposit - 1.00% 15 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
18 Month Certificate of Deposit - 1.00% 18 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
24 Month Certificate of Deposit - 1.00% 24 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
30 Month Certificate of Deposit - 1.00% 30 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
36 Month Certificate of Deposit - 1.00% 36 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
45 Month Certificate of Deposit - 1.00% 45 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
48 Month Certificate of Deposit - 1.00% 48 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
91 Day Certificate of Deposit - 0.10% 91 Day
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%

Union Bank Grand Rapids, MI Business CD Rates

Product Rate APY Term View More
Business Certificate of Deposit (CD) - 13 Month - 4.16% 13 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 7, 2026: 4.16% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 12 Month - 3.96% 12 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 9 Month - 3.77% 9 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 3.77% APY · checked 3 times
3.27%3.77%4.27%Sep 11, 2026: 3.77% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 182 Day - 3.02% 182 Day
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 3.02% APY · checked 3 times
2.52%3.02%3.52%Sep 11, 2026: 3.02% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 60 Month - 1.25% 60 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 11, 2026: 1.25% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 15 Month - 1.00% 15 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 18 Month - 1.00% 18 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 24 Month - 1.00% 24 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 30 Month - 1.00% 30 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 36 Month - 1.00% 36 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 45 Month - 1.00% 45 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 48 Month - 1.00% 48 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 91 Day - 0.10% 91 Day
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%

Union Bank Grand Rapids, MI Savings Rates

Product Rate APY View More
Universal Savings - 2.53%
Min Deposit $50
Min Balance $1,000,000
Details Balance $1,000,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 11, 2026: 2.53% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Youth Savings - 2.02%
Min Deposit $5
Min Balance $5,000
Details Balance $5,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 11, 2026: 2.02% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Universal Savings - 2.02%
Min Deposit $50
Min Balance $200,000
Details Balance $200,000 to $999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 11, 2026: 2.02% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Youth Savings - 1.51%
Min Deposit $5
Min Balance $2,000
Details Balance $2,000 to $4,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 11, 2026: 1.51% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Universal Savings - 1.51%
Min Deposit $50
Min Balance $25,000
Details Balance $25,000 to $199,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 11, 2026: 1.51% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Youth Savings - 1.00%
Min Deposit $5
Min Balance $0
Details Balance: $0 to $1,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Universal Savings - 1.00%
Min Deposit $50
Min Balance $0
Details Balance: $0 to $24,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Christmas Club Electronic - 0.10%
Min Deposit $1
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Christmas Club Coupon Book - 0.05%
Min Deposit $1
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 11, 2026: 0.05% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%

Union Bank Grand Rapids, MI Business Savings Rates

Product Rate APY View More
UB Business Savings - 2.53%
Min Deposit $100
Min Balance $1,000,000
Details Balance: Balance $1,000,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 11, 2026: 2.53% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Business Savings - 2.02%
Min Deposit $100
Min Balance $500,000
Details Balance: Balance $500,000 to $999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 11, 2026: 2.02% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Business Savings - 1.51%
Min Deposit $100
Min Balance $250,000
Details Balance: Balance $250,000 to $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 11, 2026: 1.51% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Business Savings - 1.00%
Min Deposit $100
Min Balance $0
Details Balance: Balance of $0 to $249,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%

Union Bank Grand Rapids, MI Money Market Rates

Product Rate APY View More
Universal Money Market - 3.56%
Min Deposit $100
Min Balance $1,000,000
Details Balance: $1,000,000 and above
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 11, 2026: 3.56% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Universal Money Market - 2.53%
Min Deposit $100
Min Balance $500,000
Details Balance: $500,000 to $999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 2.53% APY · checked 3 times
2.03%2.53%3.03%Sep 11, 2026: 2.53% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Universal Money Market - 2.02%
Min Deposit $100
Min Balance $250,000
Details Balance: $250,000 to $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Sep 11, 2026: 2.02% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Universal Money Market - 1.51%
Min Deposit $100
Min Balance $0
Details Balance: $0 to $249,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 11, 2026: 1.51% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%

Union Bank Grand Rapids, MI Business Money Market Rates

Product Rate APY View More
UB Business Money Market - 3.56%
Min Deposit $100
Min Balance $1,000,000
Details Balance $1,000,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 3.56% APY · checked 8 times
3.06%3.56%4.06%Sep 11, 2026: 3.56% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Business Money Market - 2.53%
Min Deposit $100
Min Balance $500,000
Details Balance $500,000 to $999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 11, 2026: 2.53% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Business Money Market - 2.02%
Min Deposit $100
Min Balance $250,000
Details Balance $250,000 to $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 11, 2026: 2.02% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Business Money Market - 1.51%
Min Deposit $100
Min Balance $0
Details Balance: $0 to $249,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 11, 2026: 1.51% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%

