Overview / Commentary
177 Highway 515 East
Blairsville, GA 30512

United Community Bank (GA) is headquartered in Blairsville and is the 3rd largest bank in the state of Georgia. It is also the 120th largest bank in the nation. It was established in 1950 and as of December of 2018, it had grown to 2,306 employees at 144 locations. United Community Bank (GA) has an A+ health rating.

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Customer Service

Posted by: Anonymous | Feb 2, 2012

United Community Bank is the best bank in the area!!! This bank has the best customer service I have ever encountered! I would recommend anyone to this bank, I tell everyone I come in contact with that UCBI can serve them the best!

United Community Bank

Posted by: roberthawk | Oct 6, 2011

This is a home town bank that knows its customers.  Is it a huge bank?  Nope?  Does it have every modern convenience known to man?  Nope  Does it serve its customers?  Yes it does.  

This bank was able to see past the GLB act and the Community Reinvestment act.  They stood their ground, when they could have participated with the others during the housing bubble and put their customers in harms way financially.   I think that anyone considering a home town bank should give United Community a try.  I think you will find them a good financial partner.  

After Hours Assistance Needed? You're SOL!

Posted by: BHC | Apr 22, 2013

Employees are friendly, can't fault them, but this bank is stuck in the dark ages.  Good luck finding a branch open after 4.  Better luck getting any help whatsoever after 5.

While trying to make a purchase, I found that apparently a hold was put on my bank card because they got overzealous in their fraud protection.  I don't know for sure, because when I tried to call a support number I spent 20 minutes on hold, listening to advertisements of their services, which were interrupted every 10 seconds (!) by a recording urging me to stay on line because someone would be with me shortly.  What do I get after that 20 minute wait?  A few rings, then a new message telling me they were closed until tomorrow.

Closed.  Tomorrow.  I like the sound of that!  Closing my account tomorrow!

Worst Bank Ever - Terrible Customer Service

Posted by: DonRo | Jan 9, 2019

Absolutely HORRIBLE! Worst bank ever! Been with them since the switch from Four Oaks and ever since the switch the customer service has been the absolute worst. The local branch folks are great but UCB's service is a joke. Their tagline, The Bank that Service Built" is nothing more than a tagline as they don't give a damn about their customers.

Things as easy as making a mobile deposit are incredible difficult and require multiple phone calls. They put a cap of $2000 on mobile deposits and it takes an act of congress to get the limit raised.

The ability to create bank-to-bank transfers took two weeks before they could figure out why something so simple wasn't working.

They will put you through the ringer any time you need help by differing issues to someone else.

DO NOT USE THIS BANK! They could care less about you, your time, or your business. Stay away!



Health Grade Components

FDIC Certificate #16889
Year Established1950
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.46%
Return on Equity - YTD11.91%
Annual Interest Income$496.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$12.55B$11.90B
LoansQ4 2018vs Q4 2017$8.34B$7.71B
DepositsQ4 2018vs Q4 2017$10.68B$9.85B
Equity CapitalQ4 2018vs Q4 2017$1.52B$1.39B
Loan Loss AllowanceQ4 2018vs Q4 2017$61.2MM$58.9MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$23.2MM$22.2MM
Real Estate OwnedQ4 2018vs Q4 2017$1.3MM$3.2MM
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Always verify rates and promotions with the bank or credit union. We are not United Community Bank (GA); 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 Community Bank (GA) Savings Account Rates

0.02%--United Savings
0.02%--United Student Savings
0.02%--United Business Savings

United Community Bank (GA) Money Market Rates

0.40%*$500k*-Money Market
OTHER TIERS: 0.10% Up to $100k | 0.30% $100k - $250k | 0.35% $250k - $500k
0.40%*$500k*-Business Money Market Account
OTHER TIERS: 0.19% Up to $100k | 0.30% $100k - $250k | 0.35% $250k - $500k

United Community Bank (GA) Checking Account Rates

0.70%*$250k*-United Signature Checking
OTHER TIERS: 0.05% Up to $10k | 0.08% $10k - $50k | 0.20% $50k - $100k | 0.50% $100k - $250k
0.02%--Business Interest Checking

United Community Bank (GA) CD Rates

2.35%$500-13 Month CD
2.05%$500-7 Month CD

United Community Bank (GA) IRA Rates

2.35%$500-13 Month IRA
2.05%$500-7 Month IRA


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