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United Pacific Bank Rates & Review November 2026

Q: What are the current interest rates at United Pacific Bank?

Current rates for United Pacific Bank include: 18-Month CD: 1.00%, Savings: 0.45%, MMA: 0.60%

Q: What CD terms does United Pacific Bank offer?

United Pacific Bank CD rates are 1.00% APY for an 18 month CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with United Pacific Bank for its full lineup.

Q: How many branches does United Pacific Bank operate?

United Pacific Bank currently maintains approximately 2 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 Pacific 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

United Pacific Bank's Individual Retirement Account (IRA) - 18-Month rates are at 1.00%. United Pacific Bank's savings rates are at 0.45%. United Pacific Bank's money market rates are at 0.60%. United Pacific Bank's checking rates are as high as 0.25%. United Pacific Bank's savings rates are 80% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of United Pacific Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.00%. Rates last updated and verified on 11/06/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.00%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

United Pacific Bank

1630 S Azusa Ave
City Of Industry, CA 91748

https://www.upbnet.com

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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 Pacific Bank CD Rates

Product	Rate	APY	Term	Min. Deposit	View More
Individual Retirement Account (IRA) - 18-month	1.00%	1.00%	18 months	$100
Min Deposit $100 Details Deposit Amount: $100 & Up; Effective date: 10/19/2026; Early withdrawal may be subject to penalty Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%

United Pacific Bank Savings Rates

Product	Rate	APY
Personal Platinum Money Market Savings	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Minimum Daily Balance of $15,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Platinum Money Market Savings	0.45%	0.45%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Minimum Daily Balance of $15,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Platinum Money Market Savings	0.40%	0.40%
Min Balance $100,000 Details Balance: $100,000 - $499,999.99; Minimum Daily Balance of $15,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 - $399,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.35%	0.35%
Min Balance $400,000 Details Balance: $400,000 - $599,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.35%	0.35%
Min Balance $600,000 Details Balance: $600,000 - $999,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.35%	0.35%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Platinum Money Market Savings	0.30%	0.30%
Min Balance $15,000 Details Balance: $15,000 - $99,999.99; Minimum Daily Balance of $15,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Kids Savings	0.18%	0.18%
Min Deposit $50 Details Balance: All Deposit Amounts; $50 Minimum Opening Balance Required Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.18% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Super Savings	0.15%	0.15%
Min Balance $500 Details Balance: All Deposit Amounts; Minimum daily balance of $500 to obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Regular Savings Account	0.15%	0.15%
Min Balance $100 Details Balance: All Deposit Amounts; Minimum Daily Balance of $100 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%

United Pacific Bank Business Savings Rates

Product	Rate	APY
Business Money Market Savings	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 - $399,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.35%	0.35%
Min Balance $400,000 Details Balance: $400,000 - $599,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.35%	0.35%
Min Balance $600,000 Details Balance: $600,000 - $999,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.35%	0.35%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Super Savings	0.15%	0.15%
Min Balance $500 Details Balance: All Deposit Amounts; Minimum daily balance of $500 to obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%

United Pacific Bank Money Market Rates

Product	Rate	APY
Personal High Yield Money Market	0.60%	0.60%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Minimum Daily Balance of $100,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal High Yield Money Market	0.55%	0.55%
Min Balance $600,000 Details Balance: $600,000 - $999,999; Minimum Daily Balance of $100,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal High Yield Money Market	0.50%	0.50%
Min Balance $400,000 Details Balance: $400,000 - $599,999; Minimum Daily Balance of $100,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal High Yield Money Market	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000 - $399,999; Minimum Daily Balance of $100,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Platinum Money Market Savings	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Minimum Daily Balance of $15,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Platinum Money Market Savings	0.45%	0.45%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Minimum Daily Balance of $15,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Platinum Money Market Savings	0.40%	0.40%
Min Balance $100,000 Details Balance: $100,000 - $499,999.99; Minimum Daily Balance of $15,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 - $399,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.35%	0.35%
Min Balance $400,000 Details Balance: $400,000 - $599,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.35%	0.35%
Min Balance $600,000 Details Balance: $600,000 - $999,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.35%	0.35%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Platinum Money Market Savings	0.30%	0.30%
Min Balance $15,000 Details Balance: $15,000 - $99,999.99; Minimum Daily Balance of $15,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%

United Pacific Bank Business Money Market Rates

Product	Rate	APY
Business High Yield Money Market	0.60%	0.60%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Minimum Daily Balance of $100,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business High Yield Money Market	0.55%	0.55%
Min Balance $600,000 Details Balance: $600,000 - $999,999; Minimum Daily Balance of $100,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business High Yield Money Market	0.50%	0.50%
Min Balance $400,000 Details Balance: $400,000 - $599,999; Minimum Daily Balance of $100,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business High Yield Money Market	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000 - $399,999; Minimum Daily Balance of $100,000 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 - $399,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.35%	0.35%
Min Balance $400,000 Details Balance: $400,000 - $599,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.35%	0.35%
Min Balance $600,000 Details Balance: $600,000 - $999,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.35%	0.35%
Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Savings	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%

United Pacific Bank Checking Rates

Product	Rate	APY
Personal Money Market Checking	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 & Over; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal High Yield Checking	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 & Over; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Checking	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal High Yield Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal High Yield Checking	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Money Market Checking	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal High Yield Checking	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%

United Pacific Bank Business Checking Rates

Product	Rate	APY
Business Money Market Checking	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 & Over; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business High Yield Checking	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 & Over; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Checking	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business High Yield Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business High Yield Checking	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business Money Market Checking	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Business High Yield Checking	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Minimum Daily Balance of $2,500 to Obtain the APY Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%

United Pacific Bank Other Rates

Product	Rate	Points	APY/APR
Business Super NOW	0.10%	-	0.10%
Min Deposit $1,000 Details Balance: All Deposit Amounts; $1,000 Minimum Opening Balance Required Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%
Personal Super NOW	0.10%	-	0.10%
Min Deposit $200 Details Balance: All Deposit Amounts; $200 Minimum Opening Balance Required Last Updated 11/06/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.00%

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.

Financial Health History

United Pacific Bank’s Texas Ratio fell from 15.96% in Q3 2023 to 12.00% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0 and its Health Grade from A- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$191M	12.00%	5.0	A
March 31, 2026	$187M	0.64%	5.0	A+
December 31, 2025	$186M	0.68%	5.0	A+
September 30, 2025	$187M	0.71%	5.0	A+
June 30, 2025	$176M	0.00%	5.0	A+
March 31, 2025	$164M	0.00%	5.0	A+
December 31, 2024	$160M	0.00%	5.0	A+
September 30, 2024	$155M	0.00%	5.0	A+
June 30, 2024	$156M	0.00%	5.0	A+
March 31, 2024	$156M	0.00%	5.0	A+
December 31, 2023	$151M	15.76%	4.9	A-
September 30, 2023	$154M	15.96%	4.9	A-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

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

Bank Profile & Overview

Bank Name United Pacific Bank

Website https://www.upbnet.com

Address 1630 S Azusa Ave, City Of Industry, CA 91748 · Los Angeles

FDIC Certificate # 23805

Regulator FDIC

Established May 11, 1982

FDIC Insurance Date May 11, 1982

Domestic Offices 2

Total Branches 2

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.00%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.3978%

Return on Equity (ROE)

2.3300%

Non-Performing Loans Ratio (NPL)

2.03%

Total Assets

$191,036,000

Total Deposits

$156,802,000

Equity Capital

$32,274,000

Net Income

$374,000

Headquarters

City Of Industry

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

United Pacific Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About United Pacific Bank

Does United Pacific Bank offer CDs?

Yes. United Pacific Bank current CD rates include its Individual Retirement Account (IRA) - 18-Month CD at 1.00% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from United Pacific Bank FDIC insured?

Yes. United Pacific 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 Pacific Bank?

The highest United Pacific Bank CD rate is its Individual Retirement Account (IRA) - 18-Month CD at 1.00% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does United Pacific Bank offer?

United Pacific Bank CD rates are 1.00% APY for an 18 month CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with United Pacific Bank for its full lineup.

What is the highest savings rate at United Pacific Bank?

The highest United Pacific Bank savings rate is its Kids Savings at 0.18% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at United Pacific Bank?

The highest United Pacific Bank money market rate is its Business High Yield Money Market at 0.60% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at United Pacific Bank?

The highest United Pacific Bank checking rate is its Business Money Market Checking at 0.30% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does United Pacific Bank operate?

United Pacific Bank currently maintains approximately 2 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 Pacific 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 Pacific Bank provides members with tools to manage their accounts and build a solid financial history.

Does United Pacific Bank offer online and mobile banking?

Most modern institutions like United Pacific 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.upbnet.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 Pacific Bank rates compare?

United Pacific Bank's savings rates are 80% lower than the MonitorBankRates national average, and it has an A health rating. United Pacific Bank's top rates are its 18-Months Individual Retirement Account (IRA) - 18-Month CD at 1.00% APY, its Personal Platinum Money Market Savings at 0.45% APY, its Business High Yield Money Market at 0.60% APY and its Business High Yield Checking at 0.25% APY, verified by MonitorBankRates on November 6, 2026.

Current United Pacific Bank Rates

18-Month CD1.00%
Savings0.45%
MMA0.60%

Retrieved from our database of financial products. Rates subject to change.

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United Pacific Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

United Pacific Bank Texas Ratio

United Pacific Bank Health Trend

United Pacific Bank CD Rates

United Pacific Bank Savings Rates

United Pacific Bank Business Savings Rates

United Pacific Bank Money Market Rates

United Pacific Bank Business Money Market Rates

United Pacific Bank Checking Rates

United Pacific Bank Business Checking Rates

United Pacific Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

United Pacific Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About United Pacific Bank

Does United Pacific Bank offer CDs?

Are CDs from United Pacific Bank FDIC insured?

What is the highest CD rate at United Pacific Bank?

What CD terms does United Pacific Bank offer?

What is the highest savings rate at United Pacific Bank?

What is the highest money market rate at United Pacific Bank?

What is the highest checking rate at United Pacific Bank?

How many branches does United Pacific Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does United Pacific Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do United Pacific Bank rates compare?

Current United Pacific Bank Rates

Compare to Other Banks