United Business Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

United Business Bank Today's 12-month CD rates can be found at 0.40%, 6-month CD rates at 3.57% and 3-month CD rates at 3.80%. Current savings rates are at 0.10% and money market rates are at 1.21%. Mortgage rates today on 30-year fixed loans are around 6.76%. Credit Card rates are at 17.75%. Personal Loan rates are at 16.25%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to United Business Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from United Business Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with United Business Bank CD rates. You can also compare United Business Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

United Business Bank Texas Ratio

United Business Bank's Texas Ratio is at 4.47%, which is considered excellent. The Texas Ratio for United Business Bank 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.

Overall, United Business Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

N/A

2.52%

18-Month CD

N/A

2.28%

24-Month CD

N/A

2.27%

36-Month CD

N/A

2.19%

48-Month CD

N/A

2.15%

60-Month CD

N/A

2.26%

Savings

N/A

0.62%

MMA

N/A

0.80%

30-Year Fixed

N/A

6.84%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

United Business Bank

500 Ygnacio Valley Rd
Walnut Creek, CA 94596

https://www.unitedbusinessbank.com

MonitorBankRates' Rating

5/5

★★★★★

Review United Business Bank

Compare United Business Bank Rates with Other Competitive Bank and Credit Union Rates

Home Savings Bank Salt Lake City, UT

24-Month CD

4.10%

$25,000

Andrews Federal Credit Union

High Yield Savings

3.95%

HomePride Bank

12-Month CD

3.91%

$500

Freedom Bank of Southern Missouri

6-Month CD

3.85%

$1,000

Bankwell Bank

High Yield Money Market

3.75%

$100,000

Raritan State Bank

48-Month CD

3.56%

$5,000

First FSB Rochester, IN

12-Month CD

3.55%

$500

Peoples T&S Bank Boonville, IN

48-Month CD

3.55%

$500

First National B&T Co. of Bottineau

30-Month CD

3.53%

$500

Regent Bank (OK)

60-Month CD

3.50%

$1,000

Citizens Independent Bank

15-Month CD

3.50%

$10,000

Home Federal Bank of Tennessee

6-Month CD

3.50%

$500

First State Bank of Harvey

12-Month CD

3.49%

$1,000

Y-12 Federal Credit Union

18-Month CD

3.25%

$500

Primebank

24-Month CD

3.00%

$1,000

CNB Hugoton, KS

60-Month CD

2.96%

$500

First Bank Elk River

6-Month CD

2.78%

$500

Marquette Savings Bank

36-Month CD

2.78%

$500

State Central Bank

48-Month CD

2.77%

$10,000

Iowa Falls State Bank

48-Month CD

2.61%

$1,000

Bank of Old Monroe

36-Month CD

2.52%

$1,000

State Bank Spirit Lake, IA

24-Month CD

2.52%

$1,000

1st Bergen Federal Credit Union

60-Month CD

2.52%

$250

Kennebec Savings Bank

24-Month CD

2.50%

$500

Comerica Bank & Trust, N.A.

12-Month CD

2.25%

$5,000

Chelsea State Bank (CSB)

60-Month CD

2.11%

$500

Tucumcari Federal S&L

Money Market Plus

2.02%

$2,500

Enterprise Bank Allison Park, PA

Simplicity Consumer Checking

1.56%

OneLocal Bank

36-Month CD

1.50%

$1,000

Peoples Bank of Moniteau County

36-Month CD

1.30%

$500

Citizens Bank Mukwonago, WI

60-Month CD

1.25%

$1,000

Shelby County State Bank

48-Month CD

1.10%

$1,000

Federation Bank

48-Month CD

1.05%

$500

Essex Savings Bank

24-Month CD

1.02%

$500

Ion Bank

Money Market

1.00%

$10,000

First National Bank in Trinidad

24-Month CD

0.70%

$1,000

BankOrion

18-Month CD

0.65%

$500

FSB Mcpherson, KS

Regular Savings

0.60%

$50

First National Bank in Trinidad

12-Month CD (Jumbo)

