Featured Savings Rates
Featured Accounts

Union State Bank (14982)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.31%5-year CD60 Month GO CD
0.35%1-year CD12 Month GO CD
0.14%SavingsRegular Savings

Overview / Commentary
515-462-2161
201 West Court Avenue
Winterset, IA 50273

Union State Bank (14982) is headquartered in Winterset and is the 213th largest bank in the state of Iowa. It is also the 4,623rd largest bank in the nation. It was established in 1935 and as of September of 2016, it had grown to 25 employees at 4 locations. Union State Bank (14982) 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
Employees25
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD6.71%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$88.0MM$84.6MM
LoansQ3 2016vs Q3 2015$52.8MM$46.9MM
DepositsQ3 2016vs Q3 2015$78.2MM$74.0MM
Equity CapitalQ3 2016vs Q3 2015$7.4MM$7.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$475.00K$405.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$254.00K$127.00K
Real Estate OwnedQ3 2016vs Q3 2015$216.00K$216.00K
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 State Bank (14982) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--College Plan
0.30%--Super Saver
0.30%--Burial Trust
0.18%--Christmas Club Account
0.14%*$25k*-Regular Savings
OTHER TIERS: 0.10% Up to $10k | 0.12% $10k - $25k

Union State Bank (14982) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Money Market Account
OTHER TIERS: 0.08% Up to $2,500 | 0.10% $2,500 - $10k | 0.13% $10k - $25k

Union State Bank (14982) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Choice Plus Checking
0.05%$500-Choice Plus Checking - GO
0.05%--Golden Opportunity Business Plus
0.05%$500-Golden Opportunity Business Plus - GO

Union State Bank (14982) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%*$25k*-60 Month CD
OTHER TIERS: 0.90% $500 - $2,500 | 1.26% $2,500 - $10k | 1.31% $10k - $25k
1.31%$2,500-60 Month GO CD
1.21%*$25k*-48 Month CD
OTHER TIERS: 0.70% $500 - $2,500 | 1.00% $2,500 - $10k | 1.16% $10k - $25k
1.16%$2,500-48 Month GO CD
0.85%*$25k*-36 Month CD
OTHER TIERS: 0.50% $500 - $2,500 | 0.55% $2,500 - $10k | 0.80% $10k - $25k
0.80%$2,500-36 Month GO CD
0.80%$10k-36 Month Step-Up CD
0.55%*$25k*-24 Month CD
OTHER TIERS: 0.30% $500 - $2,500 | 0.45% $2,500 - $10k | 0.50% $10k - $25k
0.50%*$25k*-18 Month CD
OTHER TIERS: 0.25% $500 - $2,500 | 0.38% $2,500 - $10k | 0.45% $10k - $25k
0.50%$2,500-24 Month GO CD
0.45%$2,500-18 Month GO CD
0.40%*$25k*-12 Month CD
OTHER TIERS: 0.15% $500 - $2,500 | 0.30% $2,500 - $10k | 0.35% $10k - $25k
0.35%$2,500-12 Month GO CD
0.20%*$25k*-6 Month CD
OTHER TIERS: 0.05% $500 - $2,500 | 0.08% $2,500 - $10k | 0.18% $10k - $25k
0.18%$2,500-6 Month GO CD

Union State Bank (14982) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%*$25k*-60 Month IRA CD
OTHER TIERS: 0.90% $500 - $2,500 | 1.26% $2,500 - $10k | 1.31% $10k - $25k
1.31%$2,500-60 Month GO IRA CD
1.21%*$25k*-48 Month IRA CD
OTHER TIERS: 0.70% $500 - $2,500 | 1.00% $2,500 - $10k | 1.16% $10k - $25k
1.16%$2,500-48 Month GO IRA CD
0.85%*$25k*-36 Month IRA CD
OTHER TIERS: 0.50% $500 - $2,500 | 0.55% $2,500 - $10k | 0.80% $10k - $25k
0.80%$2,500-36 Month GO IRA CD
0.80%$10k-36 Month Step-Up IRA CD
0.55%*$25k*-24 Month IRA CD
OTHER TIERS: 0.30% $500 - $2,500 | 0.45% $2,500 - $10k | 0.50% $10k - $25k
0.50%*$25k*-18 Month IRA CD
OTHER TIERS: 0.25% $500 - $2,500 | 0.38% $2,500 - $10k | 0.45% $10k - $25k
0.50%$2,500-24 Month GO IRA CD
0.45%$2,500-18 Month GO IRA CD
0.40%*$25k*-12 Month IRA CD
OTHER TIERS: 0.15% $500 - $2,500 | 0.30% $2,500 - $10k | 0.35% $10k - $25k
0.35%$2,500-12 Month GO IRA CD
0.20%*$25k*-6 Month IRA CD
OTHER TIERS: 0.05% $500 - $2,500 | 0.08% $2,500 - $10k | 0.18% $10k - $25k
0.18%$2,500-6 Month GO IRA CD
Locations


Union State Bank (14982) Locations
Truro Branch160 East GarfieldTruro, IA 50257
Union State Bank201 West Court AvenueWinterset, IA 50273
West Des Moines Branch6305 Mills Civic Parkway, Suite 3121West Des Moines, IA 50266
Winterset Branch611 West Highway 92Winterset, IA 50273