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United Security Bank Review

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United Security Bank Savings
0.15% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


United Security Bank was founded in 1987 and has its headquarters in Fresno, California. It has $805 million in assets along with deposits totaling $689 million, ranking it as a medium-size bank. United Security Bank has above-average access to customer service with a live chat feature, great for getting help during the work week. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. SmartAsset has rated the bank 4.3 out of 5 stars, which means United Security Bank is a solid pick to be your bank. United Security Bank has a complete array of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. United Security Bank has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, United Security Bank offers an option without a maintenance or monthly fee. Using an institution with no-fee checking as well as a high savings APY is the best bet for returning the most income on your deposits while maintaining easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.15%, United Security Bank ranks poorly in comparison to other U.S. banks. Its one-year CD earns at a rate of 0.45% and the five-year CD earns at a rate of 1.31%, while its highest-yielding money market account earns at a rate of 0.10%. Given United Security Bank's poor savings rate, you should think about taking a look at other banks for savings accounts.

How United Security Bank's Savings Rates Compare

United Security Bank Savings 0.15 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, United Security Bank charges its customers extremely low fees in comparison to the average U.S. bank. With no monthly fee, United Security Bank is ideal for those who want a simple checking account. Additionally, at $30.00, United Security Bank has a markedly lower overdraft fee compared to the national average overdraft fee. United Security Bank doesn't reimburse out-of-network ATM fees, which means you'll be required to search for a United Security Bank ATM or eat the withdrawal fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $30.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

United Security Bank is a brick-and-mortar bank, with 13 total branches in California. With mobile and web apps, United Security Bank makes mobile banking convenient, even on the go. It does not provide access to all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Friday and 8:00 a.m. to 5:00 p.m. PT. Additionally, United Security Bank offers a live chat feature, something to consider if you work during the customer service hours. United Security Bank gets reasonably good scores from customers for its mobile banking services. The United Security Bank mobile app is rated at 4.4 out of 5 (with 34 reviews on Apple and Android) compared to the national average of 3.8. You can use United Security Bank's app to control your funds by looking at account balances, transferring funds as well as accessing support representatives. United Security Bank gets an outstanding consumer satisfaction rating due to comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.4/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
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Financial Health

SmartAsset Average: 4.8

United Security Bank ranks as a medium-size bank with assets totaling $805 million as well as $689 million in deposits. United Security Bank has a strong Texas Ratio of 9.68%, indicating a tiny possibility of failure. Additionally, United Security Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare United Security Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.15% APY $1
Checking Account 0.1% APY $1
Certificates of Deposit
  • 12 Month: 0.45% APY
  • 24 Month: 0.70% APY
  • 36 Month: 0.85% APY
  • 48 Month: 1.11% APY
  • 60 Month: 1.31% APY
$1000 for all terms
Money Market Account 0.1% APY $2500

United Security Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. United Security Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. United Security Bank's CD rates are fair compared to the average U.S. bank.

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Find a United Security Bank Near Me

United Security Bank has 13 physical locations across the U.S.

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