United Community Bank

Headquarters

200 E Camperdown Way
Greenville, SC 29601
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ACH 53201982

Notable Rates	APY	Vs.Others
Savings	0.15%	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.00% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Bank Information

United Community Bank is an FDIC insured institution located in Greenville, SC. It was founded in 1950 and has approximately $28.04 billion in assets. Customers can open an account at one of its 161 branches.


FDIC Insured	Yes
FDIC Certificate	# 16889
Date Established	1950
Assets	$ 28.04 billion
Loans	$ 18.74 billion
Deposits	$ 24.39 billion
Capital	$ 3.36 billion

For a more detailed analysis of United Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 15, 2025

Your Current Location: Florida, FL 10007

Savings and Money Market Rates	APY	MIN	MAX
SAV	0.15%	$2,500	-	Learn More Reviews
Business Money Market	0.35%	$50,000	$99,999	Learn More Reviews
Business Money Market	0.70%	$100,000	$499,999	Learn More Reviews
Business Money Market	0.95%	$500,000	-	Learn More Reviews
Money Market	0.50%	$0	$99,999	Learn More Reviews
Money Market	1.00%	$100,000	$499,999	Learn More Reviews
Money Market	1.15%	$500,000	-	Learn More Reviews

CD Rates	APY	MIN	MAX
7 Month CD Special	4.00%	$2,500	$250,000	Learn More Reviews
9 Month CD Special	3.50%	$2,500	$250,000	Learn More Reviews
11 Month CD Special	3.25%	$2,500	$250,000	Learn More Reviews
19 Month CD Special	3.00%	$2,500	$250,000	Learn More Reviews
23 Month CD Special	3.50%	$2,500	$250,000	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
INTCK	0.05%	$2,500	$9,999	Learn MoreShow Less
INTCK	0.20%	$10,000	$99,999	Learn MoreShow Less
INTCK	0.70%	$100,000	$999,999	Learn MoreShow Less
INTCK	0.95%	$1,000,000	-	Learn MoreShow Less

Loan Rates - December 15, 2025

Your Current Location: Florida, FL 10007

There are currently no loan rates available for United Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Florida 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 1945532	5.711%	5.500% 1.00 points $7,589 fees	$1,817	Learn More
NMLS ID: 2562839	5.839%	5.750% 0.63 points $3,125 fees	$1,868	Learn More
NMLS ID: 2154342 License#: FL - MLD2280	5.847%	5.625% 0.88 points $7,835 fees	$1,843	Learn More

See More Mortgage Rates →

Featured - Florida Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Agave Home Loans See Table	0.000 %	$0	Learn More More Info
This closed-end, fully amortizing home equity loan offers repayment terms from 15 to 30 years. The Annual Percentage Rate (APR) typically ranges from approximately 7.75% to 13.00%, depending on factors such as credit qualifications, loan-to-value ratio, property type, and market conditions. Origination fees of about 2% to 4% of the loan amount (potentially higher) may apply, and additional closing costs and fees may be required; these will be disclosed in your loan estimate. Minimum loan size of $50,000. All loan applications are subject to credit approval and formal underwriting, and product availability may vary based on property location, state restrictions, and other eligibility criteria. Rates and terms are for illustrative purposes only and are subject to change without notice; this is not a commitment to lend or an offer of credit. Homeowners insurance is required, and flood insurance may be required if the property is located in a Special Flood Hazard Area. Your home secures this loan, and you could lose your property if you fail to make payments. The maximum APR will not exceed the maximum permitted by law in your jurisdiction, and minimum and maximum loan amounts may apply. All information is provided “as is” without warranty of any kind. The lender assumes no liability for errors or omissions and reserves the right to modify or discontinue products at any time without prior notice. REFI, HELOC, & Home Equity Loan Options A+ BBB Rating & 1500+ 5-Star Reviews Get a Quote WITHOUT a Hard Credit Pull Top 3 in Customer Satisfaction by Lending Tree Q4 2024
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Splash Financial See Table	Intro APR 7.250 % After Intro: 7.250 % Intro Period: 8 months	$25,000	Learn More More Info
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 11/4/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.75% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Borrow up to $500,000 Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today

See More Home Equity Rates →

Note to United Community Bank
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Branches

United Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Tampa,Florida

United Community Bank Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
American National Bank	181.01	A	View Lobby Hours
Waycross Branch	222.68	B	View Lobby Hours
St. Simons Office Branch	227.59	C	View Lobby Hours
Mall Branch	229.98	D	View Lobby Hours
North Brunswick Branch	230.13	E	View Lobby Hours
Savannah Southside Branch	287.29	F	View Lobby Hours
Victory Drive Branch	290.77	G	View Lobby Hours
Savannah Branch	293.05	H	View Lobby Hours
Bluffton Branch	307.82	I	View Lobby Hours
West Ashley Branch	358.43	J	View Lobby Hours
Tidelands Bank Branch	362.10	K	View Lobby Hours
Summerville Branch	366.66	L	View Lobby Hours
Park West Branch	368.33	M	View Lobby Hours
Locust Grove Branch	379.08	N	View Lobby Hours
Mcdonough Branch	386.14	O	View Lobby Hours
Peachtree City Branch	388.31	P	View Lobby Hours
Southern Community Bank Branch	390.14	Q	View Lobby Hours
Sullivan Road Branch	390.31	R	View Lobby Hours
Eagle National Stockbridge Branch	390.92	S	View Lobby Hours
Newnan Branch	391.08	T	View Lobby Hours
Covington Bypass Branch	391.85	U	View Lobby Hours
Tyrone Branch	393.34	V	View Lobby Hours
Liberty National Bank Conyers Branch	398.30	W	View Lobby Hours
Fairburn 1st Community Branch	399.25	X	View Lobby Hours
Monroe Branch	402.53	Y	View Lobby Hours
Ucb West Georgia Branch	407.86	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

United Community Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

United Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

United Community Bank	U.S. Bank Average
2.37%	5.56%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2025, United Community Bank had $80,454,000 in non-current loans and $4,228,000 in owned real estate. To cover these potential losses it had $3,358,442,000 in equity and $216,500,000 in loans loss reserves. That gives it a Texas Ratio of 2.37%.

Return on Equity

United Community Bank	U.S. Bank Average
9.33%	11.32%

United Community Bank has a Return on Equity of 9.33% versus the BestCashCow average of 11.32%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

United Community Bank	U.S. Bank Average
11.98%	11.41%

United Community Bank has a Capitalization of 11.98% versus the BestCashCow average of 11.41. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Community Bank Balance Sheet Analysis

As of June 30, 2025, United Community Bank had assets of $28,042,982,000, loans of $18,741,518,000, and deposits of $24,386,841,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 566.44 million
Interest-bearing balances	$ 190.03 million
Total securities	$ 6.37 billion
Federal funds sold and reverse repurchase	$ 13.96 million
Net loans and leases	$ 18.74 billion
Loan loss allowance	$ 216.50 million
Trading account assets	$ 22.67 million
Bank premises and fixed assets	N.A.
Other real estate owned	$ 4.23 million
Goodwill and other intangibles	$ 1,018.87 million
All other assets	$ 680.04 million
Total Assets	$ 24.68 billion

LIABILITIES
Total deposits	$ 24.39 billion
Interest-bearing deposits	$ 17.91 billion
Deposits held in domestic offices	$ 24.39 billion
% insured (estimated)	61.17%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	$ 51.10 million
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 260.72 million
Total Liabilities	$ 24.68 billion
Shareholders’ Equity	$ 3.36 billion

Summary Income Statement

June 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 682.15 million
Total Interest Expense	$ 241.57 million
Net interest income	$ 440.58 million
Provision for loan and lease losses	$ 27.24 million
Total non interest income	$ 70.61 million
Total non interest expense	$ 285.40 million
Pre-tax Net Operating Income	$ 161.58 million

Bank Loan Profile^?

The top three loan types in United Community Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in South Carolina, United Community Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	17.43		✓
Multifamily Mortgages	1.10		✓
Credit Card Loans	0.01		✓
Consumer Auto Loans	0.24		✓
Small Business Loans	6.59		✓
Construction and Development Loans	10.11		✓
Commercial Real Estate	28.24		✓
Commercial and Industrial Loans	18.06			✓
Farm Loans	0.07		✓

Customer Reviews for United Community Bank

raymond denmark

November 5, 2018 |

CDs 12 Month Rates

1years

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United Community Bank

2025 Overview

General Bank Information

Deposit Rates - December 15, 2025

Loan Rates - December 15, 2025

Featured - Florida 30 Year Fixed Mortgage Rates 2025

Featured - Florida Home Equity Line Of Credit Rates 2025

Branches

United Community Bank Locations around zip code 10007

Climate Policy and Initiatives

Add Your Review

Financial Details

United Community Bank Ratio Analysis

Texas Ratio

Return on Equity

Capitalization

United Community Bank Balance Sheet Analysis

Summary Balance Sheet

Summary Income Statement

Bank Loan Profile?

Customer Reviews for United Community Bank

raymond denmark

Add Your Review

Bank Loan Profile^?