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Union Bank Morrisville, VT

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Union Bank Morrisville, VT Rates & Review November 2026

Q: What are the current interest rates at Union Bank Morrisville, VT?

Current rates for Union Bank Morrisville, VT include: 12-Month CD: 3.51%, 24-Month CD: 3.41%, 36-Month CD: 3.46%, 48-Month CD: 3.66%, 60-Month CD: 3.71%, Savings: 0.10%, MMA: 0.55%

Q: What CD terms does Union Bank Morrisville, VT offer?

Union Bank Morrisville, VT CD rates are 3.51% APY for a 12 month CD, 3.56% APY for a 2 year CD, 3.61% APY for a 3 year CD, 3.66% APY for a 4 year CD and 3.71% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Union Bank Morrisville, VT for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Union Bank Morrisville, VT's CD - 5 year rates are at 3.71%, CD - 4 year rates are at 3.66%, CD - 3 year rates are at 3.61%, CD - 2 year rates are at 3.56%, CD - 1 year rates are at 3.51%. Union Bank Morrisville, VT's savings rates are at 0.10%. Union Bank Morrisville, VT's money market rates are at 0.55%. Union Bank Morrisville, VT's checking rates are as high as 0.10%. Union Bank Morrisville, VT's 30 Year Fixed Rate MOVE Conventional rates are at 6.75%, 30 Yr Fixed Home First Conventional 80% AMI or Under rates are at 6.75%, Conventional 30 Year Fixed Rate rates are at 6.875%, Conventional 15 Year Fixed Rate rates are at 6.875%, Conventional 20 Year Fixed Rate rates are at 7.00%. Union Bank Morrisville, VT's top CD rate of 3.89% APY on a 13 month CD is 29% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Union Bank Morrisville, VT with a 4.8 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.30%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.8

Exceptional Out of 5.0 Stars

Texas Ratio

14.30%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Union Bank

20 Main St
Morrisville, VT 05661

https://www.ublocal.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 Bank Morrisville, VT CD Rates

Product	Rate	APY	Term	Min. Deposit
13-Month CD Special	3.82%	3.89%	13 Month	$1,000
Min Deposit $1,000 Details Opening Deposit: IRAs 1,000; Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.89% APY · checked 13 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
5-Year Jumbo CD	3.65%	3.71%	5 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
5-Year Jumbo IRA CD	3.65%	3.71%	5 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CD - 5-year	3.65%	3.71%	5 year	$500
Min Deposit $500 Details Opening Deposit: IRAs 500; Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.71% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
4-Year Jumbo CD	3.60%	3.66%	4 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
4-Year Jumbo IRA CD	3.60%	3.66%	4 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CD - 4-year	3.60%	3.66%	4 year	$500
Min Deposit $500 Details Opening Deposit: IRAs 500; Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.66% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
3-Year Jumbo CD	3.55%	3.61%	3 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
3-Year Jumbo IRA CD	3.55%	3.61%	3 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CD - 3-year	3.55%	3.61%	3 year	$500
Min Deposit $500 Details Opening Deposit: IRAs 500; Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.61% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
2-Year Jumbo CD	3.50%	3.56%	2 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
2-Year Jumbo IRA CD	3.50%	3.56%	2 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CD - 2-year	3.50%	3.56%	2 year	$500
Min Deposit $500 Details Opening Deposit: IRAs 500; Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.56% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
1-Year Jumbo CD	3.45%	3.51%	1 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.51% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
1-Year Jumbo IRA CD	3.45%	3.51%	1 year	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.51% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CD - 1-year	3.45%	3.51%	1 year	$500
Min Deposit $500 Details Opening Deposit: IRAs 500; Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.51% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CDARS CD & IRAs - 156 week (~3-year)	3.40%	3.46%	156 week	$250,000
Min Deposit $250,000 Details Opening Deposit: IRAs 250,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.46% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CDARS CD & IRAs - 104 week (~2-year)	3.35%	3.41%	104 week	$250,000
Min Deposit $250,000 Details Opening Deposit: IRAs 250,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.41% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
6-Month Jumbo CD	3.30%	3.35%	6 Month	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
6-Month Jumbo IRA CD	3.30%	3.35%	6 Month	$100,000
Min Deposit $100,000 Details Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CDARS CD & IRAs - 52 week	3.30%	3.35%	52 week	$250,000
Min Deposit $250,000 Details Opening Deposit: IRAs 250,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.35% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CD - 6-Month	3.30%	3.35%	6 Month	$1,000
Min Deposit $1,000 Details Opening Deposit: IRAs 500; Rates effective as of 10/14/26 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.35% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
CDARS CD & IRAs - 26 week	3.10%	3.15%	26 week	$250,000
Min Deposit $250,000 Details Opening Deposit: IRAs 250,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.15% APY · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Savings Rates

