United Community Bank (IA)

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Overview / Commentary

unitedcommunitybank.com

712-338-2781

1000 Okoboji Avenue
Milford, IA 51351-0167

United Community Bank (IA) is headquartered in Milford and is the 107^th largest bank in the state of Iowa. It is also the 2,768^th largest bank in the nation. It was established in 1931 and as of December of 2021, it had grown to 37 employees at 5 locations. United Community Bank (IA) has an A health rating.

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2005

11/18 - $5000 Cash Bonus for a CD?

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Health

A

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	13656
Year Established	1931
Employees	37
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.19%
Return on Equity - YTD	12.46%
Annual Interest Income	$8.5MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$253.9MM$242.3MM
Loans	Q4 2021vs Q4 2020	$179.9MM$166.7MM
Deposits	Q4 2021vs Q4 2020	$223.4MM$214.6MM
Equity Capital	Q4 2021vs Q4 2020	$23.5MM$23.8MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$1.9MM$2.6MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$3.00K$1.3MM
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Money Market
Checking
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* 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$300k^*	-	IRA Savings Account
OTHER TIERS: 0.10% → Up to $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k \| 0.45% → $100k - $300k
0.10%	-	-	Passbook Savings
0.10%	-	-	Health Savings Account
0.10%^*	$100k^*	-	Business Cash Management
OTHER TIERS: 0.01% → Up to $50k \| 0.05% → $50k - $100k
0.01%	-	-	Business Passbook Savings

United Community Bank (IA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%^*	$100k^*	-	Signature Money Market
OTHER TIERS: 0.01% → Up to $25k \| 0.05% → $25k - $100k
0.10%^*	$100k^*	-	First Choice Money Market
OTHER TIERS: 0.01% → Up to $25k \| 0.05% → $25k - $100k

United Community Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$500k^*	-	Business Plus Checking
OTHER TIERS: 0.01% → $5k - $50k \| 0.05% → $50k - $100k \| 0.10% → $100k - $250k \| 0.15% → $250k - $500k
0.25%^*	$500k^*	-	UCB Community Checking
OTHER TIERS: 0.01% → $2.5k - $25k \| 0.05% → $50k - $100k \| 0.10% → $100k - $250k \| 0.15% → $250k - $500k
0.15%^*	$300k^*	-	First Choice Investment Checking
OTHER TIERS: 0.05% → $10k - $100k \| 0.10% → $100k - $300k
0.01%	-	-	Signature Plus Checking
0.01%	$1k	-	First Choice Checking
0.01%	$1k	-	First Choice Checking Plus
0.01%	$1k	-	Business NOW Account

United Community Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.26%	$1k	-	36 Month CD
1.05%	$1k	-	24 Month CD
0.95%	$1k	-	18 Month CD
0.85%	$1k	-	18 Month Bump & Add
0.65%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.50% → $1k - $50k
0.35%	$1k	-	6 Month CD

United Community Bank (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.26%	$1k	-	36 Month IRA
0.75%	$1k	-	12 Month IRA

Locations

United Community Bank (IA) Locations
United Community Bank	1000 Okoboji Avenue	Milford, IA 51351
Lake Park Branch	113 Market Street	Lake Park, IA 51347
Hartley Branch	117 South Central Avenue	Hartley, IA 51346
Ocheyedan Branch	850 Main Street	Ocheyedan, IA 51354
Okoboji Branch	Highway 71 North	Okoboji, IA 51355

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