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United Southern Bank (FL)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.unitedsouthernbank.com
352-669-2121
750 North Central Avenue
Umatilla, FL 32784

United Southern Bank (FL) is headquartered in UMATILLA and is the 37th largest bank in the state of Florida. It is also the 1,163rd largest bank in the nation. It was established in 1937 and as of March of 2025, it had grown to 152 employees at 14 locations. United Southern Bank (FL)'s money market rates are 70% higher than the national average, and it has a B+ health rating.

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #15465
Year Established1937
Employees152
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD20.57%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$874MM$880.6MM
LoansQ1 2025vs Q1 2024$401MM$367.7MM
DepositsQ1 2025vs Q1 2024$818.3MM$787.3MM
Equity CapitalQ1 2025vs Q1 2024$47.1MM$34.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$9.2MM$9.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.6MM$1.7MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Southern Bank (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Regular Savings
0.05%$0-Holiday Club

United Southern Bank (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$250k*-Money Market
OTHER TIERS: 0.05% → $5k - $25k | 0.25% → $25k - $50k | 0.40% → $50k - $100k | 0.50% → $100k - $250k

United Southern Bank (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$0-Choice Checking

United Southern Bank (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1k-60 Month CD
0.25%$1k-36 Month CD
0.25%$1k-48 Month CD
0.20%$1k-24 Month CD
0.20%$1k-30 Month CD
0.15%$1k-12 Month CD
0.15%$1k-18 Month CD
0.10%$1k-182 Day CD
0.05%$1k-91 Day CD

United Southern Bank (FL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$1k-60 Month IRA
0.30%$1k-36 Month IRA
0.30%$1k-48 Month IRA
0.25%$1k-24 Month IRA
0.25%$1k-30 Month IRA
0.20%$1k-12 Month IRA
0.20%$1k-18 Month IRA
0.15%$1k-182 Day IRA
0.15%$1k-18 Month Variable IRA
0.10%$1k-91 Day IRA
Locations

Availability



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