Product	Rate	APY
Statement Savings	0.10%	0.10%
Min Balance $500,000 Details Balance: 500,000+ Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Save for Success Savings	0.05%	0.05%
Min Balance $1 Details Balance: 1.00+; For Save for Success, there is no initial deposit required Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Statement Savings	0.05%	0.05%
Min Balance $100,000 Details Balance: 100,000-499,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Statement Savings	0.02%	0.02%
Min Balance $1 Details Balance: 1-99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Money Market Rates

Product	Rate	APY
Money Market	0.55%	0.55%
Min Balance $500,000 Details Balance: 500,000+ Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market	0.45%	0.45%
Min Balance $250,000 Details Balance: 250,000-499,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market	0.35%	0.35%
Min Balance $100,000 Details Balance: 100,000-249,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market	0.25%	0.25%
Min Balance $50,000 Details Balance: 50,000-99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market	0.15%	0.15%
Min Balance $10,000 Details Balance: 10,000-49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market	0.10%	0.10%
Min Balance $1,000 Details Balance: 1,000-9,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Money Market	0.00%	0.00%
Min Balance $0 Details Balance: 0-999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 10 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Checking Rates

Product	Rate	APY
HSA Checking	0.10%	0.10%
Min Balance $250,000 Details Balance: 250,000+ Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
HSA Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: 1,000-249,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Basic Advantage, Advantage Checking & Advantage Checking Plus	0.00%	0.00%
Min Balance $0 Details Balance: 0-999 Last Updated 11/05/2026 Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
HSA Checking	0.00%	0.00%
Min Balance $0 Details Balance: 0 to 999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 12 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Business Checking Rates

Product	Rate	APY
UB 55, Business Checking with Interest	0.10%	0.10%
Min Balance $250,000 Details Balance: 250,000+ Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 11 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
UB 55, Business Checking with Interest	0.05%	0.05%
Min Balance $1,000 Details Balance: 1000-249,999 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
UB 55, Business Checking with Interest	0.00%	0.00%
Min Balance $0 Details Balance: 0-999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 10 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Mortgage Rates

