What are the current interest rates at United Fidelity Bank?

Current rates for United Fidelity Bank include: 18-Month CD: 4.35%, MMA: 2.44%

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United Fidelity Bank Rates & Review October 2026

Item: United Fidelity Bank
Rating: 3
Author: N. Crumpler

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 22, 2026

United Fidelity Bank's 18-Month CD rates are at 4.35%, 10-Month CD rates are at 4.15%, 6-Month CD rates are at 4.15%. United Fidelity Bank's money market rates are at 2.44%. MonitorBankRates evaluates the financial stability of United Fidelity Bank with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.56%. Rates last updated and verified on 10/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

2.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

United Fidelity Bank, fsb

18 Nw 4th St
Evansville, IN 47708

https://www.unitedfidelity.com

Customer Reviews

3.0 ★ 1 review

Write a Review

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.

United Fidelity Bank CD Rates

Product	Rate	APY	Term
18-Month CD	-	4.35%	18 Month
Min Deposit $1,000 Last Updated 10/22/2026 Rate History 2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25% Oct 12, 20264.35%▲ from 4.25% Oct 3, 20264.25%▼ from 4.40% Sep 16, 20264.40%first recorded Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
10-Month CD	-	4.15%	10 Month
Min Deposit $1,000 Last Updated 10/22/2026 Rate History 3 changes since Sep 16, 2026 · 4.25% → 4.15% ▼ 0.10 pts · high 4.25% / low 4.10% Oct 22, 20264.15%▼ from 4.20% Oct 12, 20264.20%▲ from 4.10% Oct 3, 20264.10%▼ from 4.25% Sep 16, 20264.25%first recorded Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
6-Month CD	-	4.15%	6 Month
Min Deposit $1,000 Last Updated 10/22/2026 Rate History 2 changes since Sep 16, 2026 · 4.35% → 4.15% ▼ 0.20 pts · high 4.40% / low 4.15% Oct 22, 20264.15%▼ from 4.40% Oct 12, 20264.40%▲ from 4.35% Sep 16, 20264.35%first recorded Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

United Fidelity Bank Money Market Rates

Product	Rate	APY
High-Yield Money Market	2.41%	2.44%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000 to $99,999.99; Must have an existing United Fidelity Bank Certificate of Deposit open for a minimum of 60 days; APR listed as printed on page; APY current as of 9/22/2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 2.44% APY · checked 2 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
High-Yield Money Market	2.41%	2.44%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 and above; Must have an existing United Fidelity Bank Certificate of Deposit open for a minimum of 60 days; APR listed as printed on page; APY current as of 9/22/2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 2.44% APY · checked 2 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%
High-Yield Money Market	0.00%	0.00%
Min Deposit $100 Min Balance $0 Details Balance: $0 to $4,999.99; Must have an existing United Fidelity Bank Certificate of Deposit open for a minimum of 60 days; APR listed as printed on page; APY current as of 9/22/2026 Last Updated 10/22/2026 Rate History No change since Oct 22, 2026 · 2.41% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.56%

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 Fidelity Bank’s Texas Ratio rose from 0.81% in Q3 2023 to 2.56% in Q2 2026, so its financial health has stayed 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 — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$6.5B	2.56%	5.0	A+
March 31, 2026	$6.3B	2.54%	5.0	A+
December 31, 2025	$6.3B	3.41%	5.0	A+
September 30, 2025	$6.3B	4.70%	5.0	A+
June 30, 2025	$6.4B	3.43%	5.0	A+
March 31, 2025	$6.3B	3.24%	5.0	A+
December 31, 2024	$6.4B	3.04%	5.0	A+
September 30, 2024	$6.4B	3.58%	5.0	A+
June 30, 2024	$6.4B	0.79%	5.0	A+
March 31, 2024	$6.4B	0.84%	5.0	A+
December 31, 2023	$6.4B	1.07%	5.0	A+
September 30, 2023	$6.2B	0.81%	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 Fidelity 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 Fidelity 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 Fidelity Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name United Fidelity Bank

Website https://www.unitedfidelity.com

Address 18 Nw 4th St, Evansville, IN 47708 · Vanderburgh

Bank Holding Company PEDCOR FINANCIAL LLC

FDIC Certificate # 29566

Regulator OCC

Established January 1, 1931

FDIC Insurance Date August 9, 1989

Domestic Offices 20

Total Branches 22

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

2.56%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

-0.0875%

Return on Equity (ROE)

-0.8600%

Non-Performing Loans Ratio (NPL)

0.26%

Total Assets

$6,493,323,000

Total Deposits

$5,622,418,000

Equity Capital

$652,530,000

Net Income

$-2,790,000

Headquarters

Evansville

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

United Fidelity Bank 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <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

N. Crumpler

★★★☆☆

August 21, 2026

I would purchase a 14 month CD if I could find a button to initiate a purchase! I have looked at all of the promotional data without finding a way to indicate a purchase of a CD. I have a CD from United purchase on line but found out I was not enrolled in on line banking??? Difficult to understand why it is so complicated to purchase another CD.

Log in to reply Are you from United Fidelity Bank and want to reply to a review? Log in or register and verify yourself to reply as a representative from United Fidelity Bank.

Want to discuss United Fidelity Bank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★☆☆

Total Reviews

Add Your Rating and Review for United Fidelity Bank

Frequently Asked Questions About United Fidelity Bank

Does United Fidelity Bank offer CDs?

Yes. United Fidelity Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from United Fidelity Bank FDIC insured?

Yes. United Fidelity Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at United Fidelity Bank?

The highest CD rate MonitorBankRates has verified for United Fidelity Bank is 4.35% APY on its 18-Month 18-Month CD, as of October 22, 2026.

What CD terms does United Fidelity Bank offer?

The United Fidelity Bank CD terms we track include 6 month, 10 month and 18 month terms, with rates from 4.15% to 4.35% APY. The institution may offer other terms or specials that are not listed here, so check with United Fidelity Bank for its full lineup.

What is the highest money market rate at United Fidelity Bank?

The highest money market rate MonitorBankRates has verified for United Fidelity Bank is 2.44% APY on its High-Yield Money Market, as of October 22, 2026.

How many branches does United Fidelity Bank operate?

United Fidelity Bank currently maintains approximately 22 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 Fidelity 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 Fidelity Bank provides members with tools to manage their accounts and build a solid financial history.

Does United Fidelity Bank offer online and mobile banking?

Most modern institutions like United Fidelity 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.unitedfidelity.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do United Fidelity Bank rates compare?

United Fidelity Bank's top rates are 4.35% APY on its 18-Month 18-Month CD and 2.44% APY on money market, verified by MonitorBankRates on October 22, 2026. To compare United Fidelity Bank with the top rates nationwide, see our best CD rates and best money market rates, updated daily from banks and credit unions across the country.