What are the current interest rates at United Minnesota Bank?

Current rates for United Minnesota Bank include: 12-Month CD: 0.85%, 18-Month CD: 1.00%, 24-Month CD: 1.10%, 36-Month CD: 1.20%, 48-Month CD: 1.30%, 60-Month CD: 1.40%, Savings: 0.20%, MMA: 0.75%

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United Minnesota Bank Rates & Review May 2026

Q: How many branches does United Minnesota Bank operate?

United Minnesota Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, United Minnesota 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Minnesota 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: May 3, 2026

United Minnesota Bank's 60-Month Certificate of Deposit rates are at 1.40%, 48-Month Certificate of Deposit rates are at 1.30%, 36-Month Certificate of Deposit rates are at 1.20%, 24-Month Certificate of Deposit rates are at 1.10%, 18-Month Certificate of Deposit rates are at 1.00%. United Minnesota Bank's savings rates are at 0.20%. United Minnesota Bank's money market rates are at 0.75%. MonitorBankRates evaluates the financial stability of United Minnesota Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.29%. Rates were last updated on 05/03/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.29%

Excellent Higher than avg

United Minnesota Bank

105 Central Ave E
New London, MN 56273

https://www.umbnl.com

United Minnesota Bank CD Rates

Product	Rate	APY	Term
60 Month Certificate of Deposit	1.40%	1.40%	60 Month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
48 Month Certificate of Deposit	1.30%	1.30%	48 Month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
36 Month Certificate of Deposit	1.20%	1.20%	36 Month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
24 Month Certificate of Deposit	1.10%	1.10%	24 Month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
18 Month Certificate of Deposit	1.00%	1.00%	18 Month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
12 Month Certificate of Deposit	0.85%	0.85%	12 Month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
182 Day Certificate of Deposit	0.50%	0.50%	182 Day
Min Deposit $1,000 Details Penalty may be imposed for early withdrawal. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
91 Day Certificate of Deposit	0.25%	0.25%	91 Day
Min Deposit $1,000 Details Penalty may be imposed for early withdrawal. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%

United Minnesota Bank Savings Rates

Product	Rate	APY
Health Savings Account	0.20%	0.20%
Min Deposit $50 Details The interest rate and annual percentage yield may change after account opening. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
Kids Savings Account	0.20%	0.20%
Min Deposit $10 Details The interest rate and annual percentage yield may change after account opening. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
Savings Account	0.20%	0.20%
Min Deposit $50 Details The interest rate and annual percentage yield may change after account opening. Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%

United Minnesota Bank Money Market Rates

Product	Rate	APY
Platinum Money Market	1.25%	1.25%
Min Deposit $200,000 Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
Platinum Money Market	1.05%	1.05%
Min Deposit $75,000 Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
Platinum Money Market	0.95%	0.95%
Min Deposit $25,000 Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%
Platinum Money Market	0.75%	0.75%
Min Deposit $2,500 Last Updated 05/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.29%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

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

Bank Profile & Overview

Institution Name United Minnesota Bank

Bank Holding Company CARLSON BANKSHARES INC

Address 105 Central Ave E, New London, MN 56273 · Kandiyohi

Website https://www.umbnl.com

FDIC Certificate # 10567

Established 05/05/1890

FDIC Insurance Date 01/01/1934

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9211%

Return on Equity (ROE) 27.7600%

Non-Performing Loans (NPL) 0.58%

Total Assets $52,447,000

Total Deposits $48,136,000

Equity Capital $4,113,000

Net Income $581,000

Headquarters New London

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About United Minnesota Bank

Is United Minnesota Bank a safe place to deposit money?

Yes, United Minnesota Bank is considered a safe financial institution. With a Texas Ratio of 8.2904361961528%, 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 Minnesota Bank operate?

United Minnesota Bank currently maintains approximately 1 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 Minnesota 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 Minnesota Bank provides members with tools to manage their accounts and build a solid financial history.

Does United Minnesota Bank offer online and mobile banking?

Most modern institutions like United Minnesota 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.umbnl.com.