What are the current interest rates at United Security Bank?

Current rates for United Security Bank include: 12-Month CD: 0.70%, 18-Month CD: 0.75%, 24-Month CD: 0.38%, 36-Month CD: 0.48%, 48-Month CD: 0.90%, 60-Month CD: 0.68%, Savings: 0.10%, MMA: 0.17%

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United Security Bank Rates & Review April 2026

Q: How many branches does United Security Bank operate?

United Security Bank currently maintains approximately 14 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 Security 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 Security 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 2, 2026

United Security Bank's 5 years CD & over rates are at 1.26%, Certificates of Deposit 5 years rates are at 1.25%, 5 years CD rates are at 1.11%, Certificates of Deposit 5 years rates are at 1.10%, 4 years CD & over rates are at 1.01%. United Security Bank's savings rates are at 0.10%. United Security Bank's money market rates are at 0.17%. MonitorBankRates evaluates the financial stability of United Security Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.38%. Rates were last updated on 04/02/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.38%

Excellent Higher than avg

United Security Bank

2126 Inyo St
Fresno, CA 93721

https://www.unitedsecuritybank.com

United Security Bank CD Rates

Product	Rate	APY	Term
5 years CD & over	-	1.26%	5
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 5 years	-	1.25%	5 years
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
5 years CD	-	1.11%	5
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 5 years	-	1.10%	5 years
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
4 years CD & over	-	1.01%	4
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 4 years	-	1.00%	4 years
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
3 years CD & over	-	0.90%	3
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
4 years CD	-	0.90%	4
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 3 years	-	0.90%	3 years
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 4 years	-	0.90%	4 years
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
18 month CD & over	-	0.85%	18
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
2 years CD & over	-	0.85%	2
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 18 month	-	0.85%	18 months
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 2 years	-	0.85%	2 years
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
1 year CD & over	-	0.80%	1
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
270 days CD & over	-	0.80%	270
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
3 years CD	-	0.80%	3
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 1 year	-	0.80%	1 year
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 270 days	-	0.80%	270 days
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 3 years	-	0.80%	3 years
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
18 month CD	-	0.75%	18
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
2 years CD	-	0.75%	2
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 18 month	-	0.75%	18 months
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 2 years	-	0.75%	2 years
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
180 days CD & over	-	0.72%	180
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
30 days CD & over	-	0.72%	30
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
90 days CD & over	-	0.72%	90
Min Deposit $100,000 Details $100,000; CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 180 days	-	0.72%	180 days
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 30 days	-	0.72%	30 days
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 90 days	-	0.72%	90 days
Min Deposit $100,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
1 year CD	-	0.70%	1
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
270 days CD	-	0.70%	270
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 1 year	-	0.70%	1 year
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 270 days	-	0.70%	270 days
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
CDARS 5 years	-	0.68%	5 years
Min Deposit $10,000 Details CDARS requires a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage Yield (APY). Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
180 days CD	-	0.62%	180
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
30 days CD	-	0.62%	30
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
90 days CD	-	0.62%	90
Min Deposit $1,000 Details CDs require a minimum of $1,000.00 to open and earn the APY. Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 180 days	-	0.62%	180 days
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 30 days	-	0.62%	30 days
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Certificates of Deposit 90 days	-	0.62%	90 days
Min Deposit $1,000 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
CDARS 3 years	-	0.48%	3 years
Min Deposit $10,000 Details CDARS requires a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage Yield (APY). Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
CDARS 2 years	-	0.38%	2 years
Min Deposit $10,000 Details CDARS requires a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage Yield (APY). Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
CDARS 52 weeks	-	0.23%	52 weeks
Min Deposit $10,000 Details CDARS requires a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage Yield (APY). Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
CDARS 26 weeks	-	0.18%	26 weeks
Min Deposit $10,000 Details CDARS requires a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage Yield (APY). Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
CDARS 13 weeks	-	0.15%	13 weeks
Min Deposit $10,000 Details CDARS requires a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage Yield (APY). Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
CDARS 4 weeks	-	0.15%	4 weeks
Min Deposit $10,000 Details CDARS requires a minimum of $10,000.00 to open and to earn the disclosed Annual Percentage Yield (APY). Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawal. Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%

United Security Bank Savings Rates

Product	Rate	APY
Individual Retirement Account Savings	0.40%	0.40%
Min Deposit $100 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Business Savings	0.10%	0.10%
Min Deposit $100 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Personal Savings	0.10%	0.10%
Min Deposit $100 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%

United Security Bank Checking Rates

Product	Rate	APY
Money Market Checking Account	1.50%	1.51%
Min Deposit $2,500 Min Balance $7,000,000 Details Qualifying balance up to $7,000,000.00 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Money Market Checking Account	1.20%	1.21%
Min Deposit $2,500 Min Balance $3,000,000 Details Qualifying balance up to $6,999,999.99 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Money Market Checking Account	0.80%	0.80%
Min Deposit $2,500 Min Balance $1,500,000 Details Qualifying balance up to $2,999,999.99 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Money Market Checking Account	0.60%	0.60%
Min Deposit $2,500 Min Balance $750,000 Details Qualifying balance up to $1,499,999.99 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Money Market Checking Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $500,000 Details Qualifying balance up to $749,999.99 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Money Market Checking Account	0.40%	0.40%
Min Deposit $2,500 Min Balance $150,000 Details Qualifying balance up to $499,999.99 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Money Market Checking Account	0.30%	0.30%
Min Deposit $2,500 Min Balance $50,000 Details Qualifying balance up to $149,999.99 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Money Market Checking Account	0.17%	0.17%
Min Deposit $2,500 Min Balance $2,500 Details Qualifying balance up to $49,999.99 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%
Senior Classic Checking Account	0.10%	0.10%
Min Deposit $100 Last Updated 04/02/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.38%

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 Security 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 Security 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 Security Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name United Security Bank

Bank Holding Company UNITED SECURITY BANCSHARES

Address 2126 Inyo St, Fresno, CA 93721 · Fresno

Website https://www.unitedsecuritybank.com

FDIC Certificate # 27132

Established 12/21/1987

FDIC Insurance Date 12/21/1987

Domestic Offices 14

Total Branches 14

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.38%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6073%

Return on Equity (ROE) 16.7700%

Non-Performing Loans (NPL) 1.13%

Total Assets $1,247,246,000

Total Deposits $1,092,008,000

Equity Capital $142,754,000

Net Income $13,166,000

Headquarters Fresno

Total Offices 14

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About United Security Bank

Is United Security Bank a safe place to deposit money?

Yes, United Security Bank is considered a safe financial institution. With a Texas Ratio of 11.384585608181%, 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 Security Bank operate?

United Security Bank currently maintains approximately 14 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 Security 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 Security Bank provides members with tools to manage their accounts and build a solid financial history.

Does United Security Bank offer online and mobile banking?

Most modern institutions like United Security 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.unitedsecuritybank.com.