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United Community Bank (GA)

Popular Accounts at this Bank

0.20%5-year CD60 Month CD
0.10%1-year CD12 Month CD
0.02%SavingsUnited Savings

Overview / Commentary
177 Highway 515 East
Blairsville, GA 30512

United Community Bank (GA) is headquartered in Blairsville and is the 3rd largest bank in the state of Georgia. It is also the 117th largest bank in the nation. It was established in 1950 and as of June of 2017, it had grown to 1,922 employees at 128 locations. United Community Bank (GA) has an A+ health rating.

Customer Service

Posted by: Anonymous | Feb 2, 2012

United Community Bank is the best bank in the area!!! This bank has the best customer service I have ever encountered! I would recommend anyone to this bank, I tell everyone I come in contact with that UCBI can serve them the best!

United Community Bank

Posted by: roberthawk | Oct 6, 2011

This is a home town bank that knows its customers. Is it a huge bank? Nope? Does it have every modern convenience known to man? Nope Does it serve its customers? Yes it does.

This bank was able to see past the GLB act and the Community Reinvestment act. They stood their ground, when they could have participated with the others during the housing bubble and put their customers in harms way financially. I think that anyone considering a home town bank should give United Community a try. I think you will find them a good financial partner.

After Hours Assistance Needed? You're SOL!

Posted by: BHC | Apr 22, 2013

Employees are friendly, can't fault them, but this bank is stuck in the dark ages. Good luck finding a branch open after 4. Better luck getting any help whatsoever after 5.

While trying to make a purchase, I found that apparently a hold was put on my bank card because they got overzealous in their fraud protection. I don't know for sure, because when I tried to call a support number I spent 20 minutes on hold, listening to advertisements of their services, which were interrupted every 10 seconds (!) by a recording urging me to stay on line because someone would be with me shortly. What do I get after that 20 minute wait? A few rings, then a new message telling me they were closed until tomorrow.

Closed. Tomorrow. I like the sound of that! Closing my account tomorrow!

Terrible Customer Service

Opened up a joint business checking account with my wife. Over a week & multiple inquiries later they were unable to even set us up to access online banking. Not only was our concerns not a priority for them they are clearly behind technically as well



Health Grade Components

FDIC Certificate #16889
Year Established1950
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD9.28%
Annual Interest Income$183.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$10.82B$9.90B
LoansQ2 2017vs Q2 2016$7.01B$6.25B
DepositsQ2 2017vs Q2 2016$8.82B$7.92B
Equity CapitalQ2 2017vs Q2 2016$1.22B$1.15B
Loan Loss AllowanceQ2 2017vs Q2 2016$59.5MM$64.3MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$25.5MM$20.5MM
Real Estate OwnedQ2 2017vs Q2 2016$2.7MM$6.2MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Community Bank (GA) Savings Account Rates

0.02%--United Savings
0.02%--United Student Savings
0.02%--United Business Savings

United Community Bank (GA) Money Market Rates

0.24%*$100k*-Business Money Market Account
OTHER TIERS: 0.19% Up to $100k
0.15%*$100k*-Money Market
OTHER TIERS: 0.10% Up to $100k

United Community Bank (GA) Checking Account Rates

0.12%*$50k*-United Investment Checking
OTHER TIERS: 0.05% Up to $10k | 0.08% $10k - $50k
0.02%--Golden Premier Checking
0.02%--Premier Checking
0.02%--Business Plus Checking
0.02%--Iolta Checking

United Community Bank (GA) CD Rates

0.20%$500-48 Month CD
0.20%$500-36 Month CD
0.20%$500-60 Month CD
0.15%$500-18 Month CD
0.15%$500-24 Month CD
0.15%$500-30 Month CD
0.10%$500-3 Month CD
0.10%$500-6 Month CD
0.10%$500-12 Month CD

United Community Bank (GA) IRA Rates

0.20%$500-36 Month IRA
0.20%$500-48 Month IRA
0.20%$500-60 Month IRA
0.15%$500-18 Month IRA
0.15%$500-24 Month IRA
0.10%$500-3 Month IRA
0.10%$500-6 Month IRA
0.10%$500-12 Month IRA