Union Bank Grand Rapids, MI Checking Rates

Product Rate APY View More
Universal Premium Checking - 0.25%
Min Deposit $50
Min Balance $1,000,000
Details Balance: $1,000,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 11, 2026: 0.25% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Universal Premium Checking - 0.20%
Min Deposit $50
Min Balance $200,000
Details Balance: $200,000 to $999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Universal Premium Checking - 0.15%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 to $199,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 11, 2026: 0.15% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Universal Premium Checking - 0.10%
Min Deposit $50
Min Balance $0
Details Balance: $0 to $24,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%

Union Bank Grand Rapids, MI Business Checking Rates

Product Rate APY View More
Business UB Community checking - 0.10%
Min Deposit $100
Min Balance $500,000
Details Balance $500,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business UB Community checking - 0.05%
Min Deposit $100
Min Balance $250,000
Details Balance $250,000 to $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 11, 2026: 0.05% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
Business UB Community checking - 0.01%
Min Deposit $100
Min Balance $0
Details Balance: $0 to $249,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 11, 2026: 0.01% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%

Union Bank Grand Rapids, MI Other Rates

Product Rate Points APY/APR Term View More
UB Business Elite - - 0.10%
Min Deposit $100
Min Balance $0
Details Balance: Balance of $0 to $249,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Business Elite - - 0.15%
Min Deposit $100
Min Balance $250,000
Details Balance: Balance $250,000 to $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 11, 2026: 0.15% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Business Elite - - 0.20%
Min Deposit $100
Min Balance $500,000
Details Balance: Balance $500,000 to $999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
UB Business Elite - - 0.25%
Min Deposit $100
Min Balance $1,000,000
Details Balance: Balance $1,000,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 11, 2026: 0.25% APYSep 11, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.25%
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 Bank Grand Rapids, MI’s Texas Ratio fell from 13.86% in Q3 2023 to 10.25% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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.

0% 1.0★ 7% 2.0★ 14% 3.0★ 21% 4.0★ 28% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 13.86% A Q3 2023 A+ Q4 2023 A+ Q1 2024 A Q2 2024 A- Q3 2024 B Q4 2024 B+ Q1 2025 B Q2 2025 A- Q3 2025 A Q4 2025 A Q1 2026 10.25% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$397M10.25%5.0A
March 31, 2026$381M10.69%5.0A
December 31, 2025$391M10.80%5.0A
September 30, 2025$380M16.48%4.9A-
June 30, 2025$382M20.24%4.6B
March 31, 2025$367M18.77%4.7B+
December 31, 2024$379M20.99%4.5B
September 30, 2024$364M15.35%5.0A-
June 30, 2024$353M7.24%5.0A
March 31, 2024$344M0.92%5.0A+
December 31, 2023$343M3.20%5.0A+
September 30, 2023$334M13.86%5.0A
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 Bank Grand Rapids, MI 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 Bank Grand Rapids, MI 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 Bank Grand Rapids, MI's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Union Bank Grand Rapids, MI
Bank Holding Company UNION FINANCIAL CORP
Address 670 Cascade West Pkwy Se, Grand Rapids, MI 49546  ·  Kent
Website https://www.ubmich.com
FDIC Certificate # 14722
Established 19340101
FDIC Insurance Date 19340904
Domestic Offices 9
Total Branches 9
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 95/100
5.0
Exceptional Out of 5.0 Stars
10.25%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.7523%
Return on Equity (ROE) 9.0300%
Non-Performing Loans (NPL) 0.86%
Total Assets $396,664,000
Total Deposits $313,479,000
Equity Capital $33,406,000
Net Income $1,465,000
Headquarters Grand Rapids
Total Branches and Offices 9
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Union Bank Grand Rapids, MI 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.

<a href="https://monitorbankrates.com/banks/union-bank-grand-rapids-mi-rates-review-14722">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Union Bank Grand Rapids, MI

How many branches does Union Bank Grand Rapids, MI operate?

Union Bank Grand Rapids, MI 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 Bank Grand Rapids, MI 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 Bank Grand Rapids, MI provides members with tools to manage their accounts and build a solid financial history.

Does Union Bank Grand Rapids, MI offer online and mobile banking?

Most modern institutions like Union Bank Grand Rapids, MI 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.ubmich.com.

Current Union Bank Grand Rapids, MI Rates

  • 12-Month CD3.96%
  • 18-Month CD1.00%
  • 24-Month CD1.00%
  • 36-Month CD1.00%
  • 48-Month CD1.00%
  • 60-Month CD1.25%
  • Savings2.53%
  • MMA3.56%
Retrieved from our database of financial products. Rates subject to change.

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