USB Union Savings Bank Rates and Review January 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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USB Union Savings Bank's 60-Month CD rates are at 0.60%, 48-Month CD rates are at 0.55%, 36-Month CD rates are at 0.50%, 24-Month CD rates are at 0.40%, 18-Month CD rates are at 0.35%. USB Union Savings Bank's savings rates are at 0.03%. USB Union Savings Bank's money market rates are at 0.03%. USB Union Savings Bank's 30-Year Fixed rates are at 5.88%, 5/1 ARM rates are at 5.00%, 7/1 ARM rates are at 5.25%, 15-Year Fixed rates are at 5.38%.
To see how these rates compare to USB Union Savings Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from USB Union Savings 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 USB Union Savings Bank CD rates. You can also compare USB Union Savings Bank savings rates, MMA rates and mortgage rates using our other rate lists. 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. USB Union Savings Bank Texas RatioUSB Union Savings Bank's Texas Ratio is at 2.10%, which is considered excellent. The Texas Ratio for USB Union Savings 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. MonitorBankRates Rating
4.0
Excellent
Out of 5.0 Stars
USB Union Savings Bank has earned a Smart Rating of 4.0 out of 5 stars. 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. Overall, USB Union Savings Bank is a excellent bank worth considering, with an overall rating of 4.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. USB Union Savings Bank CD Rates and Interest Rates
USB Union Savings Bank
60-Month CD
0.60%
$1,000
USB Union Savings Bank
48-Month CD
0.55%
$1,000
USB Union Savings Bank
36-Month CD
0.50%
$1,000
USB Union Savings Bank
24-Month CD
0.40%
$1,000
USB Union Savings Bank
18-Month CD
0.35%
$1,000
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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 Rate ComparisonLender
Product
Rate
APR
Points
Compare USB Union Savings Bank Rates with Other Competitive Bank and Credit Union Rates
Vibrant Credit Union
Preferred Savings
4.00%
$1
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Communitywide Federal Credit Union
18-Month CD
3.90%
$1,000
Phelps County Bank
12-Month CD
3.80%
$1,000
VisionBank Saint Louis Park, MN
12-Month CD
3.75%
$1,000
Franklin SB Farmington, ME
6-Month CD
3.60%
$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 Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Bank Profile & OverviewUSB Union Savings Bank
8805 Governors Hill DrCincinnati, OH 45249 Hamilton Established Date: 03/01/1904 FDIC Certificate #: 32296 Date of FDIC Deposit Insurance: 03/26/1985 How Many Domestic U.S. Offices? 37 How Many Branches are There? 38 Website: https://www.usavingsbank.com
Is USB Union Savings Bank FDIC Insured? Yes
What is USB Union Savings Bank's Cert number? 32296
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$3,893,467,000
Total Deposits:
$3,110,950,000
Equity Capital:
$392,734,000
Net Income:
$5,702,000
Return on Assets (ROA):
1.4898%
Return on Equity (ROE):
13.7600%
Headquarters:
Cincinnati
Regulator:
FDIC
# of Offices:
37
Source: FDIC | Last Updated 03/31/2024
Frequently Asked Questions About USB Union Savings BankHow do I open an account at USB Union Savings Bank?You can typically open an account at USB Union Savings Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, USB Union Savings Bank provides a range of mortgage and home equity products. Is USB Union Savings Bank a safe place to deposit money?Yes, USB Union Savings Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does USB Union Savings Bank offer online and mobile banking?Most modern institutions like USB Union Savings Bank provide digital access including online balance checks and transfers. Compare to other Banks |
