First United Bank savings, CD and money market rates
First United Bank advertises 0.75% APY on its Foundation Savings account. That is 0.38 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #861 of 2786 tracked savings rates by advertised APY. For a $10,000 balance it would rank #647.
First United Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.75% · Foundation Savings |
| Minimum to open | $100 · Foundation Savings |
| Against the national average | 0.38 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.55% · 12 months · 1-Year Jumbo CD |
| Minimum to open | $100,000 · 12 months CD |
| Against the national average | 1.82 percentage points above the 1.73% FDIC 12-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | 2.00% · Performance Money Market · needs at least $500,000 |
| Minimum to open | $50,000 · Performance Money Market |
| Against the national average | 1.37 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 12769 · Dimmitt, TX |
|---|---|
| Website | www.firstunited.bank |
| Branches | 25 branches in TX |
| Availability | Available in TX |
First United Bank savings, CD and money market rates
How the rate applies
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
First United Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 1 months | 2.15% | $1,000 | 30-Day CD |
| 1 months | 2.25% | $100,000 | 30-Day Jumbo CD |
| 3 months | 2.75% | $1,000 | 90-Day CD |
| 3 months | 2.85% | $100,000 | 90-Day Jumbo CD |
| 6 months | 3.15% | $1,000 | 180-Day CD |
| 6 months | 3.25% | $100,000 | 180-Day Jumbo CD |
| 12 months | 3.45% | $1,000 | 1-Year CD |
| 12 months | 3.55% | $100,000 | 1-Year Jumbo CD |
| 18 months | 3.35% | $1,000 | 18-Month CD |
| 18 months | 3.45% | $100,000 | 18-Month Jumbo CD |
| 24 months | 3.15% | $1,000 | 2-Year CD |
| 24 months | 3.25% | $100,000 | 2-Year Jumbo CD |
| 36 months | 3.05% | $1,000 | 3-Year CD |
| 36 months | 3.15% | $100,000 | 3-Year Jumbo CD |
| 48 months | 3.00% | $1,000 | 4-Year CD |
| 48 months | 3.10% | $100,000 | 4-Year Jumbo CD |
| 60 months | 2.90% | $1,000 | 5-Year CD |
| 60 months | 3.00% | $100,000 | 5-Year Jumbo CD |
Interactive Tool
Calculate Savings for First United Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$282.10(2.0%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,282.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What First United Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, First United Bank paid a higher average rate on savings and money market deposits than 44% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- First United Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Foundation Savings | 0.75% | $100 | $0 | None | $5 (charged quarterly and if balance requirement is not met), can be waived | not stated | One rate | |
| Fine print: Debit items are limited to six per quarter, and the bank charges $3 for each additional debit item. The maintenance fee is charged each quarter, not each month, and applies when the minimum daily balance is not met. | ||||||||
| Performance Money Market | 2.00% | $50,000 | $50,000 | None | not stated | not stated | Tiered | |
| Prosper Money Market | 1.10% | $5,000 | $5,000 | None | not stated | not stated | Tiered | |
| Prime Money Market | 0.80% | $1,500 | $0 | None | not stated | not stated | One rate | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 30-Day CD | 1 months | 2.15% | $1,000 | not stated | not stated |
| 30-Day Jumbo CD | 1 months | 2.25% | $100,000 | not stated | not stated |
| 90-Day CD | 3 months | 2.75% | $1,000 | not stated | not stated |
| 90-Day Jumbo CD | 3 months | 2.85% | $100,000 | not stated | not stated |
| 180-Day CD | 6 months | 3.15% | $1,000 | not stated | not stated |
| 180-Day Jumbo CD | 6 months | 3.25% | $100,000 | not stated | not stated |
| 1-Year CD | 12 months | 3.45% | $1,000 | not stated | not stated |
| 1-Year Jumbo CD | 12 months | 3.55% | $100,000 | not stated | not stated |
| 18-Month CD | 18 months | 3.35% | $1,000 | not stated | not stated |
| 18-Month Jumbo CD | 18 months | 3.45% | $100,000 | not stated | not stated |
| 2-Year CD | 24 months | 3.15% | $1,000 | not stated | not stated |
| 2-Year Jumbo CD | 24 months | 3.25% | $100,000 | not stated | not stated |
| 3-Year CD | 36 months | 3.05% | $1,000 | not stated | not stated |
| 3-Year Jumbo CD | 36 months | 3.15% | $100,000 | not stated | not stated |
| 4-Year CD | 48 months | 3.00% | $1,000 | not stated | not stated |
| 4-Year Jumbo CD | 48 months | 3.10% | $100,000 | not stated | not stated |
| 5-Year CD | 60 months | 2.90% | $1,000 | not stated | not stated |
| 5-Year Jumbo CD | 60 months | 3.00% | $100,000 | not stated | not stated |
Opening and using the account
| Availability | Available in TX |
|---|---|
| Footprint | 25 branches in TX |
| Eligibility | not stated |
How First United Bank behaves over time
- 12-month high
- 0.75%
- 12-month low
- 0.65%
- Advertised now
- 0.75%
- At the 12-month high
- Observed cuts, 12 months
- 0
- In a window with 2 Federal Reserve cuts
The advertised Foundation Savings rate, observed through Oct 7, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 23, 2026Foundation SavingsRaise:0.65%to0.75%
- Obs. Sep 23, 2026Prime Money MarketRaise:0.70%to0.80%
- Obs. Sep 23, 2026Prosper Money MarketRaise:0.90%to1.00%
- Obs. Sep 23, 2026Performance Money MarketRaise:1.15%to1.20%
- Obs. Sep 23, 202630-Day CDRaise:2.00%to2.15%
- Foundation Savings
- Up 0.10 percentage points from 30 days ago.
- 12 months CD
- Up 0.30 percentage points from 30 days ago.
- Performance Money Market
- Up 0.30 percentage points from 30 days ago.
$10,000 at the 0.75% APY First United Bank advertises on Foundation Savings grows to $10,075 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,744 does today. See how the federal funds rate shapes savings rates.
- Foundation Savings APY
- Banksparency savings index
First United Bank CD rates over time
Who is First United Bank?
| Headquarters | Dimmitt, TX |
|---|---|
| Founded | 1907 |
| Scale | $2.4B assets · $2.1B deposits, $1.5B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 12769 |
| Charter state | Texas · one of 349 insured banks chartered there (Q2 2026, FDIC) |
| Size | 485th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 28% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What First United Bank pays on deposits above.
Common questions about First United Bank
Is First United Bank FDIC insured?
Yes. First United Bank is FDIC insured under certificate 12769, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at First United Bank?
First United Bank requires a minimum deposit of $100 to open its Foundation Savings account, as observed on Oct 7, 2026. Check the bank's current terms before you open an account.
Does First United Bank have branches?
Yes. First United Bank operates 25 branches according to FDIC branch records, in addition to its website and mobile apps.
First United Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| First United Bank | 0.75% | 1.30% | $100 | 25 branches in TX |
| Bank Northwest | 0.75% | 1.23% | $100 | 6 branches in MO |
| Bank Plus | 0.75% | 1.55% | $0 | 4 branches in IA |
| Commercial Bank | 0.75% | 0.73% | $25 | 8 branches in KS |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to First United Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Texas, nearest to First United Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Texas.