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Union Bank Morrisville, VT Rates & Review October 2026

Union Bank Morrisville, VT's top rates as of October 11, 2026 are 3.89% APY on its 13-Month CD Special, 0.10% APY on checking, and 6.50% on its 30 Year Fixed Rate MOVE Conventional mortgage, according to rates verified by MonitorBankRates. Other Union Bank Morrisville, VT CD rates include 5 Year Certificate at 3.71%, Jumbo Certificates of Deposit and IRAs - 5 year at 3.71%, and 4 Year Certificate at 3.66%. Other Union Bank Morrisville, VT mortgage rates include 30 Year Fixed Rate Advantage Conventional at 7.00%, 30 Yr Fixed Home First Conventional 80% AMI or Under at 7.00%, and 30 Year Fixed Rate MOVE RD, VA, FHA at 6.50%. MonitorBankRates evaluates the financial stability of Union Bank Morrisville, VT with a 4.8 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.30%. Rates last updated and verified on 10/11/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A-
Very Good Health Score: 91/100
MonitorBankRates Rating ?
4.8
Exceptional Out of 5.0 Stars
Texas Ratio ?
14.30%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Union Bank
20 Main St
Morrisville, VT 05661
https://www.ublocal.com
MemberFDIC
Customer Reviews
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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 Morrisville, VT CD Rates

Product Rate APY Term View More
13 Month CD Special 3.82% 3.89% 13 Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.89% APY · checked 7 times
3.39%3.89%4.39%Sep 19, 2026: 3.89% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
5 Year Certificate 3.65% 3.71% 5 year
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.71% APY · checked 7 times
3.21%3.71%4.21%Sep 19, 2026: 3.71% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
Jumbo Certificates of Deposit and IRAs - 5 year 3.65% 3.71% 5 year
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 7, 2026: 3.71% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
4 Year Certificate 3.60% 3.66% 4 year
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 19, 2026: 3.66% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
Jumbo Certificates of Deposit and IRAs - 4 year 3.60% 3.66% 4 year
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 7, 2026: 3.66% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
3 Year Certificate 3.55% 3.61% 3 year
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 7 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
Jumbo Certificates of Deposit and IRAs - 3 year 3.55% 3.61% 3 year
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 7, 2026: 3.61% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
Save for Success CD-3 year 3.55% 3.61% 3 year
Min Deposit $100
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 7 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
2 Year Certificate 3.50% 3.56% 2 year
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 19, 2026: 3.56% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
Jumbo Certificates of Deposit and IRAs - 2 year 3.50% 3.56% 2 year
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 7, 2026: 3.56% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
1 Year Certificate 3.45% 3.51% 1 year
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
Jumbo Certificates of Deposit and IRAs - 1 year 3.45% 3.51% 1 year
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
156 Week CDARS Certificates of Deposit & IRAs 3.40% 3.46% 156 week (~3 year)
Min Deposit $250,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.46% APY · checked 2 times
2.96%3.46%3.96%Oct 7, 2026: 3.46% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
104 Week CDARS Certificates of Deposit & IRAs 3.35% 3.41% 104 week (~2 year)
Min Deposit $250,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 7, 2026: 3.41% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
52 Week CDARS Certificates of Deposit & IRAs 3.30% 3.35% 52 week
Min Deposit $250,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
6 Month Certificate 3.30% 3.35% 6 Month
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
Jumbo Certificates of Deposit and IRAs - 6 Month 3.30% 3.35% 6 Month
Min Deposit $100,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
26 Week CDARS Certificates of Deposit & IRAs 3.10% 3.15% 26 week
Min Deposit $250,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Checking Rates

Product Rate APY View More
HSA Checking 0.10% 0.10%
Min Balance $250,000
Details Balance: 250,000+
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
HSA Checking 0.05% 0.05%
Min Balance $1,000
Details Balance: 1,000-249,999
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Mortgage Rates

Product Rate Points APR Term View More
30 Year Fixed Rate MOVE Conventional 6.50% 0 6.602% 30 Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.10% → 6.60% ▲ 0.50 pts · high 6.60% / low 6.10%
5.60%6.35%7.11%Sep 15, 2026: 6.10% APROct 1, 2026: 6.60% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20266.60%▲ from 6.10%
  • Sep 15, 20266.10%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
30 Year Fixed Rate Advantage Conventional 7.00% 0 7.106% 30 Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.60% → 7.11% ▲ 0.50 pts · high 7.11% / low 6.60%
6.10%6.85%7.61%Sep 15, 2026: 6.60% APROct 1, 2026: 7.11% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20267.11%▲ from 6.60%
  • Sep 15, 20266.60%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
30 Yr Fixed Home First Conventional 80% AMI or Under 7.00% 0 7.122% 30 years
No additional details.
Last Updated 10/11/2026
Rate History
4 changes since Sep 15, 2026 · 6.62% → 7.12% ▲ 0.50 pts · high 7.12% / low 6.62%
6.11%6.87%7.63%Sep 15, 2026: 6.62% APRSep 19, 2026: 6.74% APROct 1, 2026: 7.12% APROct 3, 2026: 7.00% APROct 7, 2026: 7.12% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.12%▲ from 7.00%
  • Oct 3, 20267.00%▼ from 7.12%
  • Oct 1, 20267.12%▲ from 6.74%
  • Sep 19, 20266.74%▲ from 6.62%
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
30 Year Fixed Rate MOVE RD, VA, FHA 6.50% 0 7.144% 30 Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.64% → 7.14% ▲ 0.51 pts · high 7.14% / low 6.64%
6.13%6.89%7.65%Sep 15, 2026: 6.64% APROct 1, 2026: 7.14% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20267.14%▲ from 6.64%
  • Sep 15, 20266.64%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
15 Year Fixed Rate 7.125% 0 7.213% 15 years
No additional details.
Last Updated 10/11/2026
Rate History
4 changes since Sep 19, 2026 · 6.84% → 7.21% ▲ 0.38 pts · high 7.34% / low 6.84%
6.34%7.09%7.84%Sep 19, 2026: 6.84% APRSep 24, 2026: 6.96% APRSep 27, 2026: 7.21% APROct 7, 2026: 7.34% APROct 11, 2026: 7.21% APRSep 19, 2026Oct 13, 2026
  • Oct 11, 20267.21%▼ from 7.34%
  • Oct 7, 20267.34%▲ from 7.21%
  • Sep 27, 20267.21%▲ from 6.96%
  • Sep 24, 20266.96%▲ from 6.84%
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
30 Year Fixed Rate 7.25% 0 7.305% 30 years
No additional details.
Last Updated 10/11/2026
Rate History
4 changes since Sep 19, 2026 · 7.31% → 7.31% ▼ 0.00 pts · high 7.68% / low 7.31%
6.81%7.49%8.18%Sep 19, 2026: 7.31% APRSep 24, 2026: 7.43% APRSep 27, 2026: 7.68% APROct 7, 2026: 7.40% APROct 11, 2026: 7.31% APRSep 19, 2026Oct 13, 2026
  • Oct 11, 20267.31%▼ from 7.40%
  • Oct 7, 20267.40%▼ from 7.68%
  • Sep 27, 20267.68%▲ from 7.43%
  • Sep 24, 20267.43%▲ from 7.31%
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
30 Year Fixed Rate Advantage RD, VA, FHA 6.75% 0 7.399% 30 Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.89% → 7.40% ▲ 0.51 pts · high 7.40% / low 6.89%
6.38%7.14%7.91%Sep 15, 2026: 6.89% APROct 1, 2026: 7.40% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20267.40%▲ from 6.89%
  • Sep 15, 20266.89%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
30 Year Fixed Rate RD 7.00% 0 7.453% 30 Year
No additional details.
Last Updated 10/11/2026
Rate History
2 changes since Sep 27, 2026 · 7.45% → 7.45% ▼ 0.00 pts · high 7.58% / low 7.45%
6.95%7.52%8.08%Sep 27, 2026: 7.45% APROct 7, 2026: 7.58% APROct 11, 2026: 7.45% APRSep 27, 2026Oct 13, 2026
  • Oct 11, 20267.45%▼ from 7.58%
  • Oct 7, 20267.58%▲ from 7.45%
  • Sep 27, 20267.45%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
30 Year Fixed Rate Jumbo 7.50% 0 7.515% 30 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 7.52% APR · checked 3 times
7.02%7.52%8.02%Sep 27, 2026: 7.52% APRSep 27, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
30 Year Fixed Rate FHA 7.00% 0 7.534% 30 Year
No additional details.
Last Updated 10/11/2026
Rate History
2 changes since Sep 27, 2026 · 7.53% → 7.53% ▼ 0.00 pts · high 7.66% / low 7.53%
7.03%7.60%8.16%Sep 27, 2026: 7.53% APROct 7, 2026: 7.66% APROct 11, 2026: 7.53% APRSep 27, 2026Oct 13, 2026
  • Oct 11, 20267.53%▼ from 7.66%
  • Oct 7, 20267.66%▲ from 7.53%
  • Sep 27, 20267.53%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
20 Year Fixed Rate 7.50% 0 7.572% 20 years
No additional details.
Last Updated 10/11/2026
Rate History
3 changes since Sep 19, 2026 · 7.32% → 7.57% ▲ 0.25 pts · high 7.70% / low 7.32%
6.82%7.51%8.20%Sep 19, 2026: 7.32% APRSep 27, 2026: 7.57% APROct 1, 2026: 7.70% APROct 11, 2026: 7.57% APRSep 19, 2026Oct 13, 2026
  • Oct 11, 20267.57%▼ from 7.70%
  • Oct 1, 20267.70%▲ from 7.57%
  • Sep 27, 20267.57%▲ from 7.32%
  • Sep 19, 20267.32%first recorded
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
30 Year Fixed Rate VA 7.50% 0 7.627% 30 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 7.63% APR · checked 3 times
7.13%7.63%8.13%Sep 27, 2026: 7.63% APRSep 27, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Home Equity & HELOC

Product Rate Points APR Term View More
Encore Home Equity Line of Credit for Primary Residences - 10 Year Draw/10 Year Repay 6.00% 0 6.00% 10 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Oct 7, 2026: 6.00% APROct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
5 Year Fixed Rate Home Equity Loan 6.50% 0 6.596% 5 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.60% APR · checked 2 times
6.10%6.60%7.10%Oct 7, 2026: 6.60% APROct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
10 Year Fixed Rate Home Equity Loan 7.50% 0 7.607% 10 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.61% APR · checked 2 times
7.11%7.61%8.11%Oct 7, 2026: 7.61% APROct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
15 Year Fixed Rate Home Equity Loan 7.99% 0 8.071% 15 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 8.07% APR · checked 2 times
7.57%8.07%8.57%Oct 7, 2026: 8.07% APROct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%

Union Bank Morrisville, VT Other Rates

Product Rate Points APY/APR Term View More
30 Yr Fixed Home First Government 6.75% 0 7.325% 30 years
Last Updated 10/11/2026
Rate History
4 changes since Sep 15, 2026 · 6.57% → 7.33% ▲ 0.76 pts · high 7.45% / low 6.57%
5.68%7.01%8.34%Sep 15, 2026: 6.57% APRSep 19, 2026: 6.69% APROct 1, 2026: 7.33% APROct 7, 2026: 7.45% APROct 11, 2026: 7.33% APRSep 15, 2026Oct 13, 2026
  • Oct 11, 20267.33%▼ from 7.45%
  • Oct 7, 20267.45%▲ from 7.33%
  • Oct 1, 20267.33%▲ from 6.69%
  • Sep 19, 20266.69%▲ from 6.57%
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
B.U.I.L.D. Construction Loan - 12 Month Fixed Rate 8.25% 0% 9.656% 12 months
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 9.66% APR · checked 2 times
9.16%9.66%10.16%Oct 7, 2026: 9.66% APROct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
CDARS Certificates of Deposit & IRAs 0.02% - 0.02%
Min Balance $1
Details Interest Tier: 1-99,999
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
CDARS Certificates of Deposit & IRAs 0.05% - 0.05%
Min Balance $100,000
Details Interest Tier: 100,000-499,999
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
CDARS Certificates of Deposit & IRAs 0.10% - 0.10%
Min Balance $500,000
Details Interest Tier: 500,000+
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
CDARS Certificates of Deposit & IRAs 0.05% - 0.05%
Min Balance $1,000
Details Interest Tier: 1000-249,999
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
CDARS Certificates of Deposit & IRAs 0.10% - 0.10%
Min Balance $250,000
Details Interest Tier: 250,000+
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%
CDARS Certificates of Deposit & IRAs 0.15% - 0.15%
Min Balance $250,000
Details Interest Tier: 250,000+
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
4.8
Star Rating
A-
Health Grade
◈ Texas Ratio: 14.30%

Financial Health History

Union Bank Morrisville, VT’s Texas Ratio rose from 3.26% in Q3 2023 to 14.30% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 2.7 to 4.8 and its Health Grade from C to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 6% 2.0★ 12% 3.0★ 18% 4.0★ 24% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.26% C Q3 2023 B Q4 2023 B Q1 2024 B Q2 2024 B Q3 2024 B- Q4 2024 C Q1 2025 C+ Q2 2025 B- Q3 2025 B- Q4 2025 B- Q1 2026 14.30% A- Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.6B14.30%4.8A-
March 31, 2026$1.6B13.83%3.9B-
December 31, 2025$1.6B14.23%4.0B-
September 30, 2025$1.6B14.09%3.9B-
June 30, 2025$1.5B17.64%3.6C+
March 31, 2025$1.5B17.50%3.4C
December 31, 2024$1.5B2.30%3.4B-
September 30, 2024$1.5B2.13%3.8B
June 30, 2024$1.4B2.30%3.7B
March 31, 2024$1.4B2.35%3.6B
December 31, 2023$1.5B2.35%3.6B
September 30, 2023$1.4B3.26%2.7C
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Union Bank Morrisville, VT 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 Morrisville, VT 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 Morrisville, VT's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Union Bank Morrisville, VT
Bank Holding Company UNION BANKSHARES INC
Address 20 Main St, Morrisville, VT 05661  ·  Lamoille
FDIC Certificate # 14158
Established 18910101
FDIC Insurance Date 19340331
Domestic Offices 21
Total Branches 21
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-
Overall Health Grade Score: 91/100
4.8
Exceptional Out of 5.0 Stars
14.30%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.8009%
Return on Equity (ROE) 12.8300%
Non-Performing Loans (NPL) 0.97%
Total Assets $1,558,133,000
Total Deposits $1,100,008,000
Equity Capital $106,075,000
Net Income $6,406,000
Headquarters Morrisville
Total Branches and Offices 21
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Union Bank Morrisville, VT earned the Verified Healthy badge

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Frequently Asked Questions About Union Bank Morrisville, VT

How many branches does Union Bank Morrisville, VT operate?

Union Bank Morrisville, VT currently maintains approximately 21 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 Morrisville, VT 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 Morrisville, VT provides members with tools to manage their accounts and build a solid financial history.

Does Union Bank Morrisville, VT offer online and mobile banking?

Most modern institutions like Union Bank Morrisville, VT 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.ublocal.com.

Current Union Bank Morrisville, VT Rates

  • 12-Month CD3.51%
  • 24-Month CD3.41%
  • 36-Month CD3.46%
  • 48-Month CD3.66%
  • 60-Month CD3.71%
Retrieved from our database of financial products. Rates subject to change.