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 United Bank of Philadelphia Rates & Review September 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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 19, 2026
United Bank of Philadelphia's 5 year 5-Year Certificate of Deposit rates are at 0.30%, 4 year 4-Year Certificate of Deposit rates are at 0.25%, 3 year 3-Year Certificate of Deposit rates are at 0.20%, 2 year 2-Year Certificate of Deposit rates are at 0.15%, 1 year 1-Year Certificate of Deposit rates are at 0.10%. United Bank of Philadelphia's savings rates are at 0.02%. United Bank of Philadelphia's money market rates are at 0.02%. MonitorBankRates evaluates the financial stability of United Bank of Philadelphia with a 3.1 Star Rating, an D Overall Health Grade, and a Texas Ratio of 38.18%. Rates last updated and verified on 09/19/2026. United Bank of Philadelphia 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 Philadelphia? Share your experience about United Bank of Philadelphia by leaving a review below, or read customer reviews before you decide to use United Bank of Philadelphia. 
United Bank of Philadelphia CD Rates
United Bank of Philadelphia Savings Rates
United Bank of Philadelphia Checking Rates
United Bank of Philadelphia Other Rates
Financial Health HistoryUnited Bank of Philadelphia’s Texas Ratio fell from 45.27% in Q3 2023 to 38.18% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 2.5 to 3.1 and its Health Grade from F to D. 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)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for United Bank of Philadelphia 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 Philadelphia 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 Philadelphia's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
United Bank of Philadelphia
Bank Holding Company
UNITED BANCSHARES INC
Address
1501 N Broad St,
Philadelphia, PA 19122 · Philadelphia
Website
https://www.ubphila.com
FDIC Certificate #
33568
Established
19920323
FDIC Insurance Date
19920323
Domestic Offices
2
Total Branches
2
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsD
Overall Health Grade
Score: 62/100
3.1
Good
Out of 5.0 Stars
38.18%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
-2.6478%
Return on Equity (ROE)
-15.6500%
Non-Performing Loans (NPL)
6.38%
Total Assets
$48,411,000
Total Deposits
$40,191,000
Equity Capital
$8,096,000
Net Income
$-657,000
Headquarters
Philadelphia
Total Branches and Offices
2
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About United Bank of PhiladelphiaHow many branches does United Bank of Philadelphia operate?United Bank of Philadelphia currently maintains approximately 2 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 Philadelphia 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 Philadelphia provides members with tools to manage their accounts and build a solid financial history. Does United Bank of Philadelphia offer online and mobile banking?Most modern institutions like United Bank of Philadelphia 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.ubphila.com. Current United Bank of Philadelphia Rates
Retrieved from our database of financial products. Rates subject to change.
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Finance Factors
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