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Union State Bank (14982)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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.usbiowa.com
515-462-2161
611 West Highway 92
Winterset, IA 50273

Union State Bank (14982) is headquartered in WINTERSET and is the 173rd largest bank in the state of Iowa. It is also the 3,489th largest bank in the nation. It was established in 1935 and as of March of 2025, it had grown to 21 employees at 3 locations. Union State Bank (14982)'s money market rates are 6X the national average, and it has a B health rating.

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Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #14982
Year Established1935
Employees21
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD10.94%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$138.4MM$142.9MM
LoansQ1 2025vs Q1 2024$83.8MM$82MM
DepositsQ1 2025vs Q1 2024$128.6MM$134.4MM
Equity CapitalQ1 2025vs Q1 2024$8.9MM$7.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$535K$550K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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 State Bank (14982) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$25k*-Regular Savings
OTHER TIERS: 0.20% → $0 - $2.5k | 0.25% → $2.5k - $10k | 0.90% → $10k - $25k
0.90%$0-Health Savings Account
0.70%$0-College Plan
0.70%$0-Super Saver
0.70%$0-Christmas Club Account
0.70%$0-Burial Trust

Union State Bank (14982) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.52%*$1m*-Advantage Money Market
OTHER TIERS: 0.20% → $0 - $25k | 1.00% → $25k - $100k | 1.25% → $100k - $300k | 1.50% → $300k - $500k | 2.01% → $500k - $1m
1.00%*$25k*-Money Market Account
OTHER TIERS: 0.20% → $0 - $2.5k | 0.30% → $2.5k - $10k | 0.70% → $10k - $25k

Union State Bank (14982) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.07%$0-Choice Plus Checking
0.07%$500-Choice Plus Checking - GO
0.07%$0-Business Plus

Union State Bank (14982) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$10k-7 Month CD Special
3.63%*$50k*-60 Month CD
OTHER TIERS: 1.40% → $500 - $2.5k | 2.92% → $2.5k - $10k | 3.23% → $10k - $25k | 3.43% → $25k - $50k
3.53%*$50k*-48 Month CD
OTHER TIERS: 1.30% → $500 - $2.5k | 2.77% → $2.5k - $10k | 3.18% → $10k - $25k | 3.33% → $25k - $50k
3.43%*$50k*-36 Month CD
OTHER TIERS: 1.20% → $500 - $2.5k | 2.52% → $2.5k - $10k | 3.13% → $10k - $25k | 3.23% → $25k - $50k
3.38%*$50k*-24 Month CD
OTHER TIERS: 1.10% → $500 - $2.5k | 2.27% → $2.5k - $10k | 3.02% → $10k - $25k | 3.18% → $25k - $50k
3.33%*$50k*-18 Month CD
OTHER TIERS: 1.00% → $500 - $2.5k | 2.01% → $2.5k - $10k | 3.02% → $10k - $25k | 3.12% → $25k - $50k
3.23%$2.5k-60 Month GO CD
3.18%$2.5k-48 Month GO CD
3.13%$2.5k-36 Month GO CD
3.13%$10k-36 Month Step-Up CD Special
3.02%*$50k*-12 Month CD
OTHER TIERS: 1.00% → $500 - $2.5k | 1.50% → $2.5k - $10k | 2.72% → $10k - $25k | 2.92% → $25k - $50k
3.02%$2.5k-18 Month GO CD
3.02%$2.5k-24 Month GO CD
2.92%*$50k*-6 Month CD
OTHER TIERS: 0.50% → $500 - $2.5k | 0.75% → $2.5k - $10k | 2.52% → $10k - $25k | 2.72% → $25k - $50k
2.72%$2.5k-12 Month GO CD
2.52%$2.5k-6 Month GO CD

Union State Bank (14982) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.63%*$50k*-60 Month IRA CD
OTHER TIERS: 1.40% → $500 - $2.5k | 2.92% → $2.5k - $10k | 3.23% → $10k - $25k | 3.43% → $25k - $50k
3.53%*$50k*-48 Month IRA CD
OTHER TIERS: 1.30% → $500 - $2.5k | 2.77% → $2.5k - $10k | 3.18% → $10k - $25k | 3.33% → $25k - $50k
3.43%*$50k*-36 Month IRA CD
OTHER TIERS: 1.20% → $500 - $2.5k | 2.52% → $2.5k - $10k | 3.13% → $10k - $25k | 3.23% → $25k - $50k
3.38%*$50k*-24 Month IRA CD
OTHER TIERS: 1.10% → $500 - $2.5k | 2.27% → $2.5k - $10k | 3.02% → $10k - $25k | 3.18% → $25k - $50k
3.33%*$50k*-18 Month IRA CD
OTHER TIERS: 1.00% → $500 - $2.5k | 2.01% → $2.5k - $10k | 3.02% → $10k - $25k | 3.12% → $25k - $50k
3.23%$2.5k-60 Month GO IRA CD
3.18%$2.5k-48 Month GO IRA CD
3.13%$2.5k-36 Month GO IRA CD
3.02%*$50k*-12 Month IRA CD
OTHER TIERS: 1.00% → $500 - $2.5k | 1.50% → $2.5k - $10k | 2.72% → $10k - $25k | 2.92% → $25k - $50k
3.02%$2.5k-18 Month GO IRA CD
3.02%$2.5k-24 Month GO IRA CD
2.92%*$50k*-6 Month IRA CD
OTHER TIERS: 0.50% → $500 - $2.5k | 0.75% → $2.5k - $10k | 2.52% → $10k - $25k | 2.72% → $25k - $50k
2.72%$2.5k-12 Month GO IRA CD
2.52%$2.5k-6 Month GO IRA CD
Locations


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

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