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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 United Community Bank Rates & Review November 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.
Read Full Bio →
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: November 5, 2026
United Community Bank's 8-month CD rates are at 3.80%, 14-month CD rates are at 3.65%. United Community Bank's savings rates are at 0.15%. United Community Bank's money market rates are at 1.15%. United Community Bank's checking rates are as high as 0.85%. United Community Bank's top CD rate of 3.80% APY on an 8 month CD is 32% higher than the MonitorBankRates national average of 2.88% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of United Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.97%. Rates last updated and verified on 11/05/2026. United Community 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 Community Bank? Share your experience about United Community Bank by leaving a review below, or read customer reviews before you decide to use United Community Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. United Community Bank CD Rates
United Community Bank Savings Rates
United Community Bank Business Savings Rates
United Community Bank Money Market Rates
United Community Bank Business Money Market Rates
United Community Bank Checking Rates
United Community Bank Business Checking Rates
United Community Bank Home Equity & HELOC
Financial Health HistoryUnited Community Bank’s Texas Ratio stayed near 2.91% in Q3 2023 to 2.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade
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MonitorBankRates
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 Community Bank 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 Community Bank 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 Community Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
United Community Bank
Website
https://www.ucbi.com
Address
200 E Camperdown Way,
Greenville, SC 29601 · Greenville
Bank Holding Company
UNITED COMMUNITY BANKS INC
FDIC Certificate #
16889
Regulator
FED
Established
March 1, 1950
FDIC Insurance Date
March 1, 1950
Domestic Offices
190
Total Branches
192
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.97%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.3980%
Return on Equity (ROE)
11.6500%
Non-Performing Loans Ratio (NPL)
0.35%
Total Assets
$28,987,812,000
Total Deposits
$24,073,192,000
Equity Capital
$3,422,602,000
Net Income
$198,117,000
Headquarters
Greenville
Total Branches and Offices
190
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for United Community Bank 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.
Add Your Rating and Review for United Community Bank
Frequently Asked Questions About United Community BankDoes United Community Bank offer CDs?Yes. United Community Bank current CD rates include its 8-month CD at 3.80% APY and its 14-month CD at 3.65% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from United Community Bank FDIC insured?Yes. United Community Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at United Community Bank?The highest United Community Bank CD rate is its 8-month CD at 3.80% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does United Community Bank offer?United Community Bank CD rates are 3.80% APY for an 8 month CD and 3.65% APY for a 14 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with United Community Bank for its full lineup. What is the highest savings rate at United Community Bank?The highest United Community Bank savings rate is its United Savings at 0.15% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at United Community Bank?The highest United Community Bank money market rate is its Personal Money Market at 1.15% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at United Community Bank?The highest United Community Bank checking rate is its United Signature Checking at 0.85% APY, verified by MonitorBankRates as of November 5, 2026. How many branches does United Community Bank operate?United Community Bank currently maintains approximately 192 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 Community Bank 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 Community Bank provides members with tools to manage their accounts and build a solid financial history. Does United Community Bank offer online and mobile banking?Most modern institutions like United Community Bank 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.ucbi.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do United Community Bank rates compare?United Community Bank's top CD rate of 3.80% APY on an 8 month CD is 32% higher than the MonitorBankRates national average of 2.88% APY for that term, and it has an A+ health rating. United Community Bank's top rates are its 8-month CD at 3.80% APY, its United Savings at 0.15% APY, its Personal Money Market at 1.15% APY and its United Signature Checking at 0.85% APY, verified by MonitorBankRates on November 5, 2026. Current United Community Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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