Union State Bank Winterset, IA Rates and Review March 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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Union State Bank Winterset, IA's 7-Month CD Special rates are at 3.50%, 60-Month CD rates are at 3.22%, 48-Month CD rates are at 3.12%, 36-Month CD rates are at 3.02%, 60-Month CD rates are at 3.02%. Union State Bank Winterset, IA's savings rates are at 0.20%. Union State Bank Winterset, IA's money market rates are at 0.20%. 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 were last updated on 03/05/2026.
Rate Updates and AvailabilityUnion 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. Union State Bank Winterset, IA Texas RatioUnion State Bank Winterset, IA's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Union State Bank Winterset, IA is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Union State Bank Winterset, IA has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Union State Bank Winterset, IA is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 100/100
Union State Bank Winterset, IA has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/05/2026 
Union State Bank Winterset, IA CD Rates
Union State Bank Winterset, IA Savings Rates
Union State Bank Winterset, IA Money Market Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewUnion State Bank Winterset, IA
611 W Highway 92Winterset, IA 50273 Madison Established Date: 01/02/1935 FDIC Certificate #: 14982 Date of FDIC Deposit Insurance: 01/11/1935 Bank Holding Company: MADISON HOLDING CO How Many Domestic U.S. Offices? 3 How Many Branches are There? 3 Website: https://www.usbiowa.com
Is Union State Bank Winterset, IA FDIC Insured? Yes
What is Union State Bank Winterset, IA's Cert number? 14982
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (100/100)
Texas Ratio:
0.00%
Return on Assets (ROA):
0.5496%
Return on Equity (ROE):
10.7400%
Non-Performing Loans (NPL):
0.00%
Total Assets:
$135,733,000
Total Deposits:
$124,901,000
Equity Capital:
$9,893,000
Net Income:
$1,222,000
Headquarters:
Winterset
Regulator:
FDIC
# of Offices:
3
Source: FDIC | Last Updated 12/31/2025
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Frequently Asked Questions About Union State Bank Winterset, IAHow do I open an account at Union State Bank Winterset, IA?You can typically open an account at Union State Bank Winterset, IA by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Union State Bank Winterset, IA provides a range of mortgage and home equity products. Is Union State Bank Winterset, IA a safe place to deposit money?Yes, Union State Bank Winterset, IA is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Union State Bank Winterset, IA offer online and mobile banking?Most modern institutions like Union State Bank Winterset, IA provide digital access including online balance checks and transfers. Compare to other Banks |
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