What are the current interest rates at Union State Bank Winterset, IA?

Current rates for Union State Bank Winterset, IA include: 12-Month CD: 1.10%, 18-Month CD: 1.21%, 24-Month CD: 1.31%, 36-Month CD: 1.41%, 48-Month CD: 1.51%, 60-Month CD: 1.61%, Savings: 0.90%, MMA: 2.53%

MonitorBankRates

☰

Home›
Banks›
Union State Bank Winterset, IA

iAdvertiser Disclosure

Union State Bank Winterset, IA Rates & Review November 2026

Q: What CD terms does Union State Bank Winterset, IA offer?

Union State Bank Winterset, IA CD rates are 1.10% APY for a 12 month CD, 3.22% APY for an 18 month CD, 3.32% APY for a 2 year CD, 3.43% APY for a 3 year CD, 3.53% APY for a 4 year CD and 3.63% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Union State Bank Winterset, IA for its full lineup.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Union State Bank Winterset, IA 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: November 6, 2026

Union State Bank Winterset, IA's 60-Month CD rates are at 3.63%, 48-Month CD rates are at 3.53%, 36-Month CD rates are at 3.43%, 24-Month CD rates are at 3.32%, 18-Month CD rates are at 3.22%. Union State Bank Winterset, IA's savings rates are at 0.90%. Union State Bank Winterset, IA's money market rates are at 2.53%. Union State Bank Winterset, IA's top CD rate of 4.03% APY on a 7 month CD is 42% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Union State Bank Winterset, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 11/06/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Union State Bank

