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iAdvertiser Disclosure
Advertiser Disclosure
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 UCB United Community Bank Rates & Review August 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: August 30, 2026
UCB United Community Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not UCB United Community Bank, and you can see how they compare in the UCB United Community Bank rate tables below. MonitorBankRates evaluates the financial stability of UCB United Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.04%. Database rates last updated and verified on 08/30/2026. UCB 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 UCB United Community Bank? Share your experience about UCB United Community Bank by leaving a review below, or read customer reviews before you decide to use UCB United Community Bank. 
UCB United Community Bank Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for UCB 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 UCB 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 UCB United Community Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
UCB United Community Bank
Bank Holding Company
UNITED COMMUNITY BCORP INC
Address
301 N Main St,
Chatham, IL 62629 · Sangamon
Website
https://www.ucbbank.com
FDIC Certificate #
19459
Established
07/12/1965
FDIC Insurance Date
07/12/1965
Domestic Offices
46
Total Branches
46
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
3.04%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.3356%
Return on Equity (ROE)
15.6200%
Non-Performing Loans (NPL)
0.14%
Total Assets
$4,088,428,000
Total Deposits
$3,437,069,000
Equity Capital
$402,792,000
Net Income
$50,205,000
Headquarters
Chatham
Total Branches and Offices
46
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
There are no reviews for UCB United Community Bank yet. Feel free to create one below.
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Add Your Rating and Review for UCB United Community Bank
Frequently Asked Questions About UCB United Community BankHow many branches does UCB United Community Bank operate?UCB United Community Bank currently maintains approximately 46 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, UCB 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, UCB United Community Bank provides members with tools to manage their accounts and build a solid financial history. Does UCB United Community Bank offer online and mobile banking?Most modern institutions like UCB 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.ucbbank.com. Compare to Other Banks
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