Union Bank (VT)

Overview / Commentary

www.ublocal.com

802-888-6600

20 Lower Main Street
Morrisville, VT 05661

Union Bank (VT) is headquartered in Morrisville and is the 2^nd largest bank in the state of Vermont. It is also the 976^th largest bank in the nation. It was established in 1891 and as of June of 2020, it had grown to 195 employees at 20 locations. Union Bank (VT) has an A health rating.

View all posts from:

2019
2018

1/10 - 19 Month CD And IRA Winter Special

8/5 - 3.02% APY 8-Month CD Special (Berlin, VT Branch Only - LOCAL ONLY)
4/23 - Union Bank (VT and NH) Adds 3-Year CD

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Health

Data as of Q2 2020

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Health Grade Components

Overall
FDIC Certificate #	14158
Year Established	1891
Employees	195
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.14%
Return on Equity - YTD	13.82%
Annual Interest Income	$18.1MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$916.6MM$773.2MM
Loans	Q2 2020vs Q2 2019	$728.5MM$609.8MM
Deposits	Q2 2020vs Q2 2019	$823.7MM$656.2MM
Equity Capital	Q2 2020vs Q2 2019	$75.4MM$68.4MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$6.9MM$5.7MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$3.0MM$1.3MM
Real Estate Owned	Q2 2020vs Q2 2019	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Union Bank (VT) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$250k^*	-	Passbook Account
OTHER TIERS: 0.05% → $25 - $50k \| 0.10% → $50k - $100k \| 0.15% → $100k - $250k
0.20%^*	$50k^*	-	Statement Savings
OTHER TIERS: 0.10% → $25 - $50k
0.20%^*	$25k^*	-	HSA Checking
OTHER TIERS: 0.05% → $300 - $5k \| 0.10% → $5k - $10k \| 0.15% → $10k - $25k
0.10%	$1	-	Save for Success Account
0.10%	$5	-	Holiday Club Accounts
0.05%	$5	-	Holiday Club w/ Coupon Book Account

Union Bank (VT) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$500k^*	-	Money Market Account
OTHER TIERS: 0.05% → $500 - $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k \| 0.25% → $100k - $249 \| 0.30% → $250k - $500k

Union Bank (VT) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$500k^*	-	IOLTA Account
OTHER TIERS: 0.05% → $10k - $50k \| 0.10% → $50k - $100k \| 0.15% → $100k - $500k
0.20%^*	$500k^*	-	IORTA Account
OTHER TIERS: 0.05% → $10k - $50k \| 0.10% → $50k - $100k \| 0.15% → $100k - $500k
0.15%	$750	-	Municipal Checking w/ Interest
0.10%^*	$5k^*	-	Basic Advantage Checking
OTHER TIERS: 0.05% → $300 - $5k
0.10%^*	$5k^*	-	Advantage Checking
OTHER TIERS: 0.05% → $300 - $5k
0.10%^*	$5k^*	-	Advantage Checking Plus
OTHER TIERS: 0.05% → $300 - $5k
0.05%^*	$5k^*	-	Checking with Interest
OTHER TIERS: 0.02% → $300 - $5k
0.05%^*	$5k^*	-	UB55 Checking
OTHER TIERS: 0.02% → $300 - $5k
0.05%^*	$5k^*	-	Business Checking with Interest
OTHER TIERS: 0.02% → $300 - $5k

Union Bank (VT) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$100k	-	60 Month Jumbo CD
0.75%	$500	-	60 Month CD
0.75%	$100k	-	48 - 59 Month Jumbo CD
0.65%	$500	-	48-59 Month CD
0.50%	$100k	-	36 - 47 Month Jumbo CD
0.45%	$500	-	36-47 Month CD
0.45%	$100	-	36 Month Save For Success CD
0.40%	$100k	-	24 - 35 Month Jumbo CD
0.35%	$500	-	24-35 Month CD
0.35%	$100k	-	18 - 23 Month Jumbo CD
0.30%	$500	-	18-23 Month CD
0.30%	$100k	-	12 - 17 Month Jumbo CD
0.30%	$250k	-	156 Week CDARS CD
0.25%	$500	-	12-17 Month CD
0.25%	$10k	-	12 Month Flex CD
0.25%	$100k	-	12 Month Jumbo Flex CD
0.20%	$100k	-	183 - 364 Day Jumbo CD
0.20%	$250k	-	104 Week CDARS CD
0.15%	$1k	-	6-11 Month CD
0.10%	$250k	-	26 Week CDARS CD
0.10%	$250k	-	52 Week CDARS CD

Union Bank (VT) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$100k	-	60 Month Jumbo IRA
0.75%	$500	-	60 Month IRA
0.75%	$100k	-	48 - 59 Month Jumbo IRA
0.65%	$500	-	48-59 Month IRA
0.50%	$100k	-	36 - 47 Month Jumbo IRA
0.45%	$500	-	36-47 Month IRA
0.40%	$100k	-	24 - 35 Month Jumbo IRA
0.35%	$500	-	24-35 Month IRA
0.35%	$100k	-	18 - 23 Month Jumbo IRA
0.30%	$500	-	18-23 Month IRA
0.30%	$100k	-	12 - 17 Month Jumbo IRA
0.30%	$250k	-	156 Week CDARS IRA
0.25%	$500	-	12-17 Month IRA
0.20%	$100k	-	183 - 364 Day Jumbo IRA
0.20%	$250k	-	104 Week CDARS IRA
0.15%	$500	-	6-11 Month IRA
0.10%	$250k	-	26 Week CDARS IRA
0.10%	$250k	-	52 Week CDARS IRA

Locations

Availability

Burlington Area

Burlington Area bank & credit union details

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