611 W Highway 92
Winterset, IA 50273

https://www.usbiowa.com

Customer Reviews

Be the first to review

Write a Review

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 Winterset, IA CD Rates

Product	Rate	APY	Term	Min. Deposit
7-Month CD Special	4.00%	4.03%	7 months	-
Min Balance $10,000 Details Balance: 10,000+; Rate is printed without a % sign on the page and is shown here as 4.00%; $500 minimum deposit to open all other certificates of deposit Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.03% ▲ 0.28 pts · high 4.03% / low 3.75% Oct 3, 20264.03%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60-Month CD	3.60%	3.63%	60 months	-
Min Balance $50,000 Details Balance: $50,000+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 3.22% → 3.63% ▲ 0.41 pts · high 3.63% / low 3.22% Oct 3, 20263.63%▲ from 3.22% Sep 14, 20263.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Step-Up CD Special - 36-Month CD	3.60%	3.63%	36 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: 10,000+; Interest rate and APY as printed on the page Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.63% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48-Month CD	3.50%	3.53%	48 months	$500
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 3.12% → 3.53% ▲ 0.41 pts · high 3.53% / low 3.12% Oct 3, 20263.53%▲ from 3.12% Sep 14, 20263.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36-Month CD	3.40%	3.43%	36 Months	$500
Min Deposit $500 Min Balance $50,000 Details Balance: 50,000+; Interest Rate and APY as printed on page; $500 minimum deposit to open all other certificate of deposit Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 3.02% → 3.43% ▲ 0.41 pts · high 3.43% / low 3.02% Oct 3, 20263.43%▲ from 3.02% Sep 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24-Month CD	3.30%	3.32%	24 Month	$500
Min Deposit $500 Min Balance $50,000 Details Balance: 50,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.92% → 3.32% ▲ 0.40 pts · high 3.32% / low 2.92% Oct 3, 20263.32%▲ from 2.92% Sep 14, 20262.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60-Month CD	3.30%	3.32%	60 months	-
Min Balance $25,000 Details Balance: $25,000+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 3.02% → 3.32% ▲ 0.30 pts · high 3.32% / low 3.02% Oct 3, 20263.32%▲ from 3.02% Sep 14, 20263.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18-Month CD	3.20%	3.22%	18 months	-
Min Balance $50,000 Details Balance: 50,000+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.82% → 3.22% ▲ 0.40 pts · high 3.22% / low 2.82% Oct 3, 20263.22%▲ from 2.82% Sep 14, 20262.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48-Month CD	3.20%	3.22%	48 months	$500
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.92% → 3.22% ▲ 0.30 pts · high 3.22% / low 2.92% Oct 3, 20263.22%▲ from 2.92% Sep 14, 20262.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60-Month CD	3.20%	3.22%	60 months	-
Min Balance $2,500 Details Balance: $2,500 (GO) tier; Golden Opportunity CD; source cell reads '2,500 (GO)2.90' so the stray 2.90 was not used; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.82% → 3.22% ▲ 0.40 pts · high 3.22% / low 2.22% Oct 21, 20263.22%▲ from 2.22% Oct 3, 20262.22%▼ from 2.82% Sep 14, 20262.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60-Month CD	3.20%	3.22%	60 months	-
Min Balance $10,000 Details Balance: $10,000+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.92% → 3.22% ▲ 0.30 pts · high 3.22% / low 2.92% Oct 3, 20263.22%▲ from 2.92% Sep 14, 20262.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12-Month CD	3.10%	3.12%	12 months	$500
Min Deposit $500 Min Balance $50,000 Details Balance: 50,00+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.92% → 3.12% ▲ 0.20 pts · high 3.12% / low 2.92% Oct 7, 20263.12%▲ from 2.92% Sep 14, 20262.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36-Month CD	3.10%	3.12%	36 Months	$500
Min Deposit $500 Min Balance $25,000 Details Balance: 25,000+; Interest Rate and APY as printed on page; $500 minimum deposit to open all other certificate of deposit Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.82% → 3.12% ▲ 0.30 pts · high 3.12% / low 2.82% Oct 3, 20263.12%▲ from 2.82% Sep 14, 20262.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48-Month CD	3.10%	3.12%	48 months	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Golden Opportunity (GO); Balance: $2,500 (GO) Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.77% → 3.12% ▲ 0.35 pts · high 3.12% / low 2.77% Oct 3, 20263.12%▲ from 2.82% Sep 24, 20262.82%▲ from 2.77% Sep 14, 20262.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48-Month CD	3.10%	3.12%	48 months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 2.82% → 3.12% ▲ 0.30 pts · high 3.12% / low 2.82% Oct 3, 20263.12%▲ from 2.82% Sep 24, 20262.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24-Month CD	3.00%	3.02%	24 Month	$500
Min Deposit $500 Min Balance $25,000 Details Balance: 25,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.67% → 3.02% ▲ 0.35 pts · high 3.02% / low 2.67% Oct 3, 20263.02%▲ from 2.67% Sep 14, 20262.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36-Month CD	3.00%	3.02%	36 Months	$500
Min Deposit $500 Min Balance $2,500 Details Balance: 2,500 (GO); GO tier; Interest Rate and APY as printed on page; $500 minimum deposit to open all other certificate of deposit Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.52% → 3.02% ▲ 0.50 pts · high 3.02% / low 2.52% Oct 3, 20263.02%▲ from 2.72% Sep 24, 20262.72%▲ from 2.52% Sep 14, 20262.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36-Month CD	3.00%	3.02%	36 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: 10,000+; Interest Rate and APY as printed on page; $500 minimum deposit to open all other certificate of deposit Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 2.72% → 3.02% ▲ 0.30 pts · high 3.02% / low 2.72% Oct 3, 20263.02%▲ from 2.72% Sep 24, 20262.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6-Month CD	3.00%	3.02%	6 Month	$500
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.82% → 3.02% ▲ 0.20 pts · high 3.02% / low 2.82% Oct 3, 20263.02%▲ from 2.82% Sep 14, 20262.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18-Month CD	2.90%	2.92%	18 months	-
Min Balance $25,000 Details Balance: 25,000+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.52% → 2.92% ▲ 0.40 pts · high 2.92% / low 2.52% Oct 3, 20262.92%▲ from 2.52% Sep 14, 20262.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24-Month CD	2.90%	2.92%	24 Month	$500
