United Southern Bank (FL)

TODAY'S FEATURED RATES

Member FDIC

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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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.unitedsouthernbank.com

352-669-2121

750 North Central Avenue
Umatilla, FL 32784

United Southern Bank (FL) is headquartered in UMATILLA and is the 38^th largest bank in the state of Florida. It is also the 1,185^th largest bank in the nation. It was established in 1937 and as of December of 2024, it had grown to 152 employees at 14 locations. United Southern Bank (FL)'s money market rates are 70% higher than the national average, and it has a B health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	15465
Year Established	1937
Employees	152
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	20.12%
Annual Interest Income	$35.5MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$852.6MM$907.3MM
Loans	Q4 2024vs Q4 2023	$392.4MM$362.7MM
Deposits	Q4 2024vs Q4 2023	$779.5MM$788.1MM
Equity Capital	Q4 2024vs Q4 2023	$39.5MM$35.6MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$9.2MM$9.4MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.6MM$1.5MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Southern Bank (FL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	Regular Savings
0.05%	$0	-	Holiday Club

United Southern Bank (FL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$250k^*	-	Money Market
OTHER TIERS: 0.05% → $5k - $25k \| 0.25% → $25k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $250k

United Southern Bank (FL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$0	-	Choice Checking

United Southern Bank (FL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$1k	-	60 Month CD
0.25%	$1k	-	36 Month CD
0.25%	$1k	-	48 Month CD
0.20%	$1k	-	24 Month CD
0.20%	$1k	-	30 Month CD
0.15%	$1k	-	12 Month CD
0.15%	$1k	-	18 Month CD
0.10%	$1k	-	182 Day CD
0.05%	$1k	-	91 Day CD

United Southern Bank (FL) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	$1k	-	60 Month IRA
0.30%	$1k	-	36 Month IRA
0.30%	$1k	-	48 Month IRA
0.25%	$1k	-	24 Month IRA
0.25%	$1k	-	30 Month IRA
0.20%	$1k	-	12 Month IRA
0.20%	$1k	-	18 Month IRA
0.15%	$1k	-	182 Day IRA
0.15%	$1k	-	18 Month Variable IRA
0.10%	$1k	-	91 Day IRA

Locations

Availability

Orlando Area

Orlando Area bank & credit union details

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