United Bank credit card terms
Bank · 3 products surveyed · CFPB TCCP survey, Jul-Dec 2025
United Bank reported a surveyed purchase APR of 5.99% – 21.49% (median 15.49%) to the CFPB Terms of Credit Card Plans survey, across 3 products. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
United Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 5.99% – 21.49% |
| Median purchase APR | 15.49% |
| Rate type | variable |
| Intro / promo APR offered | Yes (from 5.99%) |
| Balance-transfer APR (max) | 21.49% |
| Cash-advance APR (max) | 19.49% |
| Annual fee | — |
| Late fee (median) | $25 |
| Secured card offered | Yes |
| Products surveyed | 3 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means United Bank did not report that field in the survey.
United Bank purchase APR by credit tier
Median purchase APR United Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 19.49% |
| Good credit (620-719) | 15.49% |
| Great credit (720+) | 11.49% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How United Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. United Bank's median of 15.49% sits around or below the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| United Bank (this issuer) | 5.99% – 21.49% | 15.49% | — |
| Solvay Bank | 15.88% | 15.88% | — |
| Jonah Bank Of Wyoming | 16.25% | 16.25% | $50 |
| Sabine State Bank And Trust Company | 16.8% | 16.8% | $12 |
| State Bank And Trust Company, The | 6.99% – 21.99% | 13.99% | — |
| Hills Bank And Trust Company | 11.75% – 15.75% | 13.75% | — |
| Midfirst Bank | 13.74% – 21.74% | 17.74% | — |
Solvay Bank · Jonah Bank Of Wyoming · Sabine State Bank And Trust Company · State Bank And Trust Company, The · Hills Bank And Trust Company · Midfirst Bank
Frequently asked questions
What is United Bank's credit card APR?
United Bank reported a purchase APR of 5.99% – 21.49% to the CFPB Terms of Credit Card Plans survey (median 15.49%), across 3 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does United Bank charge an annual fee?
United Bank did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is United Bank a good choice for a low APR?
United Bank's surveyed range is 5.99% – 21.49%. Compare it against a credit union, which often offers lower rates (federal credit unions are capped at 18%).
Keep exploring
Sources & accuracy
Terms reported by United Bank (United Bank) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29