Bank · FDIC insured
Union Bank
A $1.6B bank headquartered in Morrisville, VT, with 18 branches in 2 states. Best rates: CDs 3.89% and savings 0.15% APY.
Union Bank Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#10 of 16 in Burlington, VT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Union Bank
- Headquarters
- 20 Main St, Morrisville, VT 05661
- FDIC certificate
- 14158 ↗
Branches
18 branches in 2 states
Loading map…
Vermont
13 branches
Burlington area · 5
- Fairfax Branch16 Browns River Rd, Fairfax, VT 05454Directions
- Jericho Branch368 Vermont Route 15, Jericho, VT 05465Directions
- Shelburne Branch Office5068 Shelburne Rd, Shelburne, VT 05482Directions
- Saint Albans Branch15 Mapleville Depot, St. Albans, VT 05478Directions
- Williston Branch31 Market St, Williston, VT 05495Directions
Morrisville area · 2
- Union BankMain office20 Main St, Morrisville, VT 05661Directions
- Northgate Plaza Branch65 Northgate Ave, Morrisville, VT 05661Directions
Barre area · 1
- Berlin Branch1028 Us Route 302, Berlin, VT 05641Directions
Hardwick area · 1
- Hardwick Branch103 Vermont 15 West, Hardwick, VT 05843Directions
Jeffersonville area · 1
- Jeffersonville Branch5062 Vt Route 15, Jeffersonville, VT 05464Directions
Lyndonville area · 1
- Lyndonville Branch183 Depot St, Lyndonville, VT 05851Directions
St. Johnsbury area · 1
- Portland Street Branch325 Portland St, St. Johnsbury, VT 05819Directions
Stowe area · 1
- Stowe Branch47 Park St, Stowe, VT 05672Directions
New Hampshire
5 branches
Lebanon area · 3
- Lincoln Nh Branch135 Main St, Lincoln, NH 03251Directions
- Littleton Branch76 Main St, Littleton, NH 03561Directions
- Littleton Nh Branch263 Dells Rd, Littleton, NH 03561Directions
Groveton area · 1
- Groveton Branch3 State St, Groveton, NH 03582Directions
North Conway area · 1
- North Conway Branch120 North South Road, North Conway, NH 03860Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.82% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.35% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.80% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $102 | $88 | — |
- CapitalLeverage ratio7.82%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.35%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.80%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$102Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Union Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.