What are the current interest rates at Union State Bank Arkansas City, KS?

Current rates for Union State Bank Arkansas City, KS include: 12-Month CD: 3.70%

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Union State Bank Arkansas City, KS

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Union State Bank Arkansas City, KS Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Union State Bank Arkansas City, KS 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 14, 2026

Union State Bank Arkansas City, KS's 12-Months 12-Month CD Special rates are at 3.70%, 6-Months 6-Month CD Special rates are at 3.60%. MonitorBankRates evaluates the financial stability of Union State Bank Arkansas City, KS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.08%. Rates last updated and verified on 09/14/2026.

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

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

1.08%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Union State Bank

127 S Summit St
Arkansas City, KS 67005

https://www.myunionstate.bank

Union State Bank Arkansas City, KS CD Rates

Product	Rate	APY	Term
12-Month CD Special	-	3.70%	12 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.08%
6-Month CD Special	-	3.60%	6 months
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.08%

Union State Bank Arkansas City, KS Checking Rates

Product	Rate	APY
eVantage Checking	-	2.25%
Min Deposit $50 Details Qualifications Required: 20 debit card purchases each statement cycle; 1 direct deposit or automatic payment; Receive your monthly statement electronically; 0.05% APY on balances over $25,000; 0.05% APY on all balances, even if qualifications are not met; 3 non-USB ATM transaction fee refunds each statement cycle; 3 foreign ATM fee refunds each statement cycle when qualifications are met; No monthly service charge; Unlimited number of items; No per item charges Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.08%
Arch Checking	-	0.05%
Details No monthly service charge; Unlimited number of items; No per item charges Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.08%

Union State Bank Arkansas City, KS Other Rates

Product	Rate	Points	APY/APR
eVantage Save	-	-	1.00%
Min Balance $50,000 Details On balances up to $50,000. When qualifications are met Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.08%
eVantage Save High Yield Interest Account	-	-	0.05%
Min Deposit $50 Details Balances over $50,000.00 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.08%

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 Arkansas City, KS’s Texas Ratio fell from 2.62% in Q3 2023 to 1.08% 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 — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$719M	1.08%	5.0	A+
March 31, 2026	$662M	1.56%	5.0	A+
December 31, 2025	$655M	1.32%	5.0	A+
September 30, 2025	$670M	1.06%	5.0	A+
June 30, 2025	$678M	0.28%	5.0	A+
March 31, 2025	$676M	0.36%	5.0	A+
December 31, 2024	$661M	0.07%	5.0	A+
September 30, 2024	$703M	0.69%	5.0	A+
June 30, 2024	$680M	0.64%	5.0	A+
March 31, 2024	$689M	0.26%	5.0	A+
December 31, 2023	$663M	2.21%	5.0	A+
September 30, 2023	$633M	2.62%	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 Arkansas City, KS 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 Arkansas City, KS 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 Arkansas City, KS's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Union State Bank Arkansas City, KS

Bank Holding Company DOCKING BANCSHARES INC

Address 127 S Summit St, Arkansas City, KS 67005 · Cowley

Website https://www.myunionstate.bank

FDIC Certificate # 1869

Established 19081230

FDIC Insurance Date 19340101

Domestic Offices 12

Total Branches 12

Regulator FED

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

1.08%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2662%

Return on Equity (ROE) 11.1800%

Non-Performing Loans (NPL) 0.12%

Total Assets $719,142,000

Total Deposits $633,317,000

Equity Capital $76,951,000

Net Income $4,297,000

Headquarters Arkansas City

Total Branches and Offices 12

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Union State Bank Arkansas City, KS earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Union State Bank Arkansas City, KS

How many branches does Union State Bank Arkansas City, KS operate?

Union State Bank Arkansas City, KS currently maintains approximately 12 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 Arkansas City, KS 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 Arkansas City, KS provides members with tools to manage their accounts and build a solid financial history.

Does Union State Bank Arkansas City, KS offer online and mobile banking?

Most modern institutions like Union State Bank Arkansas City, KS 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.myunionstate.bank.