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Union Bank (VT)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 2nd largest bank in the state of Vermont. It is also the 738th largest bank in the nation. It was established in 1891 and as of March of 2025, it had grown to 188 employees at 21 locations. Union Bank (VT)'s CD rates are 4X the national average, and it has a C+ health rating.

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Health
C+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #14158
Year Established1891
Employees188
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD12.92%
Annual Interest Income$18.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.52B$1.42B
LoansQ1 2025vs Q1 2024$1.16B$1.03B
DepositsQ1 2025vs Q1 2024$1.19B$1.18B
Equity CapitalQ1 2025vs Q1 2024$85.7MM$79.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$8.1MM$6.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$15MM$1.9MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$500k*-Statement Savings
OTHER TIERS: 0.02% → $1 - $100k | 0.05% → $100k - $500k
0.10%*$250k*-HSA Checking
OTHER TIERS: 0.05% → $1k - $250k
0.10%$5-Holiday Club Accounts
0.05%$1-Save for Success Account

Union Bank (VT) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$500k*-Money Market Account
OTHER TIERS: 0.10% → $1k - $10k | 0.15% → $10k - $50k | 0.25% → $50k - $100k | 0.35% → $100k - $250k | 0.45% → $250k - $500k

Union Bank (VT) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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*-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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$1k-6 Month CD
4.10%$100k-6 Month Jumbo CD
3.72%$500-5 Year CD
3.72%$100k-5 Year Jumbo CD
3.67%$500-1 Year CD
3.67%$100k-1 Year Jumbo CD
3.61%$500-4 Year CD
3.61%$100k-4 Year Jumbo CD
3.56%$500-3 Year CD
3.56%$100k-3 Year Jumbo CD
3.56%$100-3 Year Save For Success CD
3.51%$500-2 Year CD
3.51%$100k-2 Year Jumbo CD

Union Bank (VT) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$500-6 Month IRA
4.10%$100k-6 Month Jumbo IRA
3.72%$500-5 Year IRA
3.72%$100k-5 Year Jumbo IRA
3.67%$500-1 Year IRA
3.67%$100k-1 Year Jumbo IRA
3.61%$500-4 Year IRA
3.61%$100k-4 Year Jumbo IRA
3.56%$500-3 Year IRA
3.56%$100k-3 Year Jumbo IRA
3.51%$500-2 Year IRA
3.51%$100k-2 Year Jumbo IRA
Locations

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