Product	Rate	Points	APR	Term
30 Year Fixed Rate MOVE Conventional	6.75%	0	6.854%	30 years
Details VHFA (Vermont Housing Finance Agency) Saleable Mortgage Loans for Primary Residences-Servicing Released Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.10% → 6.85% ▲ 0.75 pts · high 6.85% / low 6.10% Oct 20, 20266.85%▲ from 6.60% Oct 1, 20266.60%▲ from 6.10% Sep 15, 20266.10%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
30 Yr Fixed Home First Conventional 80% AMI or Under	6.75%	0	6.87%	30 years
Details NHHFA (New Hampshire Housing Finance Agency) Saleable Mortgage Loans for Primary Residences-Servicing Released Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 6.62% → 6.87% ▲ 0.25 pts · high 7.12% / low 6.62% Oct 31, 20266.87%▼ from 7.12% Oct 7, 20267.12%▲ from 7.00% Oct 3, 20267.00%▼ from 7.12% Oct 1, 20267.12%▲ from 6.74% Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Conventional 30 Year Fixed Rate	6.875%	0	6.928%	30 years
Details Conventional Saleable Mortgage Loans for 1-4 unit Residential Dwellings - Servicing Retained Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.93% APR Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Conventional 15 Year Fixed Rate	6.875%	0	6.962%	15 years
Details Conventional Saleable Mortgage Loans for 1-4 unit Residential Dwellings - Servicing Retained Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.96% APR Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Conventional 20 Year Fixed Rate	7.00%	0	7.07%	20 years
Details Conventional Saleable Mortgage Loans for 1-4 unit Residential Dwellings - Servicing Retained Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.07% APR Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
30 Year Fixed Rate RD	6.625%	0	7.075%	30 Year
Details Saleable Mortgage Loans for 1-4 unit Residential Dwellings - Servicing Released Last Updated 11/05/2026 Rate History 3 changes since Sep 27, 2026 · 7.45% → 7.08% ▼ 0.38 pts · high 7.58% / low 7.08% Oct 31, 20267.08%▼ from 7.45% Oct 11, 20267.45%▼ from 7.58% Oct 7, 20267.58%▲ from 7.45% Sep 27, 20267.45%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
30 Year Fixed Rate VA	6.99%	0	7.113%	30 Year
Details Saleable Mortgage Loans for 1-4 unit Residential Dwellings - Servicing Released Last Updated 11/05/2026 Rate History 2 changes since Sep 27, 2026 · 7.63% → 7.11% ▼ 0.51 pts · high 7.63% / low 7.11% Oct 31, 20267.11%▼ from 7.25% Oct 14, 20267.25%▼ from 7.63% Sep 27, 20267.63%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
30 Year Fixed Rate Jumbo	7.125%	0	7.14%	30 Year
Details Saleable Mortgage Loans for 1-4 unit Residential Dwellings - Servicing Released Last Updated 11/05/2026 Rate History 2 changes since Sep 27, 2026 · 7.52% → 7.14% ▼ 0.38 pts · high 7.52% / low 7.14% Oct 31, 20267.14%▼ from 7.39% Oct 14, 20267.39%▼ from 7.52% Sep 27, 20267.52%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
30 Year Fixed Rate FHA	6.625%	0	7.152%	30 Year
Details Saleable Mortgage Loans for 1-4 unit Residential Dwellings - Servicing Released Last Updated 11/05/2026 Rate History 3 changes since Sep 27, 2026 · 7.53% → 7.15% ▼ 0.38 pts · high 7.66% / low 7.15% Oct 31, 20267.15%▼ from 7.53% Oct 11, 20267.53%▼ from 7.66% Oct 7, 20267.66%▲ from 7.53% Sep 27, 20267.53%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
30 Year Fixed Rate Advantage Conventional	7.25%	0	7.357%	30 years
Details VHFA (Vermont Housing Finance Agency) Saleable Mortgage Loans for Primary Residences-Servicing Released Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.60% → 7.36% ▲ 0.75 pts · high 7.36% / low 6.60% Oct 20, 20267.36%▲ from 7.11% Oct 1, 20267.11%▲ from 6.60% Sep 15, 20266.60%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
30 Year Fixed Rate MOVE RD, VA, FHA	6.75%	0	7.399%	30 years
Details VHFA (Vermont Housing Finance Agency) Saleable Mortgage Loans for Primary Residences-Servicing Released Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.64% → 7.40% ▲ 0.76 pts · high 7.40% / low 6.64% Oct 20, 20267.40%▲ from 7.14% Oct 1, 20267.14%▲ from 6.64% Sep 15, 20266.64%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
30 Year Fixed Rate Advantage RD, VA, FHA	7.00%	0	7.653%	30 years
Details VHFA (Vermont Housing Finance Agency) Saleable Mortgage Loans for Primary Residences-Servicing Released Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.89% → 7.65% ▲ 0.76 pts · high 7.65% / low 6.89% Oct 20, 20267.65%▲ from 7.40% Oct 1, 20267.40%▲ from 6.89% Sep 15, 20266.89%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Home Equity & HELOC

