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

Today's 12-month CD rates can be found at 1.01%, 6-month CD rates at 4.35% and 3-month CD rates at 0.50%. Current savings rates are at 0.50% and money market rates are at 0.50%. Mortgage rates today on 30-year fixed loans are around 6.76%. Credit Card rates are at 13.74%. Personal Loan rates are at 12.74%. All these rates, and more, can be found in our database of rates. United Valley Bank's 6-Month CD rates are at 4.00%, 3-Month CD rates are at 4.00%, 12-Month CD rates are at 3.25%, 36-Month CD rates are at 3.00%, 24-Month CD rates are at 3.00%. United Valley Bank's savings rates are at 0.25%.

United Valley Bank

To see how these rates compare to United Valley Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from United Valley 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 Valley Bank CD rates. You can also compare United Valley Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

United Valley Bank Texas Ratio

United Valley Bank's Texas Ratio is at 19.88%, which is considered excellent. The Texas Ratio for United Valley Bank is higher 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 Valley 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

3.25%

2.52%

18-Month CD

N/A

2.27%

24-Month CD

3.00%

2.25%

36-Month CD

3.00%

2.18%

48-Month CD

N/A

2.14%

60-Month CD

3.00%

2.26%

Savings

0.25%

0.62%

MMA

N/A

0.80%

30-Year Fixed

N/A

6.51%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

United Valley Bank

211 Division Ave S
Cavalier, ND 58220

https://www.uvbank.net

MonitorBankRates' Rating

5/5

★★★★★

Review United Valley Bank

United Valley Bank CD Rates and Interest Rates

United Valley Bank

6-Month CD

4.00%

$500

United Valley Bank

3-Month CD

4.00%

$500

United Valley Bank

12-Month CD

3.25%

$500

United Valley Bank

60-Month CD

3.00%

$500

United Valley Bank

36-Month CD

3.00%

$500

United Valley Bank

24-Month CD

3.00%

$500

United Valley Bank

Preferred Savings

1.50%

United Valley Bank

Valley Savings

0.25%

$200

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 Valley Bank Rates with Other Competitive Bank and Credit Union Rates

Bankwell Bank

6-Month CD

4.20%

$1,000

GTE Financial Credit Union

60-Month CD

4.07%

$500

FinWise Bank

24-Month CD

4.00%

$500

All America Bank

Mega Money Market Checking

3.85%

$500

First Commerce Bank Lewisburg, TN

6-Month CD

3.79%

$1,000

Customers Bank

24-Month CD

3.75%

$500

Rolette State Bank

48-Month CD

3.73%

$500

Home Federal Bank of Tennessee

6-Month CD

3.50%

$500

AAC Credit Union

60-Month CD

3.50%

$500

Perryton National Bank

24-Month CD

3.44%

$500

Bank of Rantoul

48-Month CD

3.34%

$500

First Federal S&L of McMinnville

24-Month CD

3.25%

$500

Primebank

18-Month CD

3.25%

$1,000

Phoenixville Federal B&T

18-Month CD

3.10%

$500

Achieve Financial Credit Union

60-Month CD

3.05%

$1,000

Haven Savings Bank

Step-Up Money Market

3.00%

$25,000

LMCU Lake Michigan Credit Union

Max Checking

3.00%

Falcon National Bank

36-Month CD

2.75%

$500

New Market Bank

36-Month CD

2.55%

$500

Campbell & Fetter Bank

36-Month CD

2.52%

$1,000

Bank Forward

12-Month CD

2.50%

$500

American Bank & Trust Co, Inc.

Personal Money Market

2.35%

$2,500

Bank of Hillsboro

60-Month CD

2.33%

$1,000

Artisans Bank

30-Month CD

2.00%

$1,500

First Fidelity Bank Fort Payne, AL

36-Month CD

1.76%

$1,000

First State Bank New London, WI

36-Month CD

1.66%

$5,000

F&M Bank Laotto, IN

12-Month CD

1.51%

$500

Senath State Bank

Money Market

1.51%

$2,500

FNB of Hope

36-Month CD

1.46%

$500

Continental Bank

18-Month CD

0.80%

$25,000

First National Bank of Bemidji

Statement Savings

0.80%

$200

American National Bank - Fox Cities

12-Month CD

0.75%

$500

Bank of Luxemburg

Advantage Checking

0.50%

$50,000

Bath State Bank

60-Month CD

0.50%

$500

Main Street Bank Corp

48-Month CD

0.50%

$1,000

Spring Valley City Bank

Platinum Money Market

0.50%

Access Community Credit Union

Money Market

0.50%

$2,500

Nebraska State Bank and Trust Company

Money Market

0.40%

$1,000

Peoples First Savings Bank

12-Month CD

0.30%

$500

Access Bank

Classic Access Savings

0.25%

$1,000

Farmers State Bank Wathena, KS

Money Market

0.10%

$2,500

First National Bank and Trust AL

Money Market

0.05%

$50

Mayville State Bank

Money Market

0.05%

$100,000

The Bank of Bourbonnais

24-Month CD

0.05%

$500

Thomaston Savings Bank

Savings

0.05%

StonehamBank

Optimum Savings

0.05%

$10

United Southern Bank

Money Market

0.05%

$5,000

1st Bank Yuma

1st Rate Rewards Checking

0.05%

167th TFR Federal Credit Union

Share Savings

0.05%

First Federal S&L Newark, OH

First Savers Savings

0.01%

$10

Disclaimer

Mortgage Rates November 17, 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 Valley Bank Information

United Valley Bank

211 Division Ave S
Cavalier, ND 58220
Pembina
Established Date: 08/25/1905
FDIC Certificate #: 15478
Date of FDIC Deposit Insurance: 03/22/1937

Bank Holding Company: FIRST HOLDING CO CAVALIER INC

How Many Domestic U.S. Offices? 8

How Many Branches are There? 8

Website: https://www.uvbank.net

Is United Valley Bank FDIC Insured? Yes

What is United Valley Bank's Cert number? 15478

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

United Valley Bank Financials

Total Assets:

$632,083,000

Total Deposits:

$571,353,000

Equity Capital:

$54,177,000

Domestic Deposits:

$571,353,000

Net Income:

$1,684,000

Return on Assets:

1.2049%

Quarterly Return on Assets:

1.0600%

Pretax Return on Assets:

1.0641%

Pretax Quarterly Return on Assets:

1.0600%

Return on Equity:

14.6900%

Quarterly Return on Equity:

12.4200%

Common Equity Tier 1 Capital Ratio:

11.4933%

Tier 1 Risk-Based Capital Ratio:

11.4933%

Leverage Tier 1 (Core Capital) Ratio:

8.9226%

Total Risk-Based Capital Ratio (YTD):

12.6535%

Total Interest Income (YTD):

4.5963%

Headquarters:

Cavalier

FDIC Field Office:

Fargo

Regulator:

FDIC

County:

Pembina

# of Offices:

Metropolitan Statistical Area (MSA):

Consolidated Metropolitan Statistical Area (CMSA):

OTS Region:

West

FDIC Region:

Kansas City

Source: FDIC Last Updated 03/31/2024

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

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Mortgage Rates Decrease: 30 Year Mortgage Rates at 4.97%

Mortgage rates were down in the latest mortgage survey released yesterday. 30 year fixed mortgage rates are back under 5.00 percent at 4.97 percent for the week ending March 4, 2010. Last week 30 year mortgage rates were averaging 5.05 percent. Average mortgage discount points were unchanged at 0.7 points.

Bank CD Rates in Boston, MA

Current national average CD rates at banks and credit unions are low these days but rates are expected to head higher later this year. Current 24 month bank CD rates are averaging 1.373 percent, current 36 month CD rates at banks are averaging 1.801 and 48 month CD rates at banks are averaging 1.976 percent. Of course you can find CD rates higher than the national averages.