Min Deposit $500 Min Balance $10,000 Details Balance: 10,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 2.62% → 2.92% ▲ 0.30 pts · high 2.92% / low 2.62% Oct 3, 20262.92%▲ from 2.62% Sep 24, 20262.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24-Month CD	2.90%	2.92%	24 Month	-
Min Balance $2,500 Details GO; Balance: 2,500 (GO) Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.27% → 2.92% ▲ 0.65 pts · high 2.92% / low 2.27% Oct 3, 20262.92%▲ from 2.62% Sep 24, 20262.62%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12-Month CD	2.80%	2.82%	12 months	$500
Min Deposit $500 Min Balance $25,000 Details Balance: 25,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.62% → 2.82% ▲ 0.20 pts · high 2.82% / low 2.62% Oct 3, 20262.82%▲ from 2.62% Sep 14, 20262.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18-Month CD	2.80%	2.82%	18 months	-
Min Balance $2,500 Details Balance: 2,500 (GO); Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.01% → 2.82% ▲ 0.81 pts · high 2.82% / low 1.81% Oct 7, 20262.82%▲ from 1.81% Oct 3, 20261.81%▼ from 2.01% Sep 14, 20262.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18-Month CD	2.80%	2.82%	18 months	-
Min Balance $10,000 Details Balance: 10,000+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.52% → 2.82% ▲ 0.30 pts · high 2.82% / low 2.52% Oct 7, 20262.82%▲ from 2.52% Sep 14, 20262.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12-Month CD	2.70%	2.72%	12 months	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Golden Opportunity CD; Balance: 2,500 (GO) Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 2.72% ▲ 1.22 pts · high 2.72% / low 1.50% Oct 3, 20262.72%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12-Month CD	2.70%	2.72%	12 months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: 10,000+ Last Updated 11/06/2026 Rate History No change since Oct 3, 2026 · 2.72% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6-Month CD	2.70%	2.72%	6 Month	$500
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.52% → 2.72% ▲ 0.20 pts · high 2.72% / low 2.52% Oct 3, 20262.72%▲ from 2.52% Sep 14, 20262.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6-Month CD	2.60%	2.62%	6 Month	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Golden Opportunity (GO); $2,500 minimum for Golden Opportunity CD; Balance: $2,500 - $9,999.99 Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 0.75% → 2.62% ▲ 1.87 pts · high 2.62% / low 0.75% Oct 3, 20262.62%▲ from 2.42% Sep 24, 20262.42%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6-Month CD	2.62%	2.62%	6 Month	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 2.42% → 2.62% ▲ 0.20 pts · high 2.62% / low 2.42% Oct 3, 20262.62%▲ from 2.42% Sep 24, 20262.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60-Month CD	2.20%	2.22%	60 months	-
Min Balance $2,500 Details Balance: $2,500+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.82% → 2.22% ▼ 0.60 pts · high 2.82% / low 2.22% Oct 3, 20262.22%▼ from 2.82% Sep 14, 20262.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48-Month CD	2.10%	2.11%	48 months	$500
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.77% → 2.11% ▼ 0.66 pts · high 2.77% / low 2.11% Oct 3, 20262.11%▼ from 2.77% Sep 14, 20262.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36-Month CD	2.00%	2.01%	36 Months	$500
Min Deposit $500 Min Balance $2,500 Details Balance: 2,500+; Interest Rate and APY as printed on page; $500 minimum deposit to open all other certificate of deposit Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.52% → 2.01% ▼ 0.51 pts · high 2.52% / low 2.01% Oct 3, 20262.01%▼ from 2.52% Sep 14, 20262.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24-Month CD	1.90%	1.91%	24 Month	$500
Min Deposit $500 Min Balance $2,500 Details Balance: 2,500+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 1.91% ▼ 0.36 pts · high 2.27% / low 1.91% Oct 3, 20261.91%▼ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18-Month CD	1.80%	1.81%	18 months	-
Min Balance $2,500 Details Balance: 2,500+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.01% → 1.81% ▼ 0.20 pts · high 2.01% / low 1.81% Oct 3, 20261.81%▼ from 2.01% Sep 14, 20262.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12-Month CD	1.60%	1.61%	12 months	$500
Min Deposit $500 Min Balance $2,500 Details Balance: 2,500+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.61% ▲ 0.11 pts · high 1.61% / low 1.50% Oct 3, 20261.61%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60-Month CD	1.60%	1.61%	60 months	-
Min Balance $500 Details Balance: $500+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.40% → 1.61% ▲ 0.21 pts · high 1.61% / low 1.40% Oct 3, 20261.61%▲ from 1.40% Sep 14, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48-Month CD	1.50%	1.51%	48 months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $2,499.99 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.51% ▲ 0.21 pts · high 1.51% / low 1.30% Oct 3, 20261.51%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36-Month CD	1.40%	1.41%	36 Months	$500
Min Deposit $500 Min Balance $500 Details Balance: 500+; Interest Rate and APY as printed on page; $500 minimum deposit to open all other certificate of deposit Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.20% → 1.41% ▲ 0.21 pts · high 1.41% / low 1.20% Oct 3, 20261.41%▲ from 1.20% Sep 14, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24-Month CD	1.30%	1.31%	24 Month	$500
Min Deposit $500 Min Balance $500 Details Balance: 500+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.10% → 1.31% ▲ 0.21 pts · high 1.31% / low 1.10% Oct 3, 20261.31%▲ from 1.10% Sep 14, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18-Month CD	1.20%	1.21%	18 months	-
Min Balance $500 Details Balance: 500+; Effective date: September 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.21% ▲ 0.21 pts · high 1.21% / low 1.00% Oct 3, 20261.21%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12-Month CD	1.10%	1.10%	12 months	$500
Min Deposit $500 Min Balance $500 Details Balance: 500+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 3, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6-Month CD	0.85%	0.85%	6 Month	$500
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.85% ▲ 0.10 pts · high 0.85% / low 0.75% Oct 3, 20260.85%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6-Month CD	0.60%	0.60%	6 Month	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 - $2,499.99 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.60% ▲ 0.10 pts · high 0.60% / low 0.50% Oct 3, 20260.60%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Union State Bank Winterset, IA Savings Rates

Product	Rate	APY
Health Savings Account	0.90%	0.90%
No additional details. Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Regular Savings	0.90%	0.90%
Min Balance $25,000 Details Balance: 25,000+ Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Regular Savings	0.80%	0.80%
Min Balance $10,000 Details Balance: 10,000+ Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Christmas Club	0.70%	0.70%
Min Deposit $100 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
College Plan / Super Saver	0.70%	0.70%
Min Deposit $100 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Regular Savings	0.25%	0.25%
Min Balance $2,500 Details Balance: 2,500+ Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Regular Savings	0.20%	0.20%
Min Balance $0 Details Balance: Under 2,500 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Union State Bank Winterset, IA Money Market Rates

Product	Rate	APY
Advantage Money Market	2.50%	2.53%
Min Deposit $100 Min Balance $1,000,000 Details Balance: 1,000,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.11% → 2.53% ▲ 0.42 pts · high 2.53% / low 2.11% Oct 3, 20262.53%▲ from 2.11% Sep 14, 20262.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Advantage Money Market	2.00%	2.02%
Min Deposit $100 Min Balance $500,000 Details Balance: 500,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.61% → 2.02% ▲ 0.41 pts · high 2.02% / low 1.61% Oct 3, 20262.02%▲ from 1.61% Sep 14, 20261.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Advantage Money Market	1.70%	1.71%
Min Deposit $100 Min Balance $300,000 Details Balance: 300,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.71% ▲ 0.41 pts · high 1.71% / low 1.30% Oct 3, 20261.71%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Advantage Money Market	1.40%	1.41%
Min Deposit $100 Min Balance $100,000 Details Balance: 100,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.41% ▲ 0.41 pts · high 1.41% / low 1.00% Oct 3, 20261.41%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	1.25%	1.26%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.26% ▲ 0.26 pts · high 1.26% / low 1.00% Oct 3, 20261.26%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Advantage Money Market	0.90%	0.90%
Min Deposit $100 Min Balance $25,000 Details Balance: 25,000+ Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.70%	0.70%
Min Deposit $100 Min Balance $10,000 Details Balance: 10,000+ Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.30%	0.30%
Min Deposit $100 Min Balance $2,500 Details Balance: 2,500+ Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Advantage Money Market	0.20%	0.20%
Min Deposit $100 Min Balance $0 Details Balance: Under 25,000 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.20%	0.20%
Min Deposit $100 Min Balance $0 Details Balance: Under 2,500 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Union State Bank Winterset, IA Other Rates

Product	Rate	Points	APY/APR
Burial Trust	0.70%	-	0.70%
Min Deposit $100 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Choice Plus Golden Opportunity Business Plus	0.07%	-	0.07%
Min Deposit $100 Min Balance $0 Details Balance: Under 2,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Choice Plus Golden Opportunity Business Plus	0.07%	-	0.07%
Min Deposit $100 Min Balance $2,500 Details Balance: 2,500+ Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Choice Plus Golden Opportunity Business Plus	0.07%	-	0.07%
Min Deposit $100 Min Balance $500 Details Balance: 500+ GO Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Choice Plus Golden Opportunity Business Plus	0.07%	-	0.07%
Min Deposit $100 Min Balance $10,000 Details Balance: 10,000+ Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Choice Plus Golden Opportunity Business Plus	0.07%	-	0.07%
Min Deposit $100 Min Balance $25,000 Details Balance: 25,000+ Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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 Winterset, IA’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.1 to 5.0 and its Health Grade from B- to A+. 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	$136M	0.00%	5.0	A+
March 31, 2026	$146M	0.00%	5.0	A+
December 31, 2025	$136M	0.00%	5.0	A+
September 30, 2025	$127M	0.00%	5.0	A+
June 30, 2025	$126M	0.00%	5.0	A+
March 31, 2025	$138M	0.00%	4.5	A
December 31, 2024	$131M	0.00%	4.4	A
September 30, 2024	$146M	0.00%	4.0	B+
June 30, 2024	$130M	0.23%	4.1	A-
March 31, 2024	$143M	0.00%	3.3	B
December 31, 2023	$132M	0.00%	3.6	B
September 30, 2023	$135M	0.00%	3.1	B-

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 Winterset, IA 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 Winterset, IA 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 Winterset, IA's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Union State Bank Winterset, IA

Website https://www.usbiowa.com

Address 611 W Highway 92, Winterset, IA 50273 · Madison

Bank Holding Company MADISON HOLDING CO

FDIC Certificate # 14982

Regulator FDIC

Established January 2, 1935

FDIC Insurance Date January 11, 1935

Domestic Offices 3

Total Branches 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1501%

Return on Equity (ROE)

15.8200%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

$136,473,000

Total Deposits

$125,311,000

Equity Capital

$10,299,000

Net Income

$802,000

Headquarters

Winterset

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Union State Bank Winterset, IA 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/union-state-bank-winterset-ia-rates-review-14982">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       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

There are no reviews for Union State Bank Winterset, IA yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Union State Bank Winterset, IA

Frequently Asked Questions About Union State Bank Winterset, IA

Does Union State Bank Winterset, IA offer CDs?

Yes. Union State Bank Winterset, IA current CD rates include its 60-Month CD at 3.63% APY, its 48-Month CD at 3.53% APY and its 36-Month CD at 3.43% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Union State Bank Winterset, IA FDIC insured?

Yes. Union State Bank Winterset, IA 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 State Bank Winterset, IA?

The highest Union State Bank Winterset, IA CD rate is its 7-Month CD Special at 4.03% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Union State Bank Winterset, IA offer?

Union State Bank Winterset, IA CD rates are 1.10% APY for a 12 month CD, 3.22% APY for an 18 month CD, 3.32% APY for a 2 year CD, 3.43% APY for a 3 year CD, 3.53% APY for a 4 year CD and 3.63% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Union State Bank Winterset, IA for its full lineup.

What is the highest savings rate at Union State Bank Winterset, IA?

The highest Union State Bank Winterset, IA savings rate is its Health Savings Account at 0.90% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Union State Bank Winterset, IA?

The highest Union State Bank Winterset, IA money market rate is its Advantage Money Market at 2.53% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Union State Bank Winterset, IA operate?

Union State Bank Winterset, IA currently maintains approximately 3 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 Winterset, IA 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 Winterset, IA provides members with tools to manage their accounts and build a solid financial history.

Does Union State Bank Winterset, IA offer online and mobile banking?

Most modern institutions like Union State Bank Winterset, IA 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.usbiowa.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 State Bank Winterset, IA rates compare?

Union State Bank Winterset, IA's top CD rate of 4.03% APY on a 7 month CD is 42% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. Union State Bank Winterset, IA's top rates are its 7-Months 7-Month CD Special at 4.03% APY, its Health Savings Account at 0.90% APY and its Advantage Money Market at 2.53% APY, verified by MonitorBankRates on November 6, 2026.

Current Union State Bank Winterset, IA Rates

12-Month CD1.10%
18-Month CD1.21%
24-Month CD1.31%
36-Month CD1.41%
48-Month CD1.51%
60-Month CD1.61%
Savings0.90%
MMA2.53%

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

Compare to Other Banks

SSB Creston, IA Fleetwood Bank Concorde Bank Shinhan Bank America Freedom Bank Huntingburg, IN Fairfield Federal S&L of Lancaster CSB at Mohall West Plains S&L Pittsfield Co-operative Bank Walters B&T Co. Greater State Bank Bank of Whittier Crest Savings Bank Needham Bank Bank of Dickson McCurtain County National Bank Anahuac National Bank FNB of Scott City Stafford Savings Bank Southern Hills Community Bank The Peoples Bank Iva, SC

Union State Bank Winterset, IA Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Union State Bank Winterset, IA Texas Ratio

Union State Bank Winterset, IA Health Trend

Union State Bank Winterset, IA CD Rates

Union State Bank Winterset, IA Savings Rates

Union State Bank Winterset, IA Money Market Rates

Union State Bank Winterset, IA Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Union State Bank Winterset, IA earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Union State Bank Winterset, IA

Does Union State Bank Winterset, IA offer CDs?

Are CDs from Union State Bank Winterset, IA FDIC insured?

What is the highest CD rate at Union State Bank Winterset, IA?

What CD terms does Union State Bank Winterset, IA offer?

What is the highest savings rate at Union State Bank Winterset, IA?

What is the highest money market rate at Union State Bank Winterset, IA?

How many branches does Union State Bank Winterset, IA operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Union State Bank Winterset, IA 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 State Bank Winterset, IA rates compare?

Current Union State Bank Winterset, IA Rates

Compare to Other Banks