United Trust Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 3.75%, 6-month CD rates at 2.01% and 3-month CD rates at 2.50%. Current savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.44%. Credit Card rates are at 15.40%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates. United Trust Bank's 6-Month CD rates are at 3.90%, 12-Month CD rates are at 3.80%, 18-Month CD rates are at 3.49%, 24-Month CD rates are at 3.30%, 36-Month CD rates are at 3.25%. United Trust Bank's savings rates are at 0.05%. United Trust Bank's money market rates are at 0.10%.

United Trust Bank

To see how these rates compare to United Trust Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from United Trust Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with United Trust Bank CD rates. You can also compare United Trust Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

United Trust Bank Texas Ratio

United Trust Bank's Texas Ratio is at 2.60%, which is considered excellent. The Texas Ratio for United Trust Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, United Trust Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

3.80%

2.52%

18-Month CD

3.49%

2.27%

24-Month CD

3.30%

2.25%

36-Month CD

3.25%

2.18%

48-Month CD

N/A

2.14%

60-Month CD

N/A

2.26%

Savings

0.05%

0.62%

MMA

0.10%

0.80%

30-Year Fixed

N/A

6.51%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

United Trust Bank

12330 S Harlem Ave
Palos Heights, IL 60463

https://www.utbhome.com

MonitorBankRates' Rating

5/5

★★★★★

Review United Trust Bank

United Trust Bank CD Rates and Interest Rates

United Trust Bank

6-Month CD

3.90%

$3,000

United Trust Bank

12-Month CD

3.80%

$3,000

United Trust Bank

18-Month CD

3.49%

$3,000

United Trust Bank

24-Month CD

3.30%

$3,000

United Trust Bank

36-Month CD

3.25%

$3,000

United Trust Bank

Premium Money Market

0.10%

United Trust Bank

Statement Savings

0.05%

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare United Trust Bank Rates with Other Competitive Bank and Credit Union Rates

Bankwell Bank

6-Month CD

4.20%

$1,000

Community Bank of Wichita

36-Month CD

4.02%

$500

Bar Harbor SLA

6-Month CD

4.00%

$500

Newtown Savings Bank

48-Month CD

4.00%

$500

FinWise Bank

18-Month CD

3.95%

$500

VisionBank Saint Louis Park, MN

18-Month CD

3.90%

$1,000

Table Rock Community Bank

6-Month CD

3.87%

$1,000

Adams State Bank

18-Month CD

3.80%

$1,000

AAC Credit Union

18-Month CD

3.70%

$500

United States Senate Federal Credit Union

12-Month CD (Plus Jumbo)

3.61%

$200,000

Citizens Access

12-Month CD

3.60%

$5,000

Community Commerce Bank

60-Month CD

3.56%

$1,000

Colorado Federal Savings Bank

3-Month CD

3.50%

$5,000

Sandy Spring Bank

12-Month CD

3.40%

$1,000

Parke Bank

48-Month CD

3.30%

$500

First Shore Federal S&L

18-Month CD

3.25%

$500

Ultima Bank Minnesota

36-Month CD (Bump-Up)

3.20%

$1,000

Kirkwood Bank & Trust Co.

