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

National United is headquartered in Gatesville and is the 103rd largest bank in the state of Texas. It is also the 1,178th largest bank in the nation. It was established in 1889 and as of June of 2018, it had grown to 152 employees at 7 locations. National United's money market rates are 48% higher than the national average, and it has a B+ 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
B+

Health Grade Components

Overall
FDIC Certificate #3214
Year Established1889
Employees152
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD7.96%
Annual Interest Income$11.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$622.3MM$642.2MM
LoansQ2 2018vs Q2 2017$349.4MM$299.6MM
DepositsQ2 2018vs Q2 2017$558.9MM$578.2MM
Equity CapitalQ2 2018vs Q2 2017$62.6MM$63.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$5.1MM$4.7MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$556.00K$975.00K
Real Estate OwnedQ2 2018vs Q2 2017$167.00K$170.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not National United; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.10%$100-Passbook Savings Account

National United Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$500k*-Personal Money Market Account
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 0.50% $100k - $250k | 0.55% $250k - $500k

National United Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$500-Gold Plus Account

National United CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%*$100k*-5 Year CD
OTHER TIERS: 2.50% $1k - $50k | 2.55% $50k - $100k
2.25%*$100k*-3 Year CD
OTHER TIERS: 2.00% $1k - $100k
1.45%$1k-2 Year CD
1.25%$1k-18 Month CD
1.00%*$100k*-12 Month CD
OTHER TIERS: 0.75% $1k - $50k | 0.85% $50k - $100k
0.60%*$100k*-6 Month CD
OTHER TIERS: 0.40% $1k - $50k | 0.50% $50k - $100k
0.35%*$100k*-3 Month CD
OTHER TIERS: 0.20% $1k - $50k | 0.25% $50k - $100k

National United IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%*$100k*-5 Year IRA
OTHER TIERS: 2.50% $1k - $50k | 2.55% $5k - $100k
2.25%*$100k*-3 Year IRA
OTHER TIERS: 2.00% $1k - $100k
1.45%$1k-2 Year IRA
1.25%$1k-18 Month IRA
1.00%*$100k*-12 Month IRA
OTHER TIERS: 0.75% $1k - $50k | 0.85% $5k - $100k
Locations


National United Locations
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

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