Effective Monday June 15th, all Union State Bank locations will have lobby access with social distancing measures.
Winterset and West Des Moines Lobby Hours 9 am - 4 pm, Monday through Friday.
Click on our location tabs for Drive-up and Saturday hours.
We continue to encourage the use of our drive up and mobile banking.

Thank you for your patience as we continue to do our best to help prevent the spread of COVID-19.



USB offers many options to help you buy your next home or refinance your existing home. Maybe you have just enough money for a small down payment, want to save some money with a better rate, or you just want to explore the possibilities! USB is committed to helping your dream come true with quality service and competitive interest rate

APR: 3.127%
RATE: 3.00%

20 YEAR RATE APR accurate as of

June 26, 2020


APR: 3.215%
RATE: 3.125%

30 YEAR RATE APR accurate as of 

June 26, 2020



*20 & 30 Year Conventional Rates - The Annual Percentage Rate (APR) is based on a loan amount of $150,000 with a 20% down payment, a 1% origination fee and common and customary closing costs. Monthly payments for a 20 year loan at 3.00% would be 240 payments of $831.90 (principal and interest).  Monthly payments for a 30 year loan at 3.125% would be 360 payments of $642.56 (principal and interest). Rates are not guaranteed until lock-in. Monthly payment does not include taxes and insurance: actual payment will be greater.

Per SAFE Act (Secure & Fair Enforcement for Mortgage Licensing Act), Union State Bank's MLO (Mortgage Loan Originator) Indentifier Numbers are as follows:



Jeff Gray, Senior VP & Loan Officer
                 NMLS #413222

Duane Gordon, VP & Loan Officer
                          NMLS #471740     

 Union State Bank  NMLS #435185

Chris Coy, VP & Commercial Loan Officer 
                  NMLS #1472318

Tyler Kagemann, AVP & Mortgage Loan Officer
                 NMLS #921056