What are the current interest rates at United Bank (AL)?

Current rates for United Bank (AL) include: 12-Month CD: 0.75%, 24-Month CD: 0.85%, 36-Month CD: 0.95%, 48-Month CD: 1.05%, 60-Month CD: 1.20%, Savings: 0.05%, MMA: 0.25%

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United Bank (AL)

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United Bank (AL) Rates & Review August 2026

Q: How many branches does United Bank (AL) operate?

United Bank (AL) currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, United Bank (AL) 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Bank (AL) provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

United Bank (AL)'s 6-Month CD rates are at 3.70%, 6-Month IRA CD rates are at 3.70%, 13-Month CD rates are at 3.60%, 13-Month IRA CD rates are at 3.60%, 60-Months 60-Month Standard CD rates are at 1.20%. United Bank (AL)'s savings rates are at 0.05%. United Bank (AL)'s money market rates are at 0.25%. United Bank (AL)'s Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of United Bank (AL) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.18%. Rates last updated and verified on 08/28/2026.

United Bank (AL) 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 Bank (AL)? Share your experience about United Bank (AL) by leaving a review below, or read customer reviews before you decide to use United Bank (AL).

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.18%

Excellent Higher than avg

United Bank

200 E Nashville Ave
Atmore, AL 36502

https://www.unitedbank.com

United Bank (AL) CD Rates

Product	Rate	APY	Term
6 Month CD	-	3.70%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 Month IRA CD	-	3.70%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
13 Month CD	-	3.60%	13 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
13 Month IRA CD	-	3.60%	13 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
60 month Standard CD	-	1.20%	60 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
48 month Standard CD	-	1.05%	48 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
36 month Standard CD	-	0.95%	36 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
24 month Standard CD	-	0.85%	24 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
12 month Standard CD	-	0.75%	12 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
6 month Standard CD	-	0.60%	6 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
1 Month Standard CD	-	0.55%	1 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

United Bank (AL) Savings Rates

Product	Rate	APY
Emergency Fund Savings Account	-	5.00%
Min Deposit $50 Details Qualifying balance up to $5,000.00. Ability to set up automatic transfers from your checking account to your savings account each month or more frequently. FDIC-Insured account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Personal Savings	4.91%	5.00%
Min Deposit $100 Details APY effective as of 2/09/26. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. $5 fee assessed for each withdrawal in excess of two during a calendar month. $10 fee charged if the account is closed within 180 days of opening. $5 service charge if balance drops below $100 at any time during the month. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Personal Savings	0.75%	2.88%
Min Deposit $100 Min Balance $5,000 Details APY is a fixed rate. APY as of 2/10/2026. Rates subject to change. This is an interest-bearing account and earns 0.05% APY. Fees may reduce earnings. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. $5 fee assessed for each withdrawal in excess of two during a calendar month. $10 fee charged if the account is closed within 180 days of opening. $5 service charge if balance drops below $100 at any time during the month. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Personal Savings	0.05%	0.05%
Min Deposit $100 Min Balance $10,001 Details APY is a fixed rate. APY as of 2/10/2026. Rates subject to change. This is an interest-bearing account and earns 0.05% APY. Fees may reduce earnings. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. $5 fee assessed for each withdrawal in excess of two during a calendar month. $10 fee charged if the account is closed within 180 days of opening. $5 service charge if balance drops below $100 at any time during the month. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Regular Savings	-	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

United Bank (AL) Money Market Rates

Product	Rate	APY
Tiered Rate Money Market Account	2.00%	2.02%
Min Deposit $15,000 Min Balance $300,000 Details Interest paid monthly to account balance at time statement rendered. APY effective as of 2/05/26. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. Limitations: Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Tiered Rate Money Market Account	1.00%	1.00%
Min Deposit $15,000 Min Balance $30,000 Details Interest paid monthly to account balance at time statement rendered. APY effective as of 2/05/26. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. Limitations: Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Tiered Rate Money Market Account	0.75%	0.75%
Min Deposit $15,000 Min Balance $15,000 Details Interest paid monthly to account balance at time statement rendered. APY effective as of 2/05/26. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. Limitations: Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%
Tiered Rate Money Market Account	0.25%	0.25%
Min Deposit $15,000 Min Balance $0 Details Interest paid monthly to account balance at time statement rendered. APY effective as of 2/05/26. Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year. Limitations: Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

United Bank (AL) Checking Rates

Product	Rate	APY	View More
Val-U Checking Plus	-	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

United Bank (AL) Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%	60 months
Details Special Rate; New cars and trucks Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.18%

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 United Bank (AL) 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 United Bank (AL) 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 United Bank (AL)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name United Bank (AL)

Bank Holding Company UNITED BCORP OF ALABAMA INC

Address 200 E Nashville Ave, Atmore, AL 36502 · Escambia

Website https://www.unitedbank.com

FDIC Certificate # 58

Established 01/04/1904

FDIC Insurance Date 01/01/1934

Domestic Offices 20

Total Branches 20

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.18%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9247%

Return on Equity (ROE) 21.1500%

Non-Performing Loans (NPL) 0.46%

Total Assets $1,446,151,000

Total Deposits $1,194,745,000

Equity Capital $213,039,000

Net Income $18,674,000

Headquarters Atmore

Total Branches and Offices 20

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About United Bank (AL)

How many branches does United Bank (AL) operate?

United Bank (AL) currently maintains approximately 20 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, United Bank (AL) 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, United Bank (AL) provides members with tools to manage their accounts and build a solid financial history.

Does United Bank (AL) offer online and mobile banking?

Most modern institutions like United Bank (AL) 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.unitedbank.com.