What are the current interest rates at United Bank Zebulon, GA?

Current rates for United Bank Zebulon, GA include: 12-Month CD: 1.51%, 18-Month CD: 1.51%, 24-Month CD: 1.66%, 36-Month CD: 1.66%, 48-Month CD: 1.77%, 60-Month CD: 2.02%, Savings: 0.50%, MMA: 0.30%

MonitorBankRates

☰

Home›
Banks›
United Bank Zebulon, GA

iAdvertiser Disclosure

United Bank Zebulon, GA Rates & Review September 2026

Q: How many branches does United Bank Zebulon, GA operate?

United Bank Zebulon, GA currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United Bank Zebulon, GA 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: September 6, 2026

United Bank Zebulon, GA's 60-Months 60-Month Certificate rates are at 2.02%, 48-Months 48-Month Certificate rates are at 1.77%, 24-Months 24-Month Certificate rates are at 1.66%, 36-Months 36-Month Certificate rates are at 1.66%, 12-Months 12-Month Certificate rates are at 1.51%. United Bank Zebulon, GA's savings rates are at 0.50%. United Bank Zebulon, GA's money market rates are at 0.30%. MonitorBankRates evaluates the financial stability of United Bank Zebulon, GA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.85%. Rates last updated and verified on 09/06/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.85%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

United Bank

685 Griffin St
Zebulon, GA 30295

https://www.accessunited.com

United Bank Zebulon, GA CD Rates

Product	Rate	APY	Term
60 Month Certificate	2.00%	2.02%	60 months
No additional details. Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
48 Month Certificate	1.75%	1.77%	48 months
Details Visit Office Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
24 Month Certificate	1.65%	1.66%	24 months
No additional details. Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
36 Month Certificate	1.65%	1.66%	36 months
No additional details. Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
12 Month Certificate	1.50%	1.51%	12 months
No additional details. Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
18 Month Certificate	1.50%	1.51%	18 months
No additional details. Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

United Bank Zebulon, GA Savings Rates

Product	Rate	APY
Christmas Club	0.50%	0.50%
Details Visit Office Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Minor Savings	0.50%	0.50%
Details Visit Office Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%
Regular Savings	0.50%	0.50%
No additional details. Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

United Bank Zebulon, GA Money Market Rates

Product	Rate	APY	View More
Business Money Market	0.30%	0.30%
Details Visit Office Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

United Bank Zebulon, GA Checking Rates

Product	Rate	APY	View More
Gold Checking	0.50%	0.50%
No additional details. Last Updated 09/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.85%

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.

Financial Health History

United Bank Zebulon, GA’s Texas Ratio fell from 3.43% in Q3 2023 to 0.85% in Q2 2026, so its financial health has improved and is now 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; the amber line marks the 15% level a bank must stay under to qualify 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 Grade15% Verified Healthy threshold

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.2B	0.85%	5.0	A+
March 31, 2026	$2.2B	1.11%	5.0	A+
December 31, 2025	$2.3B	1.09%	5.0	A+
September 30, 2025	$2.2B	1.89%	5.0	A+
June 30, 2025	$2.2B	1.94%	5.0	A+
March 31, 2025	$2.2B	1.64%	5.0	A+
December 31, 2024	$2.2B	2.17%	5.0	A+
September 30, 2024	$2.1B	0.77%	5.0	A+
June 30, 2024	$2.1B	1.08%	5.0	A+
March 31, 2024	$2.1B	2.48%	5.0	A+
December 31, 2023	$2.2B	2.59%	5.0	A+
September 30, 2023	$2.2B	3.43%	5.0	A+

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 United Bank Zebulon, GA 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 Zebulon, GA 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 Zebulon, GA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name United Bank Zebulon, GA

Bank Holding Company UNITED BK EMPLOYEE STK OWNERSHIP PLAN TR

Address 685 Griffin St, Zebulon, GA 30295 · Pike

Website https://www.accessunited.com

FDIC Certificate # 172

Established 19050131

FDIC Insurance Date 19340101

Domestic Offices 17

Total Branches 17

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.85%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.4978%

Return on Equity (ROE) 22.4200%

Non-Performing Loans (NPL) 0.10%

Total Assets $2,159,044,000

Total Deposits $1,882,152,000

Equity Capital $259,960,000

Net Income $27,922,000

Headquarters Zebulon

Total Branches and Offices 17

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

United Bank Zebulon, GA earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/banks/united-bank-zebulon-ga-rates-review-172">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for United Bank Zebulon, GA yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for United Bank Zebulon, GA

Frequently Asked Questions About United Bank Zebulon, GA

How many branches does United Bank Zebulon, GA operate?

United Bank Zebulon, GA currently maintains approximately 17 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 Zebulon, GA 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 Zebulon, GA provides members with tools to manage their accounts and build a solid financial history.

Does United Bank Zebulon, GA offer online and mobile banking?

Most modern institutions like United Bank Zebulon, GA 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.accessunited.com.