What are the current interest rates at USB Union Savings Bank?

Current rates for USB Union Savings Bank include: 12-Month CD: 0.35%, 18-Month CD: 0.45%, 24-Month CD: 0.50%, 36-Month CD: 0.50%, 48-Month CD: 0.55%, 60-Month CD: 0.60%, MMA: 0.03%

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USB Union Savings Bank Rates & Review May 2026

Item: USB Union Savings Bank
Rating: 9900
Author: nVWA

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 2, 2026

USB Union Savings Bank's 7 Flex CD rates are at 3.50%, 60-Month CD rates are at 0.60%, 48-Month CD rates are at 0.55%, 24-Month CD rates are at 0.50%, 36-Month CD rates are at 0.50%. USB Union Savings Bank's money market rates are at 0.03%. USB Union Savings Bank's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of USB Union Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.66%. Rates were last updated on 05/02/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.66%

Excellent Lower than avg

USB Union Savings Bank

8805 Governors Hill Dr
Cincinnati, OH 45249

https://www.usavingsbank.com

USB Union Savings Bank CD Rates

Product	Rate	APY	Term
7 Flex CD	-	3.50%	7
Min Deposit $1,000 Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
60 MONTH CD	-	0.60%	60
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
48 MONTH CD	-	0.55%	48
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
24 MONTH CD	-	0.50%	24
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
36 MONTH CD	-	0.50%	36
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
18 MONTH CD	-	0.45%	18
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
12 MONTH CD	-	0.35%	12
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
9 MONTH CD	-	0.30%	9
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
6 MONTH CD	-	0.25%	6
No additional details. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USB Union Savings Bank Money Market Rates

Product	Rate	APY
Boost Money Market Account	1.50%	1.51%
Min Deposit $5,000 Min Balance $250,000 Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Boost Money Market Account	1.00%	1.00%
Min Deposit $5,000 Min Balance $50,000 Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Boost Money Market Account	0.50%	0.50%
Min Deposit $5,000 Min Balance $0 Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Personal Money Market Account	0.07%	0.07%
Min Deposit $500 Min Balance $100,000 Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Personal Money Market Account	0.05%	0.05%
Min Deposit $500 Min Balance $50,000 Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Personal Money Market Account	0.03%	0.03%
Min Deposit $500 Min Balance $0 Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USB Union Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Flex HELOC	-	-	5.49%
Details Intro rate expires: 6 months; After that the rate is a variable rate. Rates are subject to change without notice. The rate is a variable annual percentage rate (APR) that is an index which is the US Prime Rate as published in the Wall Street Journal and will change along with changes in the index. Maximum rate is 18.00% APR. Requirements to obtain this rate include a middle score of the three scores received from the consumer reporting agencies of 700 or above (note: if there is more than one borrower, the lowest middle score of all borrowers will be considered), maximum CLTV of 80%. There is also an annual fee of $75.00, and a processing fee of $500.00 which is waived with monthly automatic payments from a USB checking account. There are no application, attorney or appraisal fees for loans with a loan amount up to $250,000 and a CLTV less than or equal to 80% or for loans amounts up to $400,000 with a CLTV less than or equal to 70%. Property insurance is required. All loans and lines of credit are subject to credit approval. Not available to existing Union Savings Bank Home Equity Line customers, unless the current USB Home Equity Line is within 24 months of the end of the draw period. Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

USB Union Savings Bank Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	11.99%
Details with Credit Score <740 Last Updated 05/02/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

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 USB Union Savings 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 USB Union Savings 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 USB Union Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name USB Union Savings Bank

FDIC Certificate # 32296

Address 8805 Governors Hill Dr, Cincinnati, OH 45249 · Hamilton

Website https://www.usavingsbank.com

Established 03/01/1904

FDIC Insurance Date 08/09/1989

Domestic Offices 39

Total Branches 39

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.66%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4898%

Return on Equity (ROE) 13.7600%

Non-Performing Loans (NPL) 0.16%

Total Assets $4,044,411,000

Total Deposits $3,484,698,000

Equity Capital $409,499,000

Net Income $66,042,000

Headquarters Cincinnati

Total Offices 39

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

nVWA

★★★★★

December 17, 2025

HMvB

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About USB Union Savings Bank

Is USB Union Savings Bank a safe place to deposit money?

Yes, USB Union Savings Bank is considered a safe financial institution. With a Texas Ratio of 1.6587537777732%, 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 USB Union Savings Bank operate?

USB Union Savings Bank currently maintains approximately 39 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, USB Union Savings 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, USB Union Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does USB Union Savings Bank offer online and mobile banking?

Most modern institutions like USB Union Savings 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.usavingsbank.com.