United Community Bank Rates and Review March 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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United Community Bank's 6-month CD rates are at 3.65%, 14-month CD rates are at 2.90%. 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 3.01%. Rates were last updated on 03/05/2026.
Rate Updates and AvailabilityUnited 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. United Community Bank Texas RatioUnited Community Bank's Texas Ratio is at 3.01%, which is considered excellent. The Texas Ratio for United Community 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. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
United Community Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, United Community Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 98/100
United Community Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/05/2026 
Current Rate AvailabilityWe do not have United Community Bank rates right now, but we are constantly updating our database so check back often for updated rates. 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 & OverviewUnited Community Bank
200 E Camperdown WayGreenville, SC 29601 Greenville Established Date: 03/01/1950 FDIC Certificate #: 16889 Date of FDIC Deposit Insurance: 03/01/1950 Bank Holding Company: UNITED COMMUNITY BANKS INC How Many Domestic U.S. Offices? 191 How Many Branches are There? 191 Website: https://www.ucbi.com
Is United Community Bank FDIC Insured? Yes
What is United Community Bank's Cert number? 16889
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (98/100)
Texas Ratio:
3.01%
Return on Assets (ROA):
0.9475%
Return on Equity (ROE):
8.2800%
Non-Performing Loans (NPL):
0.32%
Total Assets:
$27,929,114,000
Total Deposits:
$24,136,285,000
Equity Capital:
$3,391,455,000
Net Income:
$333,146,000
Headquarters:
Greenville
Regulator:
FED
# of Offices:
191
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for United Community Bank yet. Feel free to create one below.
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Frequently Asked Questions About United Community BankHow do I open an account at United Community Bank?You can typically open an account at United Community Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, United Community Bank provides a range of mortgage and home equity products. Is United Community Bank a safe place to deposit money?Yes, United Community Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does United Community Bank offer online and mobile banking?Most modern institutions like United Community Bank provide digital access including online balance checks and transfers. Compare to other Banks |
