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.

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Health

A+

Data as of Q1 2021

Data displayed below is for insuring bank: Bancorp South

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Health Grade Components

Overall
FDIC Certificate #	11813
Year Established	1876
Employees	4546
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.31%
Return on Equity - YTD	11.55%
Annual Interest Income	$193.1MM

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$25.80B$21.05B
Loans	Q1 2021vs Q1 2020	$15.33B$14.21B
Deposits	Q1 2021vs Q1 2020	$20.87B$16.73B
Equity Capital	Q1 2021vs Q1 2020	$2.83B$2.68B
Loan Loss Allowance	Q1 2021vs Q1 2020	$241.1MM$218.2MM
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$76.2MM$96.1MM
Real Estate Owned	Q1 2021vs Q1 2020	$9.4MM$9.2MM

Rates

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Money Market
Checking
CD
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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%	-	-	Commercial Savings
0.05%	$100	-	Saving Account

National United Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$500k^*	-	Commercial Money Market Account
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^*	-	Personal Money Market Account
OTHER TIERS: 0.05% → $1k - $25k \| 0.10% → $25k - $50k \| 0.15% → $50k - $100k \| 0.20% → $100k - $250k \| 0.25% → $250k - $500k

National United Checking Account Rates

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

National United CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	-	5 Year CD
OTHER TIERS: 0.80% → $1k - $50k \| 0.90% → $50k - $100k
0.75%^*	$100k^*	-	3 Year CD
OTHER TIERS: 0.60% → $1k - $50k \| 0.70% → $50k - $100k
0.55%^*	$100k^*	-	2 Year CD
OTHER TIERS: 0.45% → $1k - $50k \| 0.50% → $50k - $100k
0.45%^*	$100k^*	-	18 Month CD
OTHER TIERS: 0.40% → $1k - $100k
0.35%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.30% → $1k - $100k
0.25%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.20% → $1k - $100k
0.15%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.10% → $1k - $100k

National United IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	-	5 Year IRA
OTHER TIERS: 0.80% → $1k - $50k \| 0.90% → $50k - $100k
0.75%^*	$100k^*	-	3 Year IRA
OTHER TIERS: 0.60% → $1k - $50k \| 0.70% → $50k - $100k
0.55%^*	$100k^*	-	2 Year IRA
OTHER TIERS: 0.45% → $1k - $50k \| 0.50% → $50k - $100k
0.50%^*	$1k^*	$100k	18 Month IRA
OTHER TIERS: 0.45% → $100k+
0.35%^*	$100k^*	-	12 Month IRA
OTHER TIERS: 0.30% → $1k - $100k

Locations

Availability

Waco Area

Waco Area bank & credit union details

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