United Bank (MI)

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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.unitedbank4u.com

616-559-7000

900 E. Paris Ave. SE
Grand Rapids, MI 49546

United Bank (MI) is headquartered in GRAND RAPIDS and is the 14^th largest bank in the state of Michigan. It is also the 979^th largest bank in the nation. It was established in 1903 and as of March of 2025, it had grown to 159 employees at 13 locations. United Bank (MI)'s money market rates are 6X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	11807
Year Established	1903
Employees	159
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.99%
Return on Equity - YTD	10.39%
Annual Interest Income	$12.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.06B$1.01B
Loans	Q1 2025vs Q1 2024	$811.1MM$775.2MM
Deposits	Q1 2025vs Q1 2024	$896.8MM$835.2MM
Equity Capital	Q1 2025vs Q1 2024	$98.9MM$92.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$8.3MM$8.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.1MM$406K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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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Savings
Money Market
Checking
CD

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

United Bank (MI) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$5	-	Savings Club
0.05%	$0	-	Everyday Savings
0.05%	$0	-	Business Savings

United Bank (MI) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%^*	$500k^*	-	Money Market
OTHER TIERS: 0.75% → $0 - $50k \| 1.50% → $50k - $250k \| 2.25% → $250k - $500k
2.75%^*	$500k^*	-	Business Money Market
OTHER TIERS: 0.75% → $0 - $50k \| 1.50% → $50k - $250k \| 2.25% → $250k - $500k

United Bank (MI) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%^*	$2k^*	$10k	Interest Plus Checking
OTHER TIERS: 0.01% → $0+ \| 2.50% → $1k - $2k
0.10%^*	$75k^*	-	Business Interest Checking
OTHER TIERS: 0.05% → $0 - $75k

United Bank (MI) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.05%	$500	$500k	6 Month CD Special

Locations

Availability

Grand Rapids Area

Grand Rapids Area bank & credit union details

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