Featured Savings Rates
Featured Accounts

National United

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.60%5-year CD5 Year CD
0.75%1-year CD12 Month CD
0.05%SavingsPassbook Savings Account

Overview / Commentary
254-865-2211
905 Main Street
Gatesville, TX 76528

National United is headquartered in Gatesville and is the 98th largest bank in the state of Texas. It is also the 1,146th largest bank in the nation. It was established in 1889 and as of September of 2017, it had grown to 151 employees at 7 locations. National United's money market rates are 14% higher than the national average, and it has an A health rating.

Reviews (1)

Great hometown bank in Central Texas!

I have banked at National United for the past 15 years. I love banking here because the employees really seem to care about their customers. I don't go inside the bank often, 90% of the time I use the drive thru. They always call me by name, and make me feel that I'm not just a number. Of course on paydays locations can get busy, but that also shows that people in the community prefer this bank. I recognize employees that have been working there since I started banking there, so that makes me think it's also a good place to work. I now have multiple account products as well as loans with this bank, and I have never had any issues. I have had fraud detected on my debit card before, and I have been immediately contacted regarding it. They have always taken care of the issue and kept me informed during the process. I can talk to a person when I call, and not a computer. That to me is so important when it comes to my financial institution.



Health

Health Grade Components

Overall
FDIC Certificate #3214
Year Established1889
Employees151
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD6.89%
Annual Interest Income$16.0MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$642.9MM$622.3MM
LoansQ3 2017vs Q3 2016$310.8MM$321.4MM
DepositsQ3 2017vs Q3 2016$578.2MM$558.7MM
Equity CapitalQ3 2017vs Q3 2016$63.8MM$62.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$4.6MM$5.8MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$806.00K$2.3MM
Real Estate OwnedQ3 2017vs Q3 2016$267.00K$357.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

National United Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Passbook Savings Account

National United Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$500k*-Personal Money Market Account
OTHER TIERS: 0.10% $1k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k | 0.40% $250k - $500k

National United Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Gold Plus Account

National United CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$1k-5 Year CD
1.30%$1k-3 Year CD
1.00%$1k-2 Year CD
0.85%*$100k*-18 Month CD
OTHER TIERS: 0.75% $1k - $100k
0.75%*$100k*-12 Month CD
OTHER TIERS: 0.55% $1k - $50k | 0.65% $50k - $100k
0.50%*$100k*-6 Month CD
OTHER TIERS: 0.30% $1k - $50k | 0.40% $50k - $100k
0.35%*$100k*-3 Month CD
OTHER TIERS: 0.15% $1k - $50k | 0.20% $50k - $100k

National United IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$1k-5 Year IRA
1.30%$1k-3 Year IRA
1.00%$1k-2 Year IRA
0.85%*$100k*-18 Month IRA
OTHER TIERS: 0.75% $1k - $100k
0.75%*$100k*-12 Month IRA
OTHER TIERS: 0.55% $1k - $50k | 0.65% $5k - $100k
Locations


National United Locations
Kempner Branch12444 East Highway 190Kempner, TX 76539
Cove Branch408 South Main StreetCopperas Cove, TX 76522
Killeen Branch4103 East Central Texas ExpresswayKilleen, TX 76543
Waco Branch5500 Bagby AvenueWaco, TX 76711
Hewitt Branch701 North Hewitt DriveHewitt, TX 76643
National Bank905 Main StreetGatesville, TX 76528
Lampasas Branch907 South Key AvenueLampasas, TX 76550