What are the current interest rates at United Bank (AL)?

Current rates for United Bank (AL) include: 12-Month CD: 0.75%, 24-Month CD: 0.85%, 36-Month CD: 0.95%, 48-Month CD: 1.05%, 60-Month CD: 1.20%, Savings: 0.05%, MMA: 0.25%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
United Bank (AL)

iAdvertiser Disclosure

United Bank (AL) Rates & Review September 2026

Q: How many branches does United Bank (AL) operate?

United Bank (AL) currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, United Bank (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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Bank (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: September 19, 2026

United Bank (AL)'s 6-Month Certificate rates are at 3.70%, 6-Month IRA rates are at 3.70%, 13-Month Certificate rates are at 3.60%, 13-Month IRA rates are at 3.60%, 60-Months 60-Month Standard CD rates are at 1.20%. United Bank (AL)'s savings rates are at 0.05%. United Bank (AL)'s money market rates are at 0.25%. United Bank (AL)'s Auto Loan Rates are as low as 4.99%. MonitorBankRates evaluates the financial stability of United Bank (AL) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.34%. Rates last updated and verified on 09/19/2026.

United Bank (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 United Bank (AL)? Share your experience about United Bank (AL) by leaving a review below, or read customer reviews before you decide to use United Bank (AL).

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.34%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

United Bank

200 E Nashville Ave
Atmore, AL 36502

https://www.unitedbank.com

United Bank (AL) CD Rates

Product	Rate	APY	Term
6 Month Certificate	-	3.70%	6 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
6 Month IRA	-	3.70%	6 Month IRA
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
13 Month Certificate	-	3.60%	13 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
13 Month IRA	-	3.60%	13 Month IRA
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
60 Month Standard CD	-	1.20%	60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
48 Month Standard CD	-	1.05%	48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
36 Month Standard CD	-	0.95%	36 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
24 Month Standard CD	-	0.85%	24 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
12 Month Standard CD	-	0.75%	12 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
6 Month Standard CD	-	0.60%	6 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
1 Month Standard CD	-	0.55%	1 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
3 Month Standard CD	-	0.55%	3 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%

United Bank (AL) Savings Rates

Product	Rate	APY
Emergency Fund Savings Account	-	5.00%
Min Deposit $50 Details 5.00% APY* on the first $5,000 in your account. Ability to set up automatic transfers from your checking account to your savings account each month or more frequently. FDIC-Insured account. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Emergency Savings	-	5.00%
Min Balance $0 Details Balance: 0 - 5,000.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Emergency Savings	-	5.00%
Min Balance $5,001 Details Published APY range: 5.00 - 2.88%. Balance: 5,001.00 - 10,000.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Personal Savings	4.91%	5.00%
Min Deposit $100 Min Balance $5,000 Details Balance: $0.00 - $5,000.00; Fees may reduce earnings. APY effective as of 2/09/26. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Emergency Savings	-	2.88%
Min Balance $10,001 Details Published APY range: 2.88 - 0.05%. Balance: 10,001.00+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Personal Savings	0.05%	0.05%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000.00 and over; Fees may reduce earnings. APY effective as of 2/09/26. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Regular Savings	-	0.05%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%

United Bank (AL) Money Market Rates

Product	Rate	APY
Tiered Rate Money Market Account	2.00%	2.02%
Min Deposit $15,000 Min Balance $75,000 Details Balance: $75,000.01 - $299,99.99; $10 fee will be assessed if the account is closed within 180 days of opening. $20 service charge if balance drops below $15,000 any day during monthly cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Tiered Rate Money Market Account	1.00%	1.00%
Min Deposit $15,000 Min Balance $30,000 Details Balance: $30,000.01 - $74,999.99; $10 fee will be assessed if the account is closed within 180 days of opening. $20 service charge if balance drops below $15,000 any day during monthly cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Tiered Rate Money Market Account	0.75%	0.75%
Min Deposit $15,000 Min Balance $15,000 Details Balance: $15,000.01 - $29,999.99; $10 fee will be assessed if the account is closed within 180 days of opening. $20 service charge if balance drops below $15,000 any day during monthly cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%
Tiered Rate Money Market Account	0.25%	0.25%
Min Deposit $15,000 Min Balance $0 Details Balance: $0.00 - $14,999.99; $10 fee will be assessed if the account is closed within 180 days of opening. $20 service charge if balance drops below $15,000 any day during monthly cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%

United Bank (AL) Checking Rates

Product	Rate	APY	View More
Val-U Checking Plus	-	0.05%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%

United Bank (AL) Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Cars and Trucks Auto Loan	-	-	4.99%	up to 60 months
Details As Low As; Special Rate Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.34%

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

United Bank (AL)’s Texas Ratio stayed near 6.18% in Q3 2023 to 6.34% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$1.5B	6.34%	5.0	A
March 31, 2026	$1.5B	8.04%	5.0	A
December 31, 2025	$1.4B	8.03%	5.0	A
September 30, 2025	$1.4B	4.51%	5.0	A+
June 30, 2025	$1.4B	5.86%	5.0	A+
March 31, 2025	$1.4B	7.50%	5.0	A
December 31, 2024	$1.4B	8.80%	5.0	A
September 30, 2024	$1.4B	10.17%	5.0	A
June 30, 2024	$1.2B	7.05%	5.0	A
March 31, 2024	$1.2B	1.49%	5.0	A+
December 31, 2023	$1.2B	1.37%	5.0	A+
September 30, 2023	$1.2B	6.18%	5.0	A

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 United Bank (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 United Bank (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 United Bank (AL)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name United Bank (AL)

Bank Holding Company UNITED BCORP OF ALABAMA INC

Address 200 E Nashville Ave, Atmore, AL 36502 · Escambia

Website https://www.unitedbank.com

FDIC Certificate # 58

Established 19040104

FDIC Insurance Date 19340101

Domestic Offices 20

Total Branches 20

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.34%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3075%

Return on Equity (ROE) 8.8100%

Non-Performing Loans (NPL) 0.86%

Total Assets $1,480,601,000

Total Deposits $1,224,410,000

Equity Capital $221,077,000

Net Income $9,542,000

Headquarters Atmore

Total Branches and Offices 20

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

United Bank (AL) 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/united-bank-al-rates-review-58">
  <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 United Bank (AL) 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 United Bank (AL)

Frequently Asked Questions About United Bank (AL)

How many branches does United Bank (AL) operate?

United Bank (AL) currently maintains approximately 20 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, United Bank (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, United Bank (AL) provides members with tools to manage their accounts and build a solid financial history.

Does United Bank (AL) offer online and mobile banking?

Most modern institutions like United Bank (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.unitedbank.com.