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

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Today's 12-month CD rates can be found at 0.15%, 6-month CD rates at 0.75% and 3-month CD rates at 0.10%. Current savings rates are at 0.15% and money market rates are at 0.02%. Mortgage rates today on 30-year fixed loans are around 6.68%. Credit Card rates are at 12.74%. Personal Loan rates are at 13.90%. 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%, 60-Month CD rates are at 3.00%, 36-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%
18-Month CD
N/A
24-Month CD
3.00%
36-Month CD
3.00%
48-Month CD
N/A
60-Month CD
3.00%
Savings
0.25%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
United Valley Bank
211 Division Ave S
Cavalier, ND 58220
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

United Valley Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
United Valley Bank
United Valley Bank
6-Month CD
4.00%
$500
United Valley Bank
United Valley Bank
3-Month CD
4.00%
$500
United Valley Bank
United Valley Bank
12-Month CD
3.25%
$500
United Valley Bank
United Valley Bank
60-Month CD
3.00%
$500
United Valley Bank
United Valley Bank
36-Month CD
3.00%
$500
United Valley Bank
United Valley Bank
24-Month CD
3.00%
$500
United Valley Bank
United Valley Bank
Preferred Savings
1.50%
$0
United Valley Bank
United Valley Bank
Valley Savings
0.25%
$200
Show More

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

Bank
Product
APY
Min Dep
Credit Human Federal Credit Union
Credit Human Federal Credit Union
48-Month CD
4.31%
$500
Bank of the Flint Hills
Bank of the Flint Hills
24-Month CD
4.25%
$500
Yakima Federal S&L
Yakima Federal S&L
6-Month CD
4.05%
$500
Cornhusker Bank
Cornhusker Bank
48-Month CD
4.02%
$1,000
GTE Financial Credit Union
GTE Financial Credit Union
18-Month CD (Jumbo)
3.97%
$100,000
ESB Bank
ESB Bank
48-Month CD
3.85%
$10,000
Adams State Bank
Adams State Bank
18-Month CD
3.80%
$1,000
Pentucket Bank
Pentucket Bank
36-Month CD
3.75%
$500
Community Bank of Marshall
Community Bank of Marshall
12-Month CD
3.53%
$1,000
Manasquan Bank
Manasquan Bank
Liquid Platinum Money Market
3.50%
$1,000,000
Suncoast Credit Union
Suncoast Credit Union
60-Month CD
3.50%
$500
State Bank of Scotia
State Bank of Scotia
12-Month CD
3.29%
$1,000
Generations Commercial Bank
24-Month CD
3.25%
$500
Brentwood Bank
Brentwood Bank
60-Month CD
3.00%
$2,000
Northfield Bank
Northfield Bank
60-Month CD
3.00%
$2,500
Lowell Five SB
Lowell Five SB
High Yield Savings
3.00%
$50,000
Hendricks County Bank and Trust
Hendricks County Bank and Trust
30-Month CD
2.53%
$1,000
WCB West Central Bank
WCB West Central Bank
12-Month CD
2.52%
$1,000
MidCountry Bank
MidCountry Bank
12-Month CD
2.50%
$1,000
GCSB Swayzee, IN
GCSB Swayzee, IN
18-Month CD
2.47%
$1,000
HomePride Bank
HomePride Bank
48-Month CD
2.27%
$500
First National Bank Ames, Iowa
First National Bank Ames, Iowa
12-Month CD
2.12%
$1,000
Geddes Federal S&L
Geddes Federal S&L
48-Month CD
1.91%
$500
Headwaters State Bank
Headwaters State Bank
12-Month CD
1.76%
$500
Bank of Easton
Bank of Easton
48-Month CD
1.51%
$500
Central State Bank State Center, IA
Central State Bank State Center, IA
Money Market
1.50%
$5,000
New Market Bank
New Market Bank
3-Month CD
1.31%
$500
Farmers State Bank of Western Illinois
Farmers State Bank of Western Illinois
60-Month CD
1.26%
$500
SSB State Street Bank
SSB State Street Bank
24-Month CD
1.10%
$1,000
TriCentury Bank
TriCentury Bank
6-Month CD
1.00%
$1,000
Cayuga Lake National Bank
Cayuga Lake National Bank
12-Month CD
0.95%
$500
Peoples Trust Co. of St. Albans
Peoples Trust Co. of St. Albans
48-Month CD
0.85%
$500
Citizens National Bank Cameron, TX
Citizens National Bank Cameron, TX
Premier Money Market
0.75%
$25,000
Stryv Bank
Stryv Bank
6-Month CD
0.75%
$1,000
AbbyBank
AbbyBank
Savings Plus
0.50%
$10,000
Sugar River Bank
Sugar River Bank
48-Month CD
0.50%
$500
Classic Bank
Classic Bank
Savings
0.40%
$500
Main Street Bank
Main Street Bank
Savings
0.25%
$0
Savings Bank of Danbury
Savings Bank of Danbury
12-Month CD
0.25%
$500
Town & Country Bank Ravenna, NE
Town & Country Bank Ravenna, NE
Hometown Savings
0.25%
$25
NVE Bank
NVE Bank
36-Month CD
0.19%
$1,000
Simmesport State Bank
Simmesport State Bank
Business Interest Checking
0.15%
$2,000
Murphy-Wall State B&T Co.
Murphy-Wall State B&T Co.
Statement Savings
0.10%
$50
State Bank Spirit Lake, IA
State Bank Spirit Lake, IA
Savings
0.10%
$5
Toyota Financial Savings Bank
Toyota Financial Savings Bank
Savings
0.10%
$0
Westfield Bank
Westfield Bank
48-Month CD
0.10%
$1,000
First Nations Bank
First Nations Bank
24-Month CD
0.05%
$1,000
Mechanics Cooperative Bank
Mechanics Cooperative Bank
Classic Savings
0.05%
$100
Busey Bank
Busey Bank
18-Month CD
0.05%
$1,000
United Bank of Philadelphia
United Bank of Philadelphia
Money Market
0.02%
$1,500
Show More

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.

Mortgage Rates March 24, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
15-Year Fixed
5.125%
5.243%
0.625
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
15-Year Fixed
5.375%
5.431%
0.000
5.125%
5.447%
1.125
5.250%
5.482%
0.500
5.250%
5.491%
0.000
5.250%
5.506%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
15-Year Fixed Jumbo
5.500%
5.526%
0.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.250%
5.570%
1.250
5.375%
5.582%
1.000
5.500%
5.614%
0.000
5.250%
5.615%
1.750
5.250%
5.629%
2.000
5.500%
5.638%
0.000
5.500%
5.639%
0.250
Show More

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
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:
8
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:

    Read more...

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