What are the current interest rates at United Midwest Savings Bank?

Current rates for United Midwest Savings Bank include: 12-Month CD: 4.00%

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United Midwest Savings Bank Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Midwest Savings 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: April 23, 2026

United Midwest Savings Bank's 12-Month CD rates are at 4.00%. MonitorBankRates evaluates the financial stability of United Midwest Savings Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.26%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.26%

Excellent Higher than avg

United Midwest Savings Bank

101 S Main St
Degraff, OH 43318

https://www.umwsb.com

United Midwest Savings Bank CD Rates

Product	Rate	APY	Term	View More
12 Month CD	-	4.00%
Details 12 Month CD's with an APY of 4.00% are here! Last Updated 04/23/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.26%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

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

Bank Profile & Overview

Institution Name United Midwest Savings Bank

Bank Holding Company MSB CAPITAL CORP

Address 101 S Main St, Degraff, OH 43318 · Logan

Website https://www.umwsb.com

FDIC Certificate # 32441

Established 05/05/1889

FDIC Insurance Date 08/09/1989

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.26%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7241%

Return on Equity (ROE) 14.5300%

Non-Performing Loans (NPL) 0.82%

Total Assets $506,658,000

Total Deposits $419,457,000

Equity Capital $68,927,000

Net Income $4,859,000

Headquarters Degraff

Total Offices 6

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About United Midwest Savings Bank

Is United Midwest Savings Bank a safe place to deposit money?

Yes, United Midwest Savings Bank is considered a safe financial institution. With a Texas Ratio of 7.2646506065266%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does United Midwest Savings Bank operate?

United Midwest Savings Bank currently maintains approximately 6 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 Midwest Savings 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 Midwest Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does United Midwest Savings Bank offer online and mobile banking?

Most modern institutions like United Midwest Savings 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.umwsb.com.