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United Minnesota Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
Bonus Amount
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.umbnl.com
320-354-2277
105 Central Avenue
New London, MN 56273

United Minnesota Bank is headquartered in NEW LONDON and is the 217th largest bank in the state of Minnesota. It is also the 4,247th largest bank in the nation. It was established in 1890 and as of March of 2025, it had grown to 6 employees at 1 location. United Minnesota Bank's money market rates are 3X the national average, and it has a B health rating.

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Health
B

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. United Minnesota Bank has a low asset base.

Health Grade Components

Overall
FDIC Certificate #10567
Year Established1890
Employees6
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.6%
Return on Equity - YTD21.46%
Annual Interest Income$640K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$49.8MM$48MM
LoansQ1 2025vs Q1 2024$34.1MM$29.9MM
DepositsQ1 2025vs Q1 2024$45.9MM$44.3MM
Equity CapitalQ1 2025vs Q1 2024$3.7MM$3.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$331K$262K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$131K$109K
Real Estate OwnedQ1 2025vs Q1 2024$68K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Minnesota Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$10-Savings Account
0.20%$50-Health Savings Account
0.20%$0-Looney Tunes Savings Account

United Minnesota Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$200k*-Platinum Money Market
OTHER TIERS: 0.75% → $2.5k - $25k | 0.95% → $25k - $75k | 1.05% → $75k - $200k

United Minnesota Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Liquidity Checking
0.04%$300-MN Classic 50

United Minnesota Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%$500-60 Month CD
1.30%$500-48 Month CD
1.20%$500-36 Month CD
1.10%$500-24 Month CD
1.00%$500-18 Month CD
0.85%$500-12 Month CD
0.50%$1k-182 Day CD
0.25%$1k-91 Day CD
Locations


United Minnesota Bank Locations
United Minnesota Bank105 Central Ave ENew London, MN 56273

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