Product	Rate	Points	APR	Term
Encore Home Equity Line of Credit for Primary Residences	6.00%	0	6.00%	10 Year
Details Term: 10 Year Draw/10 Year Repay; Rate fixed for six months at 6.00%, then adjusts quarterly from month six at WSJ Prime minus 0.25%, floor 5.00%, maximum 18.00%; maximum APR 18%; loan-to-value 80% unless otherwise noted Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Oct 14, 20266.00%▲ from 5.75% Sep 15, 20265.75%first recorded Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Home Equity Loan - 5 Year Fixed	6.50%	0	6.596%	5 Year
Details Home Equity Loans for Primary and Secondary Residences; Payment per $1000 not extracted; 0.25% reduction in rate with UB auto pay (footnote) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.60% APR · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Home Equity Loan - 10 Year Fixed	7.50%	0	7.607%	10 Year
Details Home Equity Loans for Primary and Secondary Residences; Payment per $1000 not extracted; 0.25% reduction in rate with UB auto pay (footnote) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.61% APR · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
Home Equity Loan - 15 Year Fixed	7.99%	0	8.071%	15 Year
Details Home Equity Loans for Primary and Secondary Residences; Payment per $1000 not extracted; 0.25% reduction in rate with UB auto pay (footnote) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 8.07% APR · checked 5 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Other Rates

Product	Rate	Points	APY/APR	Term
30 Yr Fixed Home First Government	6.50%	0	7.072%	30 years
Details NHHFA (New Hampshire Housing Finance Agency) Saleable Mortgage Loans for Primary Residences-Servicing Released Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 6.57% → 7.07% ▲ 0.51 pts · high 7.45% / low 6.57% Oct 31, 20267.07%▼ from 7.33% Oct 11, 20267.33%▼ from 7.45% Oct 7, 20267.45%▲ from 7.33% Oct 1, 20267.33%▲ from 6.69% Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%
B.U.I.L.D. Construction Loan - 12 Month Fixed Rate	8.25%	0	9.656%	12 Month
Details Interest only payments required monthly based on the amount of the loan outstanding during the prior month; Points (%): 0 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.66% APR · checked 6 times Institution Ratings 4.8 Star Rating A- Health Grade ◈ Texas Ratio: 14.30%

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.

Financial Health History

Union Bank Morrisville, VT’s Texas Ratio rose from 3.26% in Q3 2023 to 14.30% 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 2.7 to 4.8 and its Health Grade from C 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	$1.6B	14.30%	4.8	A-
March 31, 2026	$1.6B	13.83%	3.9	B-
December 31, 2025	$1.6B	14.23%	4.0	B-
September 30, 2025	$1.6B	14.09%	3.9	B-
June 30, 2025	$1.5B	17.64%	3.6	C+
March 31, 2025	$1.5B	17.50%	3.4	C
December 31, 2024	$1.5B	2.30%	3.4	B-
September 30, 2024	$1.5B	2.13%	3.8	B
June 30, 2024	$1.4B	2.30%	3.7	B
March 31, 2024	$1.4B	2.35%	3.6	B
December 31, 2023	$1.5B	2.35%	3.6	B
September 30, 2023	$1.4B	3.26%	2.7	C

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 Morrisville, VT 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 Morrisville, VT 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 Morrisville, VT's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Union Bank Morrisville, VT

Website https://www.ublocal.com

Address 20 Main St, Morrisville, VT 05661 · Lamoille

Bank Holding Company UNION BANKSHARES INC

FDIC Certificate # 14158

Regulator FDIC

Established January 1, 1891

FDIC Insurance Date March 31, 1934

Domestic Offices 21

Total Branches 21

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.8 / 5.0 ★

Overall Health & Safety Grade

A- (91/100)

Texas Ratio

14.30%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8009%

Return on Equity (ROE)

12.8300%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

$1,558,133,000

Total Deposits

$1,100,008,000

Equity Capital

$106,075,000

Net Income

$6,406,000

Headquarters

Morrisville

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Union Bank Morrisville, VT earned the Verified Healthy badge

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Frequently Asked Questions About Union Bank Morrisville, VT

Does Union Bank Morrisville, VT offer CDs?

Yes. Union Bank Morrisville, VT current CD rates include its CD - 5 year at 3.71% APY, its CD - 4 year at 3.66% APY and its CD - 3 year at 3.61% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Union Bank Morrisville, VT FDIC insured?

Yes. Union Bank Morrisville, VT is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Union Bank Morrisville, VT?

The highest Union Bank Morrisville, VT CD rate is its 13-Month CD Special at 3.89% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Union Bank Morrisville, VT offer?

Union Bank Morrisville, VT CD rates are 3.51% APY for a 12 month CD, 3.56% APY for a 2 year CD, 3.61% APY for a 3 year CD, 3.66% APY for a 4 year CD and 3.71% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Union Bank Morrisville, VT for its full lineup.

What is the highest savings rate at Union Bank Morrisville, VT?

The highest Union Bank Morrisville, VT savings rate is its Statement Savings at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Union Bank Morrisville, VT?

The highest Union Bank Morrisville, VT money market rate is its Money Market at 0.55% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Union Bank Morrisville, VT?

The highest Union Bank Morrisville, VT checking rate is its HSA Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Union Bank Morrisville, VT?

The lowest Union Bank Morrisville, VT 30 year fixed mortgage rate is its 30 Year Fixed Rate RD at 6.625%, verified by MonitorBankRates as of November 5, 2026. Union Bank Morrisville, VT mortgage rates are 6.625% for a 30 year mortgage, 7.00% for a 20 year mortgage and 6.875% for a 15 year mortgage.

How many branches does Union Bank Morrisville, VT operate?

Union Bank Morrisville, VT currently maintains approximately 21 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 Morrisville, VT 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 Morrisville, VT provides members with tools to manage their accounts and build a solid financial history.

Does Union Bank Morrisville, VT offer online and mobile banking?

Most modern institutions like Union Bank Morrisville, VT 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.ublocal.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Union Bank Morrisville, VT rates compare?

Union Bank Morrisville, VT's top CD rate of 3.89% APY on a 13 month CD is 29% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A- health rating. Union Bank Morrisville, VT's top rates are its 13-Month CD Special at 3.89% APY, its Statement Savings at 0.10% APY, its Money Market at 0.55% APY, its HSA Checking at 0.10% APY and its 30 Year Fixed Rate RD at 6.625%, verified by MonitorBankRates on November 5, 2026.

Current Union Bank Morrisville, VT Rates

12-Month CD3.51%
24-Month CD3.41%
36-Month CD3.46%
48-Month CD3.66%
60-Month CD3.71%
Savings0.10%
MMA0.55%

Retrieved from our database of financial products. Rates subject to change.

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Union Bank Morrisville, VT Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Union Bank Morrisville, VT Texas Ratio

Union Bank Morrisville, VT Health Trend

Union Bank Morrisville, VT CD Rates

Union Bank Morrisville, VT Savings Rates

Union Bank Morrisville, VT Money Market Rates

Union Bank Morrisville, VT Checking Rates

Union Bank Morrisville, VT Business Checking Rates

Union Bank Morrisville, VT Mortgage Rates

Union Bank Morrisville, VT Home Equity & HELOC

Union Bank Morrisville, VT Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Union Bank Morrisville, VT earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Union Bank Morrisville, VT

Does Union Bank Morrisville, VT offer CDs?

Are CDs from Union Bank Morrisville, VT FDIC insured?

What is the highest CD rate at Union Bank Morrisville, VT?

What CD terms does Union Bank Morrisville, VT offer?

What is the highest savings rate at Union Bank Morrisville, VT?

What is the highest money market rate at Union Bank Morrisville, VT?

What is the highest checking rate at Union Bank Morrisville, VT?

What is the lowest 30 year fixed mortgage rate at Union Bank Morrisville, VT?

How many branches does Union Bank Morrisville, VT operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Union Bank Morrisville, VT offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Union Bank Morrisville, VT rates compare?

Current Union Bank Morrisville, VT Rates

Compare to Other Banks