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%

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Union State Bank Winterset, IA

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Union State Bank Winterset, IA Rates & Review October 2026

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: October 11, 2026

Union State Bank Winterset, IA's top rates as of October 11, 2026 are 4.03% APY on its 7-Months 7-Month CD Special, 0.90% APY on savings, and 2.53% APY on money market accounts, according to rates verified by MonitorBankRates. Other Union State Bank Winterset, IA CD rates include 36-Months 36-Month CD at 3.63%, 60-Months 60-Month CD at 3.63%, and 48-Months 48-Month CD at 3.53%. 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 10/11/2026.

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 Q2 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

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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 Winterset, IA CD Rates

Product	Rate	APY	Term
7 Month CD Special	4.00%	4.03%	7 months
Min Balance $10,000 Details APY* applies to balances of $10,000 or more. Last Updated 10/11/2026 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%
36 Month CD	3.60%	3.63%	36 months
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 2.72% → 3.63% ▲ 0.91 pts · high 3.63% / low 2.72% Oct 3, 20263.63%▲ from 2.72% Sep 24, 20262.72%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 Deposit $50,000 Min Balance $50,000 Details Balance: 50,000+ Last Updated 10/11/2026 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%
48 Month CD	3.50%	3.53%	48 months
Min Balance $50,000 Last Updated 10/11/2026 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
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/11/2026 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 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/11/2026 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 Deposit $25,000 Min Balance $25,000 Details Balance: 25,000+ Last Updated 10/11/2026 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 Month
Min Deposit $50,000 Min Balance $50,000 Details Balance: 50,000+ Last Updated 10/11/2026 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
Min Balance $25,000 Last Updated 10/11/2026 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 Deposit $10,000 Min Balance $10,000 Details Balance: 10,000+ Last Updated 10/11/2026 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
Min Balance $50,000 Last Updated 10/11/2026 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
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/11/2026 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
Min Balance $2,500 Last Updated 10/11/2026 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
Min Balance $10,000 Last Updated 10/11/2026 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 months
Min Deposit $25,000 Min Balance $25,000 Last Updated 10/11/2026 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
Min Balance $2,500 Details Balance: $2,500 (GO) Last Updated 10/11/2026 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
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/11/2026 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 months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/11/2026 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 Month
Min Deposit $25,000 Min Balance $25,000 Details Balance: 25,000+ Last Updated 10/11/2026 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 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/11/2026 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%
24 Month CD	2.90%	2.92%	24 months
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/11/2026 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%
12 Month CD	2.80%	2.82%	12 months
Min Balance $25,000 Last Updated 10/11/2026 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 Month
Min Deposit $2,500 Min Balance $2,500 Details Balance: 2,500 (GO) Last Updated 10/11/2026 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 Month
Min Deposit $10,000 Min Balance $10,000 Details Balance: 10,000+ Last Updated 10/11/2026 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
Min Balance $2,500 Last Updated 10/11/2026 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
Min Balance $10,000 Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 2.72% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month CD	2.70%	2.72%	6 months
Min Deposit $25,000 Min Balance $25,000 Last Updated 10/11/2026 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 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/11/2026 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 months
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/11/2026 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 Deposit $2,500 Min Balance $2,500 Details Balance: 2,500+ Last Updated 10/11/2026 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
Min Balance $2,500 Last Updated 10/11/2026 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
Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/11/2026 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 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/11/2026 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 Month
Min Deposit $2,500 Min Balance $2,500 Details Balance: 2,500+ Last Updated 10/11/2026 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
Min Balance $2,500 Last Updated 10/11/2026 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 Deposit $500 Min Balance $500 Details Balance: 500+ Last Updated 10/11/2026 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
Min Balance $500 Last Updated 10/11/2026 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
Min Balance $500 Details Balance: $500+ Last Updated 10/11/2026 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 months
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 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 Month
Min Deposit $500 Min Balance $500 Details Balance: 500+ Last Updated 10/11/2026 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
Min Balance $500 Last Updated 10/11/2026 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 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/11/2026 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 months
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 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 10/11/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 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 10/11/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 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 10/11/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Christmas Club	0.70%	0.70%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
College Plan / Super Saver	0.70%	0.70%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 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 10/11/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 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 10/11/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 7, 20260.20%▼ from 0.25% Sep 14, 20260.25%first recorded 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 Balance $1,000,000 Details Balance: 1,000,000+ Last Updated 10/11/2026 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 Balance $500,000 Details Balance: 500,000+ Last Updated 10/11/2026 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 Balance $300,000 Details Balance: 300,000+ Last Updated 10/11/2026 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 Balance $100,000 Details Balance: 100,000+ Last Updated 10/11/2026 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 Balance $25,000 Details Balance: 25,000+ Last Updated 10/11/2026 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 Balance $25,000 Details Balance: 25,000+ Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.70%	0.70%
Min Balance $10,000 Details Balance: 10,000+ Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.30%	0.30%
Min Balance $2,500 Details Balance: 2,500+ Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Advantage Money Market	0.20%	0.20%
Min Balance $0 Details Balance: Under 25,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.20%	0.20%
Min Balance $0 Details Balance: Under 2,500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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%
Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 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 Balance $0 Details Balance: Under 2,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 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 Balance $2,500 Details Balance: 2,500+ Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 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 Balance $500 Details Balance: 500+ GO Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 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 Balance $10,000 Details Balance: 10,000+ Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 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 Balance $25,000 Details Balance: 25,000+ Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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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

Institution Name Union State Bank Winterset, IA

Bank Holding Company MADISON HOLDING CO

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

Website https://www.usbiowa.com

FDIC Certificate # 14982

Established 19350102

FDIC Insurance Date 19350111

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1501%

Return on Equity (ROE) 15.8200%

Non-Performing Loans (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 3

Source: FDIC | Last Updated 06/30/2026

Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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 State Bank Winterset, IA

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.