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USB Union Savings Bank Rates & Review October 2026

Q: How many branches does USB Union Savings Bank operate?

USB Union Savings Bank currently maintains approximately 39 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, USB Union Savings 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, USB Union Savings 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 and Verified: October 14, 2026

USB Union Savings Bank's top rate as of October 14, 2026 is 7.00% on its 15-year fixed mortgage, according to rates verified by MonitorBankRates. Other USB Union Savings Bank mortgage rates include 30-year fixed at 7.375%, and 20-year fixed at 7.375%. MonitorBankRates evaluates the financial stability of USB Union Savings Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.17%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.17%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Union Savings Bank

8805 Governors Hill Dr
Cincinnati, OH 45249

https://www.usavingsbank.com

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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.

USB Union Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-year fixed	7.00%	-	7.064%	15 years
Details Rates last updated 10/13/2026 Last Updated 10/14/2026 Rate History 1 change since Oct 7, 2026 · 6.94% → 7.06% ▲ 0.13 pts · high 7.06% / low 6.94% Oct 14, 20267.06%▲ from 6.94% Oct 7, 20266.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
30-year fixed	7.375%	-	7.441%	30 years
Details Rates last updated 10/13/2026 Last Updated 10/14/2026 Rate History 1 change since Oct 7, 2026 · 7.57% → 7.44% ▼ 0.13 pts · high 7.57% / low 7.44% Oct 14, 20267.44%▼ from 7.57% Oct 7, 20267.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
20-year fixed	7.375%	-	7.46%	20 years
Details Rates last updated 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 7.46% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%

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

USB Union Savings Bank’s Texas Ratio rose from 1.66% in Q3 2023 to 6.17% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay 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 limit (green zone below = healthy)

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	$4.0B	6.17%	5.0	A
March 31, 2026	$4.0B	5.65%	5.0	A+
December 31, 2025	$4.0B	4.49%	5.0	A+
September 30, 2025	$4.1B	4.58%	5.0	A+
June 30, 2025	$4.0B	3.50%	5.0	A+
March 31, 2025	$3.9B	3.71%	5.0	A+
December 31, 2024	$3.9B	2.90%	5.0	A+
September 30, 2024	$4.0B	2.26%	5.0	A+
June 30, 2024	$3.9B	1.77%	5.0	A+
March 31, 2024	$3.9B	1.78%	5.0	A+
December 31, 2023	$3.9B	2.27%	5.0	A+
September 30, 2023	$3.8B	1.66%	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 USB Union Savings 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 USB Union Savings 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 USB Union Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name USB Union Savings Bank

Website https://www.usavingsbank.com

Address 8805 Governors Hill Dr, Cincinnati, OH 45249 · Hamilton

FDIC Certificate # 32296

Regulator FDIC

Established March 1, 1904

FDIC Insurance Date August 9, 1989

Domestic Offices 39

Total Branches 39

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.17%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

2.0127%

Return on Equity (ROE)

19.8400%

Non-Performing Loans Ratio (NPL)

0.62%

Total Assets

$4,019,642,000

Total Deposits

$3,534,911,000

Equity Capital

$408,751,000

Net Income

$40,504,000

Headquarters

Cincinnati

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

USB Union Savings 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.

<a href="https://www.monitorbankrates.com/banks/usb-union-savings-bank-rates-review-32296">
  <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

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Frequently Asked Questions About USB Union Savings Bank

How many branches does USB Union Savings Bank operate?

USB Union Savings Bank currently maintains approximately 39 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, USB Union Savings 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, USB Union Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does USB Union Savings Bank offer online and mobile banking?

Most modern institutions like USB Union Savings 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.usavingsbank.com.