0.50%

$100,000

Community Bank Topeka, KS

36-Month CD

0.40%

$1,000

Y-12 Federal Credit Union

6-Month CD

0.40%

$500

Cecil Bank

Money Market

0.30%

$25,000

Bank of Zachary

Checking e-Z NOW

0.25%

$1,500

Greenfield Co-operative Bank

12-Month CD

0.20%

$500

Fayetteville Bank

Gold Star Money Market

0.15%

$100

Homewood Federal SB

Statement Savings

0.15%

$50

Peoples Bank Chestertown, MD

Money Market

0.05%

$1,000

SSB Sherwood State Bank

Money Market

0.04%

$2,500

HTLF Bank

UMB Select Checking

0.01%

$1,000

1st University Credit Union

Savings

0.00%

$100

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 19, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

Americas First Federal Credit Union

15-Year Fixed

5.560%

5.250%

0.000

Lakewood Credit Union

15 Year Fixed

5.300%

5.390%

0.000

Pioneer Federal Credit Union

15-Year Fixed

5.250%

5.491%

0.000

State Employees Credit Union

10-Year Fixed

5.300%

5.494%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.300%

5.494%

0.000

Savings Bank of Danbury

5/1 ARM

4.750%

5.507%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Savings Bank of Danbury

7/1 ARM

5.000%

5.531%

0.000

DCU Digital Federal Credit Union

10-Year Fixed

5.250%

5.545%

1.000

First FSB of Champaign Urbana

10-Year Fixed

5.500%

5.569%

0.000

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

Hatboro Federal Savings

15-Year Fixed

5.250%

5.629%

2.000

State Employees Credit Union

15-Year Fixed

5.500%

5.637%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.500%

5.637%

0.000

North Carolina Press Association Federal Credit Union

5 Year ARM

5.500%

5.658%

0.000

Chartway Credit Union

5/1 ARM

5.625%

5.693%

0.000

DCU Digital Federal Credit Union

15-Year Fixed

5.500%

5.728%

1.125

PNB of Kewanee

30-Year Fixed

5.560%

5.730%

0.000

Piedmont Advantage Credit Union

15-Year Fixed

5.500%

5.759%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.750%

5.776%

0.000

PNB of Kewanee

15-Year Fixed

5.500%

5.785%

0.000

Hatboro Federal Savings

10-Year Fixed

5.250%

5.791%

2.000

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have United Business Bank rate data right now, check back for updates, we are adding rates all the time.

United Business Bank Information

United Business Bank

500 Ygnacio Valley Rd
Walnut Creek, CA 94596
Contra Costa
Established Date: 07/20/2004
FDIC Certificate #: 57716
Date of FDIC Deposit Insurance: 07/20/2004

Bank Holding Company: BAYCOM CORP

How Many Domestic U.S. Offices? 35

How Many Branches are There? 35

Website: https://www.unitedbusinessbank.com

Is United Business Bank FDIC Insured? Yes

What is United Business Bank's Cert number? 57716

What is the maximum amount for insured deposits? $250,000 per holder, per account

United Business Bank Financials

Total Assets:

$2,543,555,000

Total Deposits:

$2,148,266,000

Equity Capital:

$365,601,000

Domestic Deposits:

$2,148,266,000

Net Income:

$6,182,000

Return on Assets:

1.3033%

Quarterly Return on Assets:

0.9700%

Pretax Return on Assets:

1.3510%

Pretax Quarterly Return on Assets:

1.3500%

Return on Equity:

9.0800%

Quarterly Return on Equity:

6.8300%

Common Equity Tier 1 Capital Ratio:

17.2032%

Tier 1 Risk-Based Capital Ratio:

17.2032%

Leverage Tier 1 (Core Capital) Ratio:

13.2560%

Total Risk-Based Capital Ratio (YTD):

18.2284%

Total Interest Income (YTD):

5.3166%

Headquarters:

Walnut Creek

FDIC Field Office:

San Francisco

Regulator:

FED

County:

Contra Costa

# of Offices:

Metropolitan Statistical Area (MSA):

San Francisco-Oakland-Berkeley, CA

Consolidated Metropolitan Statistical Area (CMSA):

San Francisco-Oakland-San Jose, CA

OTS Region:

Western

FDIC Region:

San Francisco

Source: FDIC Last Updated 03/31/2024

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