Bank · FDIC insured
United Business Bank Savings Rates
United Business Bank’s best savings rate is 0.25% APY on $10,000, with its U Matter Money Market Account. Rates checked October 16, 2026.
How United Business Bank’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where United Business Bank has the most branches. $10,000, best rate first.
This bank’s best
United Business Bank
0.25%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $25
U Matter Money Market Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
United Business Bank savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.25%
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 United Business 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.
U Matter Money Market Account
0.25%APY
Available on new money only. Account APY is based on a tiered rate system. Minimum deposit of $5,000 - maximum deposit of $10,000,000 requirement for U Matter Account Specials.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,001New money only. | 0.25% | $25 | New money only. |
| $10,001 – $50,001New money only. | 0.25% | — | New money only. |
| $50,001 – $100,000New money only. | 0.75% | — | New money only. |
| $100,000 – $250,000New money only. | 1.26% | — | New money only. |
| $250,000 and upNew money only. | 1.77% | — | New money only. |
Sources (1)
- unitedbusinessbank.com/_/kcms-…unt-Specials-9.30.25.pdf · captured Sep 16, 2026
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.