Banks | United Community Bank

United Community Bank

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Deposit Rates - September 24, 2022

SAVINGS RATES APY MIN
Savings
0.02% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.25% $10,000 Compare
6 Mo CD
0.25% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.25% $10,000 Compare
18 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.30% $10,000 Compare
24 Mo CD
0.30% $100,000 Compare
30 Mo CD
0.30% $10,000 Compare
30 Mo CD
0.30% $100,000 Compare
36 Mo CD
0.30% $10,000 Compare
36 Mo CD
0.30% $100,000 Compare
48 Mo CD
0.30% $10,000 Compare
48 Mo CD
0.30% $100,000 Compare
60 Mo CD
0.30% $10,000 Compare
60 Mo CD
0.30% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500

Overview 2022

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16889
Date Established 1950
Assets $ 24.31 billion
Loans $ 14.26 billion
Deposits $ 21.35 billion
Capital $ 2.71 billion

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 1,901.42 million
Interest-bearing balances $ 1,591.29 million
Total securities $ 6.40 billion
Federal funds sold and reverse repurchase $ 1.88 million
Net loans and leases $ 14.26 billion
Loan loss allowance $ 132.81 million
Trading account assets $ 13.91 million
Bank premises and fixed assets N.A.
Other real estate owned $ 1.08 million
Goodwill and other intangibles $ 802.57 million
All other assets $ 615.55 million
     Total Assets $ 21.61 billion

LIABILITIES
Total deposits $ 21.35 billion
      Interest-bearing deposits $ 13.39 billion
      Deposits held in domestic offices $ 21.35 billion
      % insured (estimated) 56.50%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 40.54 million
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 216.45 millionn
      Total Liabilities $ 21.61 billion
      Shareholders’ Equity $ 2.71 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 170.40 million
Total Interest Expense $ 3.16 million
Net interest income $ 167.24 million
Provision for loan and lease losses $ 23.09 million
Total non interest income $ 40.82 million
Total non interest expense $ 115.61 million
Pre-tax Net Operating Income $ 69.36 million

United Community Bank is an FDIC insured institution headquartered at 306 E North St, Greenville, SC 29601.
It was founded in 1950 and has approximately $24 billion in assets. Customers can open an account at one of its 161 branches.

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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    United Community Bank
    Bank
    SOUTH CAROLINA
    $50,000
    6 Month
    0.25%
    0.91x (National Avg. - 0.28%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    ONLINE CD
    Hingham Savings , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    1.65%
    3.99x (National Avg. - 0.41%)
    $1,000
    -
    SCENARIO
    Year Rate
    1.65%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 825 578
    2 50,825 839 587
    3 51,664 852 597
    4 52,516 867 607
    5 53,383 881 617
    6 54,263 895 627
    7 55,159 910 637
    8 56,069 925 648
    9 56,994 940 658
    10 57,934 956 669
    11 58,890 972 680
    12 59,862 988 691
    13 60,850 1,004 703
    14 61,854 1,021 714
    15 62,874 1,037 726
    16 63,912 1,055 738
    17 64,966 1,072 750
    18 66,038 1,090 763
    19 67,128 1,108 775
    20 68,235 1,126 788
    TOTAL $19,361 $13,553
  • 3
    ONLINE CD
    Citizens , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    3.00%
    7.25x (National Avg. - 0.41%)
    $5,000
    -
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 4
    LOCAL CD
    M.Y. Safra Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    24 Month
    3.01%
    5.58x (National Avg. - 0.54%)
    $500
    -
    SCENARIO
    Year Rate
    3.01%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,505 1,054
    2 51,505 1,550 1,085
    3 53,055 1,597 1,118
    4 54,652 1,645 1,152
    5 56,297 1,695 1,186
    6 57,992 1,746 1,222
    7 59,737 1,798 1,259
    8 61,535 1,852 1,297
    9 63,388 1,908 1,336
    10 65,296 1,965 1,376
    11 67,261 2,025 1,417
    12 69,286 2,085 1,460
    13 71,371 2,148 1,504
    14 73,519 2,213 1,549
    15 75,732 2,280 1,596
    16 78,012 2,348 1,644
    17 80,360 2,419 1,693
    18 82,779 2,492 1,744
    19 85,271 2,567 1,797
    20 87,837 2,644 1,851
    TOTAL $40,481 $28,337
  • 5
    LOCAL CD
    M.Y. Safra Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    12 Month
    3.02%
    7.29x (National Avg. - 0.41%)
    $500
    -
    SCENARIO
    Year Rate
    3.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,510 1,057
    2 51,510 1,556 1,089
    3 53,066 1,603 1,122
    4 54,668 1,651 1,156
    5 56,319 1,701 1,191
    6 58,020 1,752 1,227
    7 59,772 1,805 1,264
    8 61,577 1,860 1,302
    9 63,437 1,916 1,341
    10 65,353 1,974 1,382
    11 67,326 2,033 1,423
    12 69,360 2,095 1,466
    13 71,454 2,158 1,511
    14 73,612 2,223 1,556
    15 75,835 2,290 1,603
    16 78,126 2,359 1,652
    17 80,485 2,431 1,701
    18 82,916 2,504 1,753
    19 85,420 2,580 1,806
    20 87,999 2,658 1,860
    TOTAL $40,657 $28,460
  • 6
    LOCAL CD
    M.Y. Safra Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    36 Month
    3.26%
    5.13x (National Avg. - 0.64%)
    $500
    -
    SCENARIO
    Year Rate
    3.26%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,630 1,141
    2 51,630 1,683 1,178
    3 53,313 1,738 1,217
    4 55,051 1,795 1,256
    5 56,846 1,853 1,297
    6 58,699 1,914 1,340
    7 60,613 1,976 1,383
    8 62,589 2,040 1,428
    9 64,629 2,107 1,475
    10 66,736 2,176 1,523
    11 68,911 2,247 1,573
    12 71,158 2,320 1,624
    13 73,478 2,395 1,677
    14 75,873 2,473 1,731
    15 78,347 2,554 1,788
    16 80,901 2,637 1,846
    17 83,538 2,723 1,906
    18 86,261 2,812 1,968
    19 89,073 2,904 2,033
    20 91,977 2,998 2,099
    TOTAL $44,976 $31,483


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