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 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

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
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
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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