60-Month CD

3.00%

$2,500

PCB Payne County Bank

18-Month CD

2.90%

$1,000

Adrian Bank

60-Month CD

2.77%

$1,000

Longview Bank

60-Month CD

2.50%

$500

Service Federal Credit Union

36-Month CD

2.35%

$500

Cape Cod Five Cents Savings Bank

48-Month CD

2.25%

$1,000

Newtek Bank

48-Month CD

2.00%

$2,500

OAB One American Bank

48-Month CD

1.96%

$500

Silver Lake Bank

12-Month CD

1.90%

$500

American National Bank - Fox Cities

60-Month CD

1.85%

$500

Bank of Hillsboro

6-Month CD

1.77%

$1,000

United Bank Zebulon, GA

36-Month CD

1.66%

$500

USAA

60-Month CD

1.25%

$1,000

First Federal S&L Pascagoula, MS

24-Month CD

1.25%

$10,000

First Northern Bank and Trust Company

36-Month CD

1.10%

$1,000

Fairfield County Bank

60-Month CD

1.00%

$2,500

FirstOak Bank

12-Month CD

0.65%

$500

DB&T

48-Month CD

0.60%

$1,000

Brenham National Bank

18-Month CD

0.50%

$1,000

Lincoln Bank of Hodgenville

24-Month CD

0.50%

$500

Republic Bank of Chicago

6-Month CD

0.50%

$1,000

Home Loan SB

6-Month CD

0.35%

$500

Community Bank Delaware

12-Month CD

0.30%

$500

First Bank of Central Ohio

36-Month CD

0.30%

$500

Mutual Federal Bank

Passbook Savings

0.25%

$100

Methuen Co-operative Bank

Savings

0.10%

$25

First National Bank in Amboy

Statement Savings

0.10%

$100

Bank First, NA

First Savings

0.10%

F&M Bank Upperco, MD

NOW Checking

0.03%

$600

First National B&T Co. Clinton, IL

Money Market

0.03%

$2,500

Century Bank Santa Fe, NM

Interest Checking

0.01%

$100

First Bank Creve Coeur, MO

First Plus Checking

0.01%

Bank of Dudley

18-Month CD

0.00%

Disclaimer

Mortgage Rates December 7, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

DCU Digital Federal Credit Union

10-Year Fixed

4.875%

5.195%

1.125

State Employees Credit Union

10-Year Fixed

5.050%

5.243%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.050%

5.243%

0.000

Piedmont Advantage Credit Union

15-Year Fixed

5.000%

5.255%

0.000

Luana Savings Bank

15-Year Fixed

5.250%

5.299%

0.000

Navy Federal Credit Union

15-Year Fixed

5.125%

5.317%

0.250

First FSB of Champaign Urbana

10-Year Fixed

5.250%

5.319%

0.000

Mutual Security Credit Union

5/1 ARM

5.250%

5.362%

0.000

DCU Digital Federal Credit Union

15-Year Fixed

5.125%

5.370%

1.250

North Carolina Press Association Federal Credit Union

5 Year ARM

5.375%

5.378%

0.000

State Employees Credit Union

15-Year Fixed

5.250%

5.386%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.250%

5.386%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.375%

5.400%

0.000

Sikorsky Credit Union

15-Year Fixed

5.375%

5.431%

0.000

A+ Federal Credit Union

15-Year Fixed

5.375%

5.476%

0.000

Abound Federal Credit Union

15-Year Fixed

5.375%

5.512%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Catskill Hudson Bank

15-Year Fixed

5.375%

5.528%

0.623

American Eagle Financial Credit Union

15-Year Fixed

5.375%

5.544%

0.000

GTE Federal Credit Union

15 Year Fixed

5.375%

5.547%

0.500

First FSB of Champaign Urbana

15-Year Fixed

5.500%

5.549%

0.000

American Bank, N.A. Le Mars, IA

10-Year Fixed

5.375%

5.552%

0.500

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

United Trust Bank Information

United Trust Bank

12330 S Harlem Ave
Palos Heights, IL 60463
Cook
Established Date: 11/24/2000
FDIC Certificate #: 35393
Date of FDIC Deposit Insurance: 11/24/2000

Bank Holding Company: UNITED BCORP INC

How Many Domestic U.S. Offices? 1

How Many Branches are There? 1

Website: https://www.utbhome.com

Is United Trust Bank FDIC Insured? Yes

What is United Trust Bank's Cert number? 35393

What is the maximum amount for insured deposits? $250,000 per holder, per account

United Trust Bank Financials

Total Assets:

$163,164,000

Total Deposits:

$110,207,000

Equity Capital:

$13,467,000

Domestic Deposits:

$110,207,000

Net Income:

$110,000

Return on Assets:

0.4256%

Quarterly Return on Assets:

0.2700%

Pretax Return on Assets:

0.4096%

Pretax Quarterly Return on Assets:

0.4100%

Return on Equity:

5.0800%

Quarterly Return on Equity:

3.2600%

Common Equity Tier 1 Capital Ratio:

14.1298%

Tier 1 Risk-Based Capital Ratio:

14.1298%

Leverage Tier 1 (Core Capital) Ratio:

8.1714%

Total Risk-Based Capital Ratio (YTD):

15.0567%

Total Interest Income (YTD):

5.6678%

Headquarters:

Palos Heights

FDIC Field Office:

Chicago

Regulator:

OCC

County:

Cook

# of Offices:

Metropolitan Statistical Area (MSA):

Chicago-Naperville-Elgin, IL-IN-WI

Consolidated Metropolitan Statistical Area (CMSA):

Chicago-Gary-Kenosha, IL-IN-WI

OTS Region:

Central

FDIC Region:

Chicago

Source: FDIC Last Updated 03/31/2024

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