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United Bank (AL)

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United Bank (AL) Rates & Review June 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: June 2, 2026

United Bank (AL)'s Personal Loan Rates are at 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 6.18%. Rates were last updated on 06/02/2026.

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).

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.18%

Excellent Higher than avg

United Bank

200 E Nashville Ave
Atmore, AL 36502

http://www.unitedbank.com

United Bank (AL) Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%
Details As Low As; APR* on new cars and trucks for up to 60 months. Last Updated 05/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

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.
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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 01/04/1904

FDIC Insurance Date 01/01/1934

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

6.18%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9247%

Return on Equity (ROE) 21.1500%

Non-Performing Loans (NPL) 0.46%

Total Assets $1,446,151,000

Total Deposits $1,194,745,000

Equity Capital $213,039,000

Net Income $18,674,000

Headquarters Atmore

Total Offices 20

Source: FDIC | Last Updated 12/31/2025

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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.