National United


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

National United is headquartered in Gatesville and is the 101st largest bank in the state of Texas. It is also the 1,180th 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)

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
A+

Health Grade Components

Overall
FDIC Certificate #3214
Year Established1889
Employees154
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD9.28%
Annual Interest Income$28.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$646.0MM$604.0MM
LoansQ4 2019vs Q4 2018$416.5MM$373.2MM
DepositsQ4 2019vs Q4 2018$574.9MM$538.4MM
Equity CapitalQ4 2019vs Q4 2018$69.7MM$64.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$6.1MM$5.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$2.6MM$4.3MM
Real Estate OwnedQ4 2019vs Q4 2018$168.00K$486.00K
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
0.05%$100-Passbook Savings Account
0.05%--Commercial Savings

National United Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 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
National United Georgetown5353 Williams DriveGeorgetown, TX 78633

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