Bank · FDIC insured
Union State Bank Savings Rates
Union State Bank’s best savings rate is 0.90% APY on $10,000, with its High Performance Money Market Account. Rates checked October 22, 2026.
How Union State Bank’s savings rates compare
Compared with banks and credit unions near Birmingham, AL, where Union State Bank has the most branches. $10,000, best rate first.
This bank’s best
Union State Bank
0.90%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $90
High Performance Money Market Account
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Union State Bank savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.90%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Union State Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Performance Money Market Account
0.90%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.90% | $90 |
Sources (1)
- unionstate.net/interest-rates · captured Sep 19, 2026
Money Market
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.40% | $40 |
Sources (1)
- unionstate.net/interest-rates · captured Sep 19, 2026
Regular Savings Account
0.20%APY
A service charge applies if the average daily balance falls below $25 during the statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceService charge imposed if average daily balance for the cycle falls below $25.Any balance | 0.20% | $20 | Service charge imposed if average daily balance for the cycle falls below $25. |
Special-purpose accounts
Christmas Club Account
0.10%APY
No withdrawals permitted before maturity. Checks mailed and funds distributed after November 15th. Interest compounded and paid at maturity. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo withdrawals permitted before maturity. Checks mailed after November 15th. Interest compounded and paid at maturity. Fees may reduce earnings.Any balance | 0.10% | $10 | No withdrawals permitted before maturity. Checks mailed after November 15th. Interest compounded and paid at maturity. Fees may reduce earnings. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.