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UCB United Cumberland Bank

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UCB United Cumberland Bank Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UCB United Cumberland Bank 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 and Verified: August 29, 2026

UCB United Cumberland Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not UCB United Cumberland Bank, and you can see how they compare in the UCB United Cumberland Bank rate tables below. MonitorBankRates evaluates the financial stability of UCB United Cumberland Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.90%. Database rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

15.90%

Good Higher than avg

United Cumberland Bank

47 S Main St
Whitley City, KY 42653

https://www.unitedcumberland.com

Current Rate Availability

We're not currently displaying rates for UCB United Cumberland Bank, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for UCB United Cumberland 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 UCB United Cumberland 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 UCB United Cumberland Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name UCB United Cumberland Bank

Bank Holding Company MCCREARY BANCSHARES INC

Address 47 S Main St, Whitley City, KY 42653 · Mccreary

Website https://www.unitedcumberland.com

FDIC Certificate # 303

Established 01/01/1906

FDIC Insurance Date 01/01/1934

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

4.9

Exceptional Out of 5.0 Stars

15.90%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9888%

Return on Equity (ROE) 20.7800%

Non-Performing Loans (NPL) 1.27%

Total Assets $453,787,000

Total Deposits $394,327,000

Equity Capital $49,335,000

Net Income $8,139,000

Headquarters Whitley City

Total Branches and Offices 7

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About UCB United Cumberland Bank

How many branches does UCB United Cumberland Bank operate?

UCB United Cumberland Bank currently maintains approximately 7 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, UCB United Cumberland 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, UCB United Cumberland Bank provides members with tools to manage their accounts and build a solid financial history.

Does UCB United Cumberland Bank offer online and mobile banking?

Most modern institutions like UCB United Cumberland 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.unitedcumberland.com.