What are the current interest rates at Union Savings Bank (CT)?

Current rates for Union Savings Bank (CT) include: 12-Month CD: 0.35%, 18-Month CD: 0.45%, 24-Month CD: 0.50%, 36-Month CD: 0.50%, 48-Month CD: 0.55%, 60-Month CD: 0.60%

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Union Savings Bank (CT)

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Union Savings Bank (CT) Rates & Review September 2026

Q: How many branches does Union Savings Bank (CT) operate?

Union Savings Bank (CT) currently maintains approximately 26 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Union Savings Bank (CT) 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: September 18, 2026

Union Savings Bank (CT)'s 8-month CD rates are at 3.76%, 8-Month Promo rates are at 3.76%, 5-Month Promo rates are at 3.66%, 13-Month Promo rates are at 3.35%, 7-Month Flex CD rates are at 3.25%. MonitorBankRates evaluates the financial stability of Union Savings Bank (CT) with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.11%. Rates last updated and verified on 09/18/2026.

Union Savings Bank (CT) 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 Savings Bank (CT)? Share your experience about Union Savings Bank (CT) by leaving a review below, or read customer reviews before you decide to use Union Savings Bank (CT).

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.11%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Union Savings Bank

226 Main St
Danbury, CT 06810

https://www.unionsavings.com

Union Savings Bank (CT) CD Rates

Product	Rate	APY	Term
8-month CD	3.70%	3.76%	8-month
Min Deposit $1,000 Details Special Promotional CD Rates Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
8-Month Promo	3.70%	3.76%	8-Month
Details Special Promotional CD Rates Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
5-Month Promo	3.60%	3.66%	5-Month
Details Special Promotional CD Rates Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
13-Month Promo	3.30%	3.35%	13-Month
Details Special Promotional CD Rates Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
7-Month Flex CD	3.20%	3.25%	7-Month
Min Deposit $1,000 Details A flexible CD with a fixed rate and penalty-free withdrawals after 7 days.* Unlimited withdrawals after 7 days* Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
25-Month Promo	3.00%	3.04%	25-Month
Details Special Promotional CD Rates Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
54-Month Promo	2.95%	2.99%	54-Month
Details Special Promotional CD Rates Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
60 Month Certificate	0.60%	0.60%	60 MONTH
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
48 Month Certificate	0.55%	0.55%	48 MONTH
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
24 Month Certificate	0.50%	0.50%	24 MONTH
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
36 Month Certificate	0.50%	0.50%	36 MONTH
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
18 Month Certificate	0.45%	0.45%	18 MONTH
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
12 Month Certificate	0.35%	0.35%	12 MONTH
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
9 Month Certificate	0.30%	0.30%	9 MONTH
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
6 Month Certificate	0.25%	0.25%	6 MONTH
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%
91 Day Certificate	0.15%	0.15%	91 DAY
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.11%

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 Savings Bank (CT)’s Texas Ratio fell from 4.81% in Q3 2023 to 2.11% in Q2 2026, so its financial health has improved and is now very strong 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.

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	$3.3B	2.11%	5.0	A+
March 31, 2026	$3.3B	2.28%	5.0	A+
December 31, 2025	$3.3B	2.47%	5.0	A+
September 30, 2025	$3.2B	2.52%	5.0	A+
June 30, 2025	$3.2B	2.91%	5.0	A+
March 31, 2025	$3.1B	3.04%	5.0	A+
December 31, 2024	$3.1B	4.47%	5.0	A+
September 30, 2024	$3.1B	5.23%	5.0	A+
June 30, 2024	$3.0B	5.72%	5.0	A+
March 31, 2024	$3.0B	6.36%	5.0	A
December 31, 2023	$3.0B	6.56%	5.0	A
September 30, 2023	$3.1B	4.81%	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 Savings Bank (CT) 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 Savings Bank (CT) 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 Savings Bank (CT)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Union Savings Bank (CT)

Bank Holding Company USB BCORP INC

Address 226 Main St, Danbury, CT 06810 · Western Connecticut

Website https://www.unionsavings.com

FDIC Certificate # 18190

Established 18660701

FDIC Insurance Date 19600701

Domestic Offices 26

Total Branches 26

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.11%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8101%

Return on Equity (ROE) 8.3800%

Non-Performing Loans (NPL) 0.21%

Total Assets $3,303,137,000

Total Deposits $2,549,911,000

Equity Capital $326,183,000

Net Income $13,369,000

Headquarters Danbury

Total Branches and Offices 26

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Union Savings Bank (CT) earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 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 Savings Bank (CT)

How many branches does Union Savings Bank (CT) operate?

Union Savings Bank (CT) currently maintains approximately 26 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 Savings Bank (CT) 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 Savings Bank (CT) provides members with tools to manage their accounts and build a solid financial history.

Does Union Savings Bank (CT) offer online and mobile banking?

Most modern institutions like Union Savings Bank (CT) 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.unionsavings.com.