Union State Bank (14982)


Overview / Commentary
515-462-2161
611 West Highway 92
Winterset, IA 50273

Union State Bank (14982) is headquartered in Winterset and is the 207th largest bank in the state of Iowa. It is also the 4,179th largest bank in the nation. It was established in 1935 and as of June of 2019, it had grown to 23 employees at 3 locations. Union State Bank (14982)'s money market rates are 3X the national average, and it has a B+ health rating.

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Union State Bank (14982) has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #14982
Year Established1935
Employees23
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD10.66%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$92.5MM$84.7MM
LoansQ2 2019vs Q2 2018$56.0MM$54.4MM
DepositsQ2 2019vs Q2 2018$84.1MM$77.1MM
Equity CapitalQ2 2019vs Q2 2018$8.0MM$7.4MM
Loan Loss AllowanceQ2 2019vs Q2 2018$547.00K$548.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$230.00K$5.00K
Real Estate OwnedQ2 2019vs Q2 2018$228.00K$216.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Union State Bank (14982); we are a rate comparison website and cannot provide official rates or promotions.

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

Union State Bank (14982) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%--College Plan
0.60%--Super Saver
0.60%--Christmas Club Account
0.60%--Burial Trust
0.60%--Health Savings Account
0.30%*$25k*-Regular Savings
OTHER TIERS: 0.17% Up to $2.5k | 0.20% $2.5k - $10k | 0.25% $10k - $25k

Union State Bank (14982) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*$500k*-Advantage Money Market
OTHER TIERS: 0.15% Up to $25k | 0.75% $25k - $100k | 0.85% $100k - $300k | 1.05% $300k - $500k
0.40%*$25k*-Money Market Account
OTHER TIERS: 0.25% Up to $2.5k | 0.30% $2.5k - $10k | 0.35% $10k - $25k

Union State Bank (14982) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Choice Plus Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.20%*$25k*-Business Plus
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.10%$500-Choice Plus Checking - GO

Union State Bank (14982) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.16%*$25k*-60 Month CD
OTHER TIERS: 1.71% $500 - $2.5k | 1.76% $2.5k - $10k | 2.06% $10k - $25k
2.06%$2.5k-60 Month GO CD
2.01%*$25k*-48 Month CD
OTHER TIERS: 1.20% $500 - $2.5k | 1.40% $2.5k - $10k | 1.91% $10k - $25k
2.01%$1k-17 Month CD Special
1.91%*$25k*-36 Month CD
OTHER TIERS: 1.10% $500 - $2.5k | 1.30% $2.5k - $10k | 1.81% $10k - $25k
1.91%$2.5k-48 Month GO CD
1.81%$2.5k-36 Month GO CD
1.81%$10k-36 Month Step-Up CD Special
1.51%*$25k*-24 Month CD
OTHER TIERS: 0.65% $500 - $2.5k | 0.90% $2.5k - $10k | 1.40% $10k - $25k
1.40%$2.5k-24 Month GO CD
1.20%*$25k*-18 Month CD
OTHER TIERS: 0.65% $500 - $2.5k | 0.90% $2.5k - $10k | 1.15% $10k - $25k
1.15%$2.5k-18 Month GO CD
1.00%*$25k*-12 Month CD
OTHER TIERS: 0.40% $500 - $2.5k | 0.55% $2.5k - $10k | 0.90% $10k - $25k
0.90%$2.5k-12 Month GO CD
0.70%*$25k*-6 Month CD
OTHER TIERS: 0.25% $500 - $2.5k | 0.40% $2.5k - $10k | 0.65% $10k - $25k
0.65%$2.5k-6 Month GO CD

Union State Bank (14982) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.16%*$25k*-60 Month IRA CD
OTHER TIERS: 1.71% $500 - $2.5k | 1.76% $2.5k - $10k | 2.06% $10k - $25k
2.06%$2.5k-60 Month GO IRA CD
2.01%*$25k*-48 Month IRA CD
OTHER TIERS: 1.20% $500 - $2.5k | 1.40% $2.5k - $10k | 1.91% $10k - $25k
1.91%*$25k*-36 Month IRA CD
OTHER TIERS: 1.10% $500 - $2.5k | 1.30% $2.5k - $10k | 1.81% $10k - $25k
1.91%$2.5k-48 Month GO IRA CD
1.81%$2.5k-36 Month GO IRA CD
1.51%*$25k*-24 Month IRA CD
OTHER TIERS: 0.65% $500 - $2.5k | 0.90% $2.5k - $10k | 1.40% $10k - $25k
1.40%$2.5k-24 Month GO IRA CD
1.20%*$25k*-18 Month IRA CD
OTHER TIERS: 0.65% $500 - $2.5k | 0.90% $2.5k - $10k | 1.15% $10k - $25k
1.15%$2.5k-18 Month GO IRA CD
1.00%*$25k*-12 Month IRA CD
OTHER TIERS: 0.40% $500 - $2.5k | 0.55% $2.5k - $10k | 0.90% $10k - $25k
0.90%$2.5k-12 Month GO IRA CD
0.70%*$25k*-6 Month IRA CD
OTHER TIERS: 0.25% $500 - $2.5k | 0.40% $2.5k - $10k | 0.65% $10k - $25k
0.65%$2.5k-6 Month GO IRA CD
Locations


Union State Bank (14982) Locations
Truro Branch160 East GarfieldTruro, IA 50257
Union State Bank611 West Highway 92Winterset, IA 50273
West Des Moines Branch6305 Mills Civic Parkway, Suite 3121West Des Moines, IA 50266

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