United Community Bank (IA)

Overview / Commentary
1000 Okoboji Avenue
Milford, IA 51351-0167

United Community Bank (IA) is headquartered in MILFORD and is the 106th largest bank in the state of Iowa. It is also the 2,622nd largest bank in the nation. It was established in 1931 and as of March of 2024, it had grown to 34 employees at 5 locations. United Community Bank (IA)'s CD rates are 3X the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #13656
Year Established1931
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD6%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$271.2MM$259.4MM
LoansQ1 2024vs Q1 2023$205.6MM$193MM
DepositsQ1 2024vs Q1 2023$224.8MM$220MM
Equity CapitalQ1 2024vs Q1 2023$21.9MM$20.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.6MM$2.2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.3MM$59K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not United Community Bank (IA); 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 (IA) Savings Account Rates

0.80%*$300k*-IRA Savings Account
OTHER TIERS: 0.25% $0 - $25k | 0.40% $25k - $50k | 0.50% $50k - $100k | 0.70% $100k - $300k
0.35%$0-Passbook Savings
0.35%$0-Health Savings Account
0.35%*$100k*-Business Cash Management
OTHER TIERS: 0.05% $0 - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k
0.05%$0-Business Passbook Savings

United Community Bank (IA) Money Market Rates

0.35%*$100k*-Signature Money Market
OTHER TIERS: 0.01% $0 - $5k | 0.05% $5k - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k
0.35%*$100k*-First Choice Money Market
OTHER TIERS: 0.01% $0 - $5k | 0.05% $5k - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k

United Community Bank (IA) Checking Account Rates

0.60%*$500k*-Business Plus Checking
OTHER TIERS: 0.05% $5k - $50k | 0.15% $50k - $100k | 0.35% $100k - $250k | 0.50% $250k - $500k
0.60%*$500k*-UCB Community Checking
OTHER TIERS: 0.05% $2.5k - $25k | 0.15% $50k - $100k | 0.35% $100k - $250k | 0.50% $250k - $500k
0.50%*$300k*-First Choice Investment Checking
OTHER TIERS: 0.10% $10k - $50k | 0.15% $50k - $100k | 0.35% $100k - $300k
0.05%*$5k*-First Choice Checking
OTHER TIERS: 0.01% $1k - $5k
0.05%*$5k*-First Choice Checking Plus
OTHER TIERS: 0.01% $1k - $5k
0.05%*$2.5k*-Business NOW Account
OTHER TIERS: 0.01% $1k - $2.5k
0.01%$0-Signature Plus Checking

United Community Bank (IA) CD Rates

5.07%$100-5 Month CD Special
4.32%$10k-13 Month CD Special
3.03%$1k-36 Month CD
2.78%$1k-24 Month CD
2.52%$1k-18 Month CD
2.47%$1k-18 Month Bump & Add
2.27%*$50k*-12 Month CD
OTHER TIERS: 2.02% $1k - $50k
1.76%$1k-6 Month CD

United Community Bank (IA) IRA Rates

3.03%$1k-36 Month IRA
2.37%$1k-12 Month IRA

United Community Bank (IA) Locations
United Community Bank1000 Okoboji AveMilford, IA 51351
Lake Park Branch113 Market StreetLake Park, IA 51347
Hartley Branch117 South Central AvenueHartley, IA 51346
Ocheyedan Branch850 Main StreetOcheyedan, IA 51354
Okoboji BranchHighway 71 NorthOkoboji, IA 51355

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