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Advertiser Disclosure
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 Union Bank and Trust Company Rates & Review October 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 14, 2026
Union Bank and Trust Company's top rates as of October 14, 2026 are 4.40% APY on its 24-Months 24-Month Certificate of Deposit, 1.46% APY on savings, 2.83% APY on money market accounts, and 2.89% APY on checking, according to rates verified by MonitorBankRates. Other Union Bank and Trust Company CD rates include 18-Months 18-Month Certificate of Deposit at 4.35%, 12-Months 12-Month Certificate of Deposit at 4.25%, and 6-Months 6-Month Certificate of Deposit at 4.05%. MonitorBankRates evaluates the financial stability of Union Bank and Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.09%. Rates last updated and verified on 10/14/2026. Union Bank and Trust Company 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 Union Bank and Trust Company? Share your experience about Union Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Union Bank and Trust Company. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Union Bank and Trust Company CD Rates
Union Bank and Trust Company Savings Rates
Union Bank and Trust Company Money Market Rates
Union Bank and Trust Company Checking Rates
Financial Health HistoryUnion Bank and Trust Company’s Texas Ratio rose from 0.64% in Q3 2023 to 2.09% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Union Bank and Trust Company 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 Union Bank and Trust Company 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 Union Bank and Trust Company's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Union Bank and Trust Company
Website
https://www.ubt.com
Address
3643 S 48th St,
Lincoln, NE 68506 · Lancaster
Bank Holding Company
FARMERS&MERCHANTS INV INC
FDIC Certificate #
13421
Regulator
FDIC
Established
February 28, 1917
FDIC Insurance Date
January 1, 1934
Domestic Offices
37
Total Branches
37
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.09%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.6570%
Return on Equity (ROE)
15.6700%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
$9,238,781,000
Total Deposits
$7,516,889,000
Equity Capital
$999,231,000
Net Income
$76,003,000
Headquarters
Lincoln
Total Branches and Offices
37
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Union Bank and Trust Company
Frequently Asked Questions About Union Bank and Trust CompanyHow many branches does Union Bank and Trust Company operate?Union Bank and Trust Company currently maintains approximately 37 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, Union Bank and Trust Company 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, Union Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history. Does Union Bank and Trust Company offer online and mobile banking?Most modern institutions like Union Bank and Trust Company 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.ubt.com. Current Union Bank and Trust Company Rates
Retrieved from our database of financial products. Rates subject to change.
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