United Bank (MI)

Featured Account Options

Final Results

Posted by: DavidofAnnArbor | Nov 7, 2013

I feel that the United Bank of Michigan met my expectations with respect to the Health Savings Account thus far. The interest rate they provide seems unbeatable to me, and the account was able to opened up without any problems. I used it already to pay a dental bill.

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Update To The Review From The Day Before

Posted by: DavidofAnnArbor | Aug 23, 2013

I wrote a review yesterday based on information from one staff person. A different person who seems to have more authority on the HSA process told me today that opening up an HSA can be done via a combination of email and regular mail. So I'm in the process of hopefully having my application approved so that I can take advantage of the 3.25% rate. I hope the rate is accurate.

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Opening An HSA Account

Posted by: DavidofAnnArbor | Aug 22, 2013

I was told 8.22.2013 that you can't get the HSA account unless you open up the account personally at a branch office, or if you do it online you have to have a zipcode for a location in the Grand Rapids area.

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Health

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	11807
Year Established	1903
Employees	141
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.15%
Return on Equity - YTD	11.66%
Annual Interest Income	$20.6MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$638.9MM$612.8MM
Loans	Q3 2018vs Q3 2017	$551.6MM$522.7MM
Deposits	Q3 2018vs Q3 2017	$489.1MM$472.5MM
Equity Capital	Q3 2018vs Q3 2017	$64.4MM$59.4MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$5.5MM$5.5MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$3.6MM$3.0MM
Real Estate Owned	Q3 2018vs Q3 2017	$155.00K$664.00K

Rates

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Savings
Checking

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Always verify rates and promotions with the bank or credit union. We are not United Bank (MI); 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.

United Bank (MI) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$5	-	Savings Club
0.35%^*	$100k^*	-	Premium High-Yield Savings
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $50k \| 0.30% → $50k - $100k
0.35%^*	$100k^*	-	Business Premium High-Yield Savings
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $50k \| 0.30% → $50k - $100k
0.20%^*	$50k^*	-	Personal High Yield Savings
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k
0.20%^*	$50k^*	-	Business High Yield Savings
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k
0.15%	-	-	Business Statement Savings
0.10%	-	-	Statement Savings

United Bank (MI) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%^*	$1.5k^*	$10k	UBenefit Interest Checking
OTHER TIERS: 0.01% → Any amount \| 0.50% → $100 - $500 \| 1.50% → $500 - $1k \| 3.00% → $1k - $1.5k
0.25%^*	$100k^*	-	Business Premium High-Yield Checking
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $50k \| 0.20% → $50k - $100k
0.25%^*	$100k^*	-	Premium High-Yield Checking
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $50k \| 0.20% → $50k - $100k
0.15%	-	-	Corporate Interest Checking

Locations

Availability

Grand Rapids Area

Grand Rapids Area bank & credit union details

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