What are the current interest rates at United Bank of Michigan?

Current rates for United Bank of Michigan include: 12-Month CD: 3.60%

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United Bank of Michigan Rates & Review April 2026

Q: How many branches does United Bank of Michigan operate?

United Bank of Michigan currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Bank of Michigan 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: April 11, 2026

United Bank of Michigan's 12-Month CD rates are at 3.60%. MonitorBankRates evaluates the financial stability of United Bank of Michigan with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.75%. Rates were last updated on 04/11/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.75%

Excellent Lower than avg

United Bank of Michigan

900 East Paris Ave Se
Grand Rapids, MI 49546

https://www.unitedbank4u.com

United Bank of Michigan CD Rates

Product	Rate	APY	Term	View More
12 month CD	-	3.60%	12
Details Limited time CD Special. Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

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 of Michigan 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 of Michigan 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 of Michigan's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name United Bank of Michigan

Bank Holding Company UNITED BANK FINANCIAL CORP

Address 900 East Paris Ave Se, Grand Rapids, MI 49546 · Kent

Website https://www.unitedbank4u.com

FDIC Certificate # 11807

Established 01/01/1903

FDIC Insurance Date 01/02/1934

Domestic Offices 13

Total Branches 13

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

0.75%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9477%

Return on Equity (ROE) 10.0600%

Non-Performing Loans (NPL) 0.06%

Total Assets $1,078,615,000

Total Deposits $903,171,000

Equity Capital $106,336,000

Net Income $11,825,000

Headquarters Grand Rapids

Total Offices 13

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About United Bank of Michigan

Is United Bank of Michigan a safe place to deposit money?

Yes, United Bank of Michigan is considered a safe financial institution. With a Texas Ratio of 0.7510850255234%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does United Bank of Michigan operate?

United Bank of Michigan currently maintains approximately 13 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 of Michigan 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 of Michigan provides members with tools to manage their accounts and build a solid financial history.

Does United Bank of Michigan offer online and mobile banking?

Most modern institutions like United Bank of Michigan 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.unitedbank4u.com.