☰

Home›
Banks›
United Community Bank

iAdvertiser Disclosure

United Community Bank Rates & Review May 2026

Q: How many branches does United Community Bank operate?

United Community Bank currently maintains approximately 191 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 Community Bank 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 Community Bank 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: May 18, 2026

You can compare United Community Bank rates to other rates in our database, including 12-month CD rates currently at 2.95%, 6-month CD rates at 3.90% and 3-month CD rates at 2.78%. Savings rates are at 1.50% and money market rates are at 0.85%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to United Community Bank rates. MonitorBankRates evaluates the financial stability of United Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.01%. Rates were last updated on 05/18/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.01%

Excellent Lower than avg

United Community Bank

200 E Camperdown Way
Greenville, SC 29601

https://www.ucbi.com

Current Rate Availability

We do not have United Community Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for United Community Bank 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 Community Bank 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 Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name United Community Bank

Bank Holding Company UNITED COMMUNITY BANKS INC

Address 200 E Camperdown Way, Greenville, SC 29601 · Greenville

Website https://www.ucbi.com

FDIC Certificate # 16889

Established 03/01/1950

FDIC Insurance Date 03/01/1950

Domestic Offices 191

Total Branches 191

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.01%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9475%

Return on Equity (ROE) 8.2800%

Non-Performing Loans (NPL) 0.32%

Total Assets $27,929,114,000

Total Deposits $24,136,285,000

Equity Capital $3,391,455,000

Net Income $333,146,000

Headquarters Greenville

Total Offices 191

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for United Community Bank 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 Community Bank

Frequently Asked Questions About United Community Bank

How many branches does United Community Bank operate?

United Community Bank currently maintains approximately 191 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 Community Bank 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 Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does United Community Bank offer online and mobile banking?

Most modern institutions like United Community Bank 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.ucbi.com.