What are the current interest rates at United State Bank Lewistown, MO?

Current rates for United State Bank Lewistown, MO include: 12-Month CD: 3.60%, 18-Month CD: 3.50%, 24-Month CD: 3.40%, 36-Month CD: 3.10%, 48-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.25%, MMA: 1.36%

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United State Bank Lewistown, MO

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United State Bank Lewistown, MO Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United State Bank Lewistown, MO 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: October 11, 2026

United State Bank Lewistown, MO's top rates as of October 11, 2026 are 3.60% APY on its 12-Months 12-Month Certificate, 0.25% APY on savings, 1.36% APY on money market accounts, and 1.00% APY on checking, according to rates verified by MonitorBankRates. Other United State Bank Lewistown, MO CD rates include 18-Months 18-Month Certificate at 3.50%, 24-Months 24-Month Certificate at 3.40%, and 30-Months 30-Month Certificate at 3.20%. MonitorBankRates evaluates the financial stability of United State Bank Lewistown, MO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.50%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.50%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

United State Bank

102 W Main St
Lewistown, MO 63452

https://www.usb1.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 State Bank Lewistown, MO CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.542%	3.60%	12 months
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
18 Month Certificate	3.445%	3.50%	18 months
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
24 Month Certificate	3.348%	3.40%	24 months
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
30 Month Certificate	3.154%	3.20%	30 months
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
36 Month Certificate	3.057%	3.10%	36 months
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
182 Day Certificate	3.057%	3.06%	182 days
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
48 Month Certificate	2.96%	3.00%	48 months
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
60 Month Certificate	2.96%	3.00%	60 months
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
90 Day Certificate	1.15%	1.15%	90 days
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
30 Day Certificate	0.50%	0.50%	30 days
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
60 Day Certificate	0.50%	0.50%	60 days
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

United State Bank Lewistown, MO Savings Rates

Product	Rate	APY	View More
Regular Savings	0.25%	0.25%
Min Deposit $50 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

United State Bank Lewistown, MO Money Market Rates

Product	Rate	APY
Advantage Money Market	1.35%	1.36%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - and above Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.36% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
USB Plus Money Market	1.25%	1.26%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000.00 and above Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Advantage Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Advantage Money Market	0.75%	0.75%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
USB Plus Money Market	0.75%	0.75%
Min Deposit $25,000 Min Balance $0 Details Balance: $0.01 - $24,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

United State Bank Lewistown, MO Checking Rates

Product	Rate	APY
First Security Checking	1.00%	1.00%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500.00 and above Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
First Security Checking	0.75%	0.75%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
NOW Checking	0.25%	0.25%
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Hometown Checking	0.02%	0.02%
Min Deposit $100 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

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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Financial Health History

United State Bank Lewistown, MO’s Texas Ratio stayed near 0.80% in Q3 2023 to 0.50% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$290M	0.50%	5.0	A+
March 31, 2026	$289M	0.61%	5.0	A+
December 31, 2025	$284M	0.57%	5.0	A+
September 30, 2025	$289M	0.53%	5.0	A+
June 30, 2025	$280M	0.58%	5.0	A+
March 31, 2025	$280M	2.15%	5.0	A+
December 31, 2024	$274M	0.73%	5.0	A+
September 30, 2024	$268M	1.04%	5.0	A+
June 30, 2024	$268M	2.01%	5.0	A+
March 31, 2024	$272M	1.52%	5.0	A+
December 31, 2023	$269M	0.26%	5.0	A+
September 30, 2023	$265M	0.80%	5.0	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 State Bank Lewistown, MO 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 State Bank Lewistown, MO 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 State Bank Lewistown, MO's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name United State Bank Lewistown, MO

Bank Holding Company RIVER VALLEY BANCSHARES INC

Address 102 W Main St, Lewistown, MO 63452 · Lewis

Website https://www.usb1.com

FDIC Certificate # 12214

Established 19280908

FDIC Insurance Date 19340101

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.50%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7719%

Return on Equity (ROE) 17.4300%

Non-Performing Loans (NPL) 0.05%

Total Assets $290,149,000

Total Deposits $258,396,000

Equity Capital $30,072,000

Net Income $2,550,000

Headquarters Lewistown

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

United State Bank Lewistown, MO earned the Verified Healthy badge

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Frequently Asked Questions About United State Bank Lewistown, MO

How many branches does United State Bank Lewistown, MO operate?

United State Bank Lewistown, MO 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 State Bank Lewistown, MO 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 State Bank Lewistown, MO provides members with tools to manage their accounts and build a solid financial history.

Does United State Bank Lewistown, MO offer online and mobile banking?

Most modern institutions like United State Bank Lewistown, MO 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.usb1.com.