Overview / Commentary
626-854-2818
3455 Nogales St., Suite 105
West Covina, CA 91792

Universal Bank is headquartered in West Covina and is the 100th largest bank in the state of California. It is also the 1,825th largest bank in the nation. It was established in 1954 and as of December of 2018, it had grown to 67 employees at 5 locations. Universal Bank's money market rates are 3X the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #30722
Year Established1954
Employees67
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD5.61%
Annual Interest Income$15.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$382.0MM$374.8MM
LoansQ4 2018vs Q4 2017$301.2MM$296.1MM
DepositsQ4 2018vs Q4 2017$318.9MM$316.6MM
Equity CapitalQ4 2018vs Q4 2017$57.2MM$54.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$4.0MM$5.5MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$52.00K$75.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Universal Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Universal Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1-Young Savers
0.04%$100-ATM Savings

Universal Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$250k*-VIP Advantage Money Market Savings Promo
OTHER TIERS: 0.70% $100k - $150k | 0.80% $150k - $200k | 0.90% $200k - $250k
0.15%*$50k*-Money Market Savings
OTHER TIERS: 0.05% $1k - $2.5k | 0.10% $2.5k - $50k
0.15%*$50k*-Money Market Checking
OTHER TIERS: 0.05% $1k - $2.5k | 0.10% $2.5k - $50k

Universal Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Business Interest Checking
OTHER TIERS: 0.10% $100 - $1k | 0.15% $1k - $10k | 0.25% $10k - $100k
0.04%$2.5k-VIP Checking

Universal Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%$50k-24 Month VIP Advantage CD Promo
1.32%$50k-18 Month VIP Advantage CD Promo
1.00%$1k-1 Year VIP Advantage CD Builder Promo
0.60%*$100k*-2 Year CD
OTHER TIERS: 0.40% $1k - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $100k
0.60%$1k-3 Year CD
0.45%*$100k*-60 Day CD
OTHER TIERS: 0.25% $1k - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k
0.45%*$50k*-1 Year CD
OTHER TIERