UnivestDirect

14 North Main Street P.O. Box 64197
Souderton, PA 18964
1.877.723.5571
www.univest.net

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UnivestDirect is headquartered in Souderton and is the 15^st largest bank in the state of Pennsylvania. It is also the 322^nd largest bank in the nation. It was established in 1876 and as of September of 2011, it had grown to 482 employees at 40 locations. UnivestDirect has a 4-star health rating.

Univest Bonus and Online Checking Account Review - 2/28/2011

Univest Bank is offering a $100 bonus for opening one of its personal checking accounts with direct deposit. They offer two online checking accounts that qualify: Anytime Online Checking and Honestly ...

Review of Person-to-Person Payment Services from ING Direct, FNBO Direct & UnivestDirect - 3/18/2010

More banks are starting to offer person-to-person (P2P) payment services which allow you to send money to anyone with a US-based bank account using just an email address. These services are similar t ...

UnivestDirect Increases Yield on Business Savings Account to 5.05% - 7/31/2007

UnivestDirect just increased the rate on its Primary Online Business Savings Account from 4.10% to 5.05% APY. This business savings account only requires $1 minimum to open, but a $2,000 balance is required to earn the 5.05% interest. There are no...

UnivestDirect Online Savings Account Yield Increased to 5.05% - 5/10/2007

Update 4/19/08: The rates have fallen. Please check the bank's website for the latest rates.UnivestDirect raised the rate on its no-minimum Anytime Online Savings Account this week from 4.75% to 5.05% APY. Last month I first reported on UnivestDirect's...

2007

4/15 - 4.00% No-Minimum Online Checking Account at UnivestDirect

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See Rates for: Checking | Savings | Money Market | CD | IRA

UnivestDirect Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Anytime Online Checking

UnivestDirect Savings Account Rates

Apy	Min	Max	Product
0.30%	$2k	-	Primary Online Business Savings
0.25%	-	-	Anytime Online Savings

UnivestDirect Money Market Rates

Apy	Min	Max	Product
0.25%	$1m	-	Business Premium Money Market
0.25%	$20k	-	Business Regular Money Market
0.25%	$1m	-	Relationship Money Market For Business
0.20%	$25k	-	21st Century Money Market
0.15%	-	-	Public Funds Money Market

UnivestDirect CD Rates

Apy	Min	Max	Product
2.00%	$500	-	72 Month CD
1.75%	$500	-	60 Month CD
1.25%	$500	-	48 Month CD
1.00%	$500	-	3D-CD Year 3
1.00%	$500	-	36 Month CD
0.75%	$500	-	30 Month CD
0.60%	$500	-	3D-CD Year 2
0.60%	$500	-	24 Month CD
0.45%	$500	-	18 Month CD
0.35%	$500	-	3D-CD Year 1
0.35%	$500	-	12 Month CD
0.25%	$500	-	9 Month CD
0.20%	$500	-	18 Month Flex CD
0.15%	$500	-	26 Week CD
0.05%	$500	-	91 Day CD
0.05%	$2,500	-	7 - 31 Day CD

UnivestDirect IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	72 Month IRA
2.00%	$500	-	72 Month Roth IRA
1.75%	$500	-	60 Month IRA
1.75%	$500	-	60 Month Roth IRA
1.25%	$500	-	48 Month IRA
1.25%	$500	-	48 Month Roth IRA
1.00%	$500	-	36 Month IRA
1.00%	$500	-	3D-IRA Year 3
1.00%	$500	-	36 Month Roth IRA
1.00%	$500	-	3D-Roth IRA Year 3
0.75%	$500	-	30 Month IRA
0.75%	$500	-	30 Month Roth IRA
0.60%	$500	-	24 Month IRA
0.60%	$500	-	3D-IRA Year 2
0.60%	$500	-	24 Month Roth IRA
0.60%	$500	-	3D-Roth IRA Year 2
0.45%	-	-	18 Month Fixed IRA
0.45%	$500	-	18 Month IRA
0.45%	-	-	18 Month Fixed Roth IRA
0.45%	$500	-	18 Month Roth IRA
0.35%	$500	-	12 Month IRA
0.35%	$500	-	3D-IRA Year 1
0.35%	$500	-	12 Month Roth IRA
0.35%	$500	-	3D-Roth IRA Year 1
0.25%	-	-	18 Month Float IRA
0.25%	$500	-	9 Month IRA
0.25%	$500	-	9 Month Roth IRA
0.25%	-	-	18 Month Float Roth IRA
0.15%	$500	-	26 Week IRA
0.15%	$500	-	26 Week Roth IRA
0.05%	$2,500	-	7 - 31 Day IRA
0.05%	$500	-	91 Day IRA
0.05%	$2,500	-	7 - 31 Day Roth IRA
0.05%	$500	-	91 Day Roth IRA

Rates updated: 2/10/2012

Data for Q3 2011

Institution Statistics

Univest Bank and Trust Co.
FDIC Certificate #	7759
BankRate Report	View
Year Established	1876
Employees	482
Primary Regulator	FED
Assets and Liabilities
Assets	$2.15 billion
Loans	$1.41 billion
Deposits	$1.73 billion
Equity Capital	$274.21 million
Loan Loss Allowance	$31.00 million
Unbacked Noncurrent Loans	$37.85 million
Real Estate Owned	$7.71 million
Historic Data - September 2010
Assets	$2.09 billion
Equity Capital	$269.36 million
Loan Loss Allowance	$28.88 million
Unbacked Noncurrent Loans	$32.34 million
Real Estate Owned	$1.56 million
Profit Margin - Quarterly
Net Interest Margin	4.05%
Return on Assets	0.93%
Return on Equity	7.29%
Interest Income	$64.60 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 UnivestDirect had $45.56 million in non-current loans and owned real-estate with $305.22 million in equity and loan loss allowances on hand to cover it. This gives UnivestDirect a Texas Ratio of 14.93% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for UnivestDirect held steady from 11.64% as of September 30, 2010 to 14.93% as of September 30, 2011, resulting in a negative change of 28.20%. This indicates that the balance sheet and financial strength for UnivestDirect has held steady in recent periods.
Deposit Growth
In the past year, UnivestDirect has increased its total deposits by $44.45 million, resulting in 2.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth UnivestDirect has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. UnivestDirect has $2.15 billion in assets with $305.22 million in equity, resulting in a capitalization level of 14.21%, which is excellent.