National United

Overview / Commentary

www.nationalunited.com

254-865-2211

905 Main Street
Gatesville, TX 76528

National United is headquartered in Gatesville and is the 101^st largest bank in the state of Texas. It is also the 1,180^th largest bank in the nation. It was established in 1889 and as of December of 2019, it had grown to 154 employees at 7 locations. National United has an A+ health rating.

Reviews (1)

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Great hometown bank in Central Texas!

Posted by: margiereid | Feb 13, 2018

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.

Comment

Health

A+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3214
Year Established	1889
Employees	154
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.99%
Return on Equity - YTD	9.28%
Annual Interest Income	$28.3MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$646.0MM$604.0MM
Loans	Q4 2019vs Q4 2018	$416.5MM$373.2MM
Deposits	Q4 2019vs Q4 2018	$574.9MM$538.4MM
Equity Capital	Q4 2019vs Q4 2018	$69.7MM$64.6MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$6.1MM$5.0MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$2.6MM$4.3MM
Real Estate Owned	Q4 2019vs Q4 2018	$168.00K$486.00K

Rates

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Money Market
Checking
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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$100	-	Passbook Savings Account
0.05%	-	-	Commercial Savings

National United Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$500k^*	-	Commercial Money Market Account
OTHER TIERS: 0.05% → $1k - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $100k \| 0.35% → $100k - $250k \| 0.40% → $250k - $500k
0.45%^*	$500k^*	-	Personal Money Market Account
OTHER TIERS: 0.05% → $1k - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $100k \| 0.35% → $100k - $250k \| 0.40% → $250k - $500k

National United Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$500k^*	-	Small Business NOW Checking
OTHER TIERS: 0.05% → $1k - $25k \| 0.10% → $25k - $50k \| 0.15% → $50k - $100k \| 0.20% → $100k - $250k \| 0.25% → $250k - $500k
0.30%^*	$500k^*	-	Business State & Political Account
OTHER TIERS: 0.05% → $1k - $25k \| 0.10% → $25k - $100k \| 0.15% → $100k - $250k \| 0.25% → $250k - $500k
0.05%	$500	-	Gold Plus Account

National United CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$100k^*	-	5 Year CD
OTHER TIERS: 1.30% → $1k - $50k \| 1.35% → $50k - $100k
1.25%^*	$100k^*	-	3 Year CD
OTHER TIERS: 1.20% → $1k - $100k
1.10%^*	$100k^*	-	2 Year CD
OTHER TIERS: 1.00% → $1k - $100k
0.85%	$1k	-	18 Month CD
0.80%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.75% → $1k - $100k
0.50%	$1k	-	6 Month CD
0.40%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.25% → $1k - $50k \| 0.30% → $50k - $100k

National United IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$100k^*	-	5 Year IRA
OTHER TIERS: 1.30% → $1k - $50k \| 1.35% → $5k - $100k
1.25%^*	$100k^*	-	3 Year IRA
OTHER TIERS: 1.20% → $1k - $100k
1.10%^*	$100k^*	-	2 Year IRA
OTHER TIERS: 1.00% → $1k - $100k
0.85%	$1k	-	18 Month IRA
0.80%^*	$100k^*	-	12 Month IRA
OTHER TIERS: 0.75% → $1k - $100k

Locations

National United Locations
Cove Branch	408 South Main Street	Copperas Cove, TX 76522
Killeen Branch	4103 East Central Texas Expressway	Killeen, TX 76543
Waco Branch	5500 Bagby Avenue	Waco, TX 76711
Hewitt Branch	701 North Hewitt Drive	Hewitt, TX 76643
National Bank	905 Main Street	Gatesville, TX 76528
Lampasas Branch	907 South Key Avenue	Lampasas, TX 76550
National United Georgetown	5353 Williams Drive	Georgetown, TX 78633

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