What are the current interest rates at Union State Bank Pell City, AL?

Current rates for Union State Bank Pell City, AL include: 12-Month CD: 1.25%, 24-Month CD: 1.35%, 36-Month CD: 1.40%, 48-Month CD: 1.50%, 60-Month CD: 1.75%, Savings: 0.20%, MMA: 0.90%

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Union State Bank Pell City, AL

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Union State Bank Pell City, AL Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Union State Bank Pell City, AL's top rates as of October 11, 2026 are 3.65% APY on its 31 Days 31 Day Certificate, 0.20% APY on savings, 0.90% APY on money market accounts, and 0.25% APY on checking, according to rates verified by MonitorBankRates. Other Union State Bank Pell City, AL CD rates include 91 Days 91 Day Certificate at 3.60%, 5 Years 5 Year Certificate at 1.75%, and 4 Years 4 Year Certificate at 1.50%. MonitorBankRates evaluates the financial stability of Union State Bank Pell City, AL with a 3.3 Star Rating, an C Overall Health Grade, and a Texas Ratio of 18.72%. Rates last updated and verified on 10/11/2026.

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.

Overall Health & Safety Grade

Average Health Score: 73/100

MonitorBankRates Rating

3.3

Good Out of 5.0 Stars

Texas Ratio

18.72%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Union State Bank

15 20th St N
Pell City, AL 35125

https://www.unionstate.net

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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 State Bank Pell City, AL CD Rates

Product	Rate	APY	Term
31 Day Certificate	3.65%	3.65%	31 Days
Min Deposit $500 Details Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.65% APY · checked 2 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
91 Day Certificate	3.60%	3.60%	91 Days
Min Deposit $500 Details Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
5 Year Certificate	1.75%	1.75%	5 Years
Min Deposit $500 Details Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 2 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
4 Year Certificate	1.50%	1.50%	4 Years
Min Deposit $500 Details Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
3 Year Certificate	1.40%	1.40%	3 Years
Min Deposit $500 Details Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.40% APY · checked 2 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
2 Year Certificate	1.35%	1.35%	2 Years
Min Deposit $500 Details Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.35% APY · checked 2 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
1 Year Certificate	1.25%	1.25%	1 Year
Min Deposit $500 Details Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 2 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
182 Day Certificate	0.75%	0.75%	182 Days
Min Deposit $500 Details Annual percentage yield (APY) effective March 1, 2026 and is subject to change. At time of maturity, the CD will auto renew to the corresponding rate at the time of renewal. Penalty for early withdrawal. Fees may reduce earnings. Contact an employee for fees and terms of the account. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%

Union State Bank Pell City, AL Savings Rates

Product	Rate	APY
Regular Savings	0.20%	0.20%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 5 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
Christmas Club	0.10%	0.10%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 5 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%

Union State Bank Pell City, AL Money Market Rates

Product	Rate	APY
High Performance Money Market Account	0.90%	0.90%
Min Balance $0 Details Balance: $0 - $24,999.00 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.90% APY · checked 4 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
High Performance Money Market Account	0.90%	0.90%
Min Deposit $1,000 Min Balance $25,000 Details Service charge will be imposed if the average daily balance for the cycle falls below $1,000; Rate: 40% of fed funds for balances over $25,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.90% APY · checked 5 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
Money Market	0.40%	0.40%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 6 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%

Union State Bank Pell City, AL Checking Rates

Product	Rate	APY
Checking with Interest	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000.00+ Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
Checking with Interest	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 4 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%

Union State Bank Pell City, AL Business Checking Rates

Product	Rate	APY
Business Checking with Interest	0.25%	0.25%
Min Balance $1,500 Details Balance: $1,500.00+ Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%
Business Checking with Interest	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $1,499.99 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%

Union State Bank Pell City, AL Other Rates

Product	Rate	Points	APY/APR	Term	View More
Silver Select	0.25%	-	0.25%
Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 3.3 Star Rating C Health Grade ◈ Texas Ratio: 18.72%

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 State Bank Pell City, AL’s Texas Ratio rose from 2.31% in Q3 2023 to 18.72% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 3.3 and its Health Grade from F to C. 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	$212M	18.72%	3.3	C
March 31, 2026	$205M	10.33%	3.5	C+
December 31, 2025	$216M	5.02%	3.0	C+
September 30, 2025	$212M	4.67%	2.3	C-
June 30, 2025	$216M	5.11%	1.7	D
March 31, 2025	$218M	6.29%	1.5	D
December 31, 2024	$226M	2.49%	1.0	F
September 30, 2024	$212M	5.10%	1.5	D
June 30, 2024	$217M	6.58%	1.0	F
March 31, 2024	$210M	4.91%	1.0	F
December 31, 2023	$226M	1.21%	1.0	F
September 30, 2023	$226M	2.31%	1.0	F

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 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 19030101

FDIC Insurance Date 19340101

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 73/100

3.3

Good Out of 5.0 Stars

18.72%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4266%

Return on Equity (ROE) 8.0000%

Non-Performing Loans (NPL) 0.93%

Total Assets $212,452,000

Total Deposits $191,657,000

Equity Capital $11,820,000

Net Income $451,000

Headquarters Pell City

Total Branches and Offices 8

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Union State Bank Pell City, AL

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.