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 Union State Bank Pell City, AL Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: April 16, 2026
Union State Bank Pell City, AL's 31 Days Certificate of Deposit rates are at 3.65%, 91 Days Certificate of Deposit rates are at 3.60%, 5 Years Certificate of Deposit rates are at 1.75%, 4 Years Certificate of Deposit rates are at 1.50%, 3 Years Certificate of Deposit rates are at 1.40%. Union State Bank Pell City, AL's savings rates are at 0.20%. Union State Bank Pell City, AL's money market rates are at 0.40%. MonitorBankRates evaluates the financial stability of Union State Bank Pell City, AL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.31%. Rates were last updated on 04/16/2026. Union State Bank Pell City, AL 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 Pell City, AL? Share your experience about Union State Bank Pell City, AL by leaving a review below, or read customer reviews before you decide to use Union State Bank Pell City, AL. 
Union State Bank Pell City, AL CD Rates
Union State Bank Pell City, AL Savings Rates
Union State Bank Pell City, AL Money Market Rates
Union State Bank Pell City, AL Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Union State Bank Pell City, AL 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 Pell City, AL 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 Pell City, AL's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Union State Bank Pell City, AL
Bank Holding Company
UNION BANCSHARES INC
Address
15 20th St N,
Pell City, AL 35125 · St. Clair
Website
https://www.unionstate.net
FDIC Certificate #
5602
Established
01/01/1903
FDIC Insurance Date
01/01/1934
Domestic Offices
8
Total Branches
8
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.31%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.7574%
Return on Equity (ROE)
48.5400%
Non-Performing Loans (NPL)
0.04%
Total Assets
$216,417,000
Total Deposits
$204,709,000
Equity Capital
$10,804,000
Net Income
$1,581,000
Headquarters
Pell City
Total Offices
8
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Union State Bank Pell City, ALIs Union State Bank Pell City, AL a safe place to deposit money?Yes, Union State Bank Pell City, AL is considered a safe financial institution. With a Texas Ratio of 2.3142195937259%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Union State Bank Pell City, AL operate?Union State Bank Pell City, AL currently maintains approximately 8 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 Pell City, AL 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 Pell City, AL provides members with tools to manage their accounts and build a solid financial history. Does Union State Bank Pell City, AL offer online and mobile banking?Most modern institutions like Union State Bank Pell City, AL 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.unionstate.net. Current Union State Bank Pell City, AL Rates
Retrieved from our database of financial products. Rates subject to change.
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