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 854^th largest bank in the nation. It was established in 1891 and as of June of 2022, it had grown to 206 employees at 21 locations. Union Bank (VT)'s money market rates are 14% higher than the national average, and it 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 2022

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Health Grade Components

Overall
FDIC Certificate #	14158
Year Established	1891
Employees	206
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.97%
Return on Equity - YTD	13.45%
Annual Interest Income	$20.1MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$1.19B$1.07B
Loans	Q2 2022vs Q2 2021	$814.6MM$774.5MM
Deposits	Q2 2022vs Q2 2021	$1.11B$970.8MM
Equity Capital	Q2 2022vs Q2 2021	$75.6MM$81.7MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$8.3MM$8.5MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$1.4MM$5.7MM
Real Estate Owned	Q2 2022vs Q2 2021	$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
0.10%^*	$500k^*	-	Passbook Account
OTHER TIERS: 0.02% → $25 - $100k \| 0.05% → $100k - $500k
0.10%^*	$500k^*	-	Statement Savings
OTHER TIERS: 0.02% → $25 - $100k \| 0.05% → $100k - $500k
0.10%^*	$250k^*	-	HSA Checking
OTHER TIERS: 0.05% → $1k - $25k
0.10%	$5	-	Holiday Club Accounts
0.05%	$1	-	Save for Success Account
0.00%	$5	-	Holiday Club w/ Coupon Book Account

Union Bank (VT) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$500k^*	-	Money Market Account
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k \| 0.30% → $100k - $249 \| 0.40% → $250k - $500k

Union Bank (VT) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$750	-	Municipal Checking w/ Interest
0.10%^*	$250k^*	-	Checking with Interest
OTHER TIERS: 0.05% → $1k - $250k
0.10%^*	$250k^*	-	UB55 Checking
OTHER TIERS: 0.05% → $1k - $250k
0.10%^*	$250k^*	-	Business Checking with Interest
OTHER TIERS: 0.05% → $1k - $250k
0.10%^*	$250k^*	-	Basic Advantage Checking
OTHER TIERS: 0.05% → $1k - $250k
0.10%^*	$250k^*	-	Advantage Checking
OTHER TIERS: 0.05% → $1k - $250k
0.10%^*	$250k^*	-	Advantage Checking Plus
OTHER TIERS: 0.05% → $1k - $250k
0.10%^*	$100k^*	-	IOLTA Account
OTHER TIERS: 0.02% → $10k - $50k \| 0.05% → $50k - $100k
0.10%^*	$100k^*	-	IORTA Account
OTHER TIERS: 0.02% → $10k - $50k \| 0.05% → $50k - $100k

Union Bank (VT) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.22%	$1k	-	22 Month CD Special
2.22%	$100k	-	22 Month Jumbo CD Special
1.00%	$500	-	60 Month CD
1.00%	$100k	-	60 Month Jumbo CD
0.75%	$500	-	48-59 Month CD
0.75%	$100k	-	48 - 59 Month Jumbo CD
0.65%	$500	-	36-47 Month CD
0.65%	$100k	-	36 - 47 Month Jumbo CD
0.65%	$100	-	36 Month Save For Success CD
0.60%	$500	-	24-35 Month CD
0.60%	$100k	-	24 - 35 Month Jumbo CD
0.55%	$500	-	18-23 Month CD
0.55%	$100k	-	18 - 23 Month Jumbo CD
0.50%	$500	-	12-17 Month CD
0.50%	$100k	-	12 - 17 Month Jumbo CD
0.50%	$250k	-	156 Week CDARS CD
0.45%	$250k	-	104 Week CDARS CD
0.40%	$1k	-	6-11 Month CD
0.40%	$100k	-	183 - 364 Day Jumbo CD
0.35%	$250k	-	52 Week CDARS CD
0.25%	$250k	-	26 Week CDARS CD

Union Bank (VT) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.22%	$1k	-	22 Month IRA Special
2.22%	$100k	-	22 Month Jumbo IRA Special
1.00%	$500	-	60 Month IRA
1.00%	$100k	-	60 Month Jumbo IRA
0.75%	$500	-	48-59 Month IRA
0.75%	$100k	-	48 - 59 Month Jumbo IRA
0.65%	$500	-	36-47 Month IRA
0.65%	$100k	-	36 - 47 Month Jumbo IRA
0.60%	$500	-	24-35 Month IRA
0.60%	$100k	-	24 - 35 Month Jumbo IRA
0.55%	$500	-	18-23 Month IRA
0.55%	$100k	-	18 - 23 Month Jumbo IRA
0.50%	$500	-	12-17 Month IRA
0.50%	$100k	-	12 - 17 Month Jumbo IRA
0.50%	$250k	-	156 Week CDARS IRA
0.45%	$250k	-	104 Week CDARS IRA
0.40%	$500	-	6-11 Month IRA
0.40%	$100k	-	183 - 364 Day Jumbo IRA
0.35%	$250k	-	52 Week CDARS IRA
0.25%	$250k	-	26 Week CDARS IRA

Locations

Availability

Burlington Area

Burlington Area bank & credit union details

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