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 769^th largest bank in the nation. It was established in 1891 and as of March of 2023, it had grown to 189 employees at 21 locations. Union Bank (VT)'s CD rates are 40% higher than the national average, and it has a B+ 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

B+

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	14158
Year Established	1891
Employees	189
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	17.35%
Annual Interest Income	$13.0MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$1.36B$1.23B
Loans	Q1 2023vs Q1 2022	$969.7MM$822.6MM
Deposits	Q1 2023vs Q1 2022	$1.23B$1.14B
Equity Capital	Q1 2023vs Q1 2022	$76.7MM$85.1MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$6.9MM$8.3MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$2.3MM$4.4MM
Real Estate Owned	Q1 2023vs Q1 2022	$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^*	-	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

Union Bank (VT) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$500k^*	-	Money Market Account
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $50k \| 0.25% → $50k - $100k \| 0.35% → $100k - $249 \| 0.45% → $250k - $500k

Union Bank (VT) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$250k^*	-	Basic Advantage Checking
OTHER TIERS: 0.05% → $1k - $250k
0.15%^*	$250k^*	-	Advantage Checking
OTHER TIERS: 0.05% → $1k - $250k
0.15%^*	$250k^*	-	Advantage Checking Plus
OTHER TIERS: 0.05% → $1k - $250k
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%^*	$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
4.50%	$5k	-	9 Month CD Special
4.50%	$100k	-	9 Month Jumbo CD Special
1.51%	$1k	-	6-11 Month CD
1.51%	$100k	-	183 - 364 Day Jumbo CD
1.26%	$500	-	12-17 Month CD
1.26%	$100k	-	12 - 17 Month Jumbo CD
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%	$250k	-	156 Week CDARS CD
0.45%	$250k	-	104 Week CDARS 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
4.50%	$5k	-	9 Month IRA Special
4.50%	$100k	-	9 Month Jumbo IRA Special
1.51%	$500	-	6-11 Month IRA
1.51%	$100k	-	183 - 364 Day Jumbo IRA
1.26%	$500	-	12-17 Month IRA
1.26%	$100k	-	12 - 17 Month Jumbo IRA
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%	$250k	-	156 Week CDARS IRA
0.45%	$250k	-	104 Week CDARS 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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