Union State Bank (14982)

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
2.01%	5-year CD	60 Month GO CD 2.50% - Ally Bank High Yield 5 Year CD
0.40%	1-year CD	12 Month GO CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.25%	Savings	Regular Savings 1.30% - Nationwide Bank Online Savings Account

View all Union State Bank (14982) rates »

Overview / Commentary

www.usbiowa.com

515-462-2161

611 West Highway 92
Winterset, IA 50273

Union State Bank (14982) is headquartered in Winterset and is the 215^th largest bank in the state of Iowa. It is also the 4,457^th largest bank in the nation. It was established in 1935 and as of December of 2017, it had grown to 23 employees at 3 locations. Union State Bank (14982) has a B health rating.

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Health

B

Data as of Q4 2017

Learn why bank health matters

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 Established	1935
Employees	23
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.81%
Return on Equity - YTD	9.85%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$88.8MM$87.9MM
Loans	Q4 2017vs Q4 2016	$56.5MM$52.6MM
Deposits	Q4 2017vs Q4 2016	$78.2MM$79.9MM
Equity Capital	Q4 2017vs Q4 2016	$7.3MM$7.0MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$548.00K$520.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$0$229.00K
Real Estate Owned	Q4 2017vs Q4 2016	$216.00K$216.00K

Rates

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Money Market
Checking
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* 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

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	College Plan
0.50%	-	-	Super Saver
0.50%	-	-	Burial Trust
0.50%	-	-	Health Savings Account
0.35%	-	-	Christmas Club Account
0.25%^*	$25k^*	-	Regular Savings
OTHER TIERS: 0.12% → Up to $10k \| 0.20% → $10k - $25k

Union State Bank (14982) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$25k^*	-	Money Market Account
OTHER TIERS: 0.12% → Up to $2,500 \| 0.15% → $2,500 - $10k \| 0.25% → $10k - $25k

Union State Bank (14982) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$25k^*	-	Choice Plus Checking
OTHER TIERS: 0.08% → Up to $10k \| 0.10% → $10k - $25k
0.15%^*	$25k^*	-	Golden Opportunity Business Plus
OTHER TIERS: 0.08% → Up to $10k \| 0.10% → $10k - $25k
0.08%	$500	-	Choice Plus Checking - GO
0.08%	$500	-	Golden Opportunity Business Plus - GO

Union State Bank (14982) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$1k	-	27 Month CD Special
2.06%^*	$25k^*	-	60 Month CD
OTHER TIERS: 1.76% → $500 - $2,500 \| 1.81% → $2,500 - $10k \| 2.01% → $10k - $25k
2.01%	$2,500	-	60 Month GO CD
1.75%	$1k	-	17 Month CD Special
1.56%^*	$25k^*	-	48 Month CD
OTHER TIERS: 1.00% → $500 - $2,500 \| 1.20% → $2,500 - $10k \| 1.41% → $10k - $25k
1.41%	$2,500	-	48 Month GO CD
1.31%^*	$25k^*	-	36 Month CD
OTHER TIERS: 0.75% → $500 - $2,500 \| 0.85% → $2,500 - $10k \| 1.20% → $10k - $25k
1.31%	$10k	-	36 Month Step-Up CD Special
1.25%	$1k	-	11 Month CD Special
1.20%	$2,500	-	36 Month GO CD
1.10%^*	$25k^*	-	24 Month CD
OTHER TIERS: 0.50% → $500 - $2,500 \| 0.80% → $2,500 - $10k \| 1.00% → $10k - $25k
1.00%	$2,500	-	24 Month GO CD
0.70%^*	$25k^*	-	18 Month CD
OTHER TIERS: 0.25% → $500 - $2,500 \| 0.40% → $2,500 - $10k \| 0.50% → $10k - $25k
0.60%^*	$25k^*	-	12 Month CD
OTHER TIERS: 0.20% → $500 - $2,500 \| 0.35% → $2,500 - $10k \| 0.40% → $10k - $25k
0.50%	$2,500	-	18 Month GO CD
0.45%^*	$25k^*	-	6 Month CD
OTHER TIERS: 0.20% → $500 - $2,500 \| 0.25% → $2,500 - $10k \| 0.30% → $10k - $25k
0.40%	$2,500	-	12 Month GO CD
0.30%	$2,500	-	6 Month GO CD

Union State Bank (14982) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.06%^*	$25k^*	-	60 Month IRA CD
OTHER TIERS: 1.76% → $500 - $2,500 \| 1.81% → $2,500 - $10k \| 2.01% → $10k - $25k
2.01%	$2,500	-	60 Month GO IRA CD
1.56%^*	$25k^*	-	48 Month IRA CD
OTHER TIERS: 1.00% → $500 - $2,500 \| 1.20% → $2,500 - $10k \| 1.41% → $10k - $25k
1.41%	$2,500	-	48 Month GO IRA CD
1.31%^*	$25k^*	-	36 Month IRA CD
OTHER TIERS: 0.75% → $500 - $2,500 \| 0.85% → $2,500 - $10k \| 1.20% → $10k - $25k
1.31%	$10k	-	36 Month Step-Up IRA CD Special
1.20%	$2,500	-	36 Month GO IRA CD
1.10%^*	$25k^*	-	24 Month IRA CD
OTHER TIERS: 0.50% → $500 - $2,500 \| 0.80% → $2,500 - $10k \| 1.00% → $10k - $25k
1.00%	$2,500	-	24 Month GO IRA CD
0.70%^*	$25k^*	-	18 Month IRA CD
OTHER TIERS: 0.25% → $500 - $2,500 \| 0.40% → $2,500 - $10k \| 0.50% → $10k - $25k
0.60%^*	$25k^*	-	12 Month IRA CD
OTHER TIERS: 0.20% → $500 - $2,500 \| 0.35% → $2,500 - $10k \| 0.40% → $10k - $25k
0.50%	$2,500	-	18 Month GO IRA CD
0.45%^*	$25k^*	-	6 Month IRA CD
OTHER TIERS: 0.20% → $500 - $2,500 \| 0.25% → $2,500 - $10k \| 0.30% → $10k - $25k
0.40%	$2,500	-	12 Month GO IRA CD
0.30%	$2,500	-	6 Month GO IRA CD

Locations

Union State Bank (14982) Locations
Truro Branch	160 East Garfield	Truro, IA 50257
Union State Bank	611 West Highway 92	Winterset, IA 50273
West Des Moines Branch	6305 Mills Civic Parkway, Suite 3121	West Des Moines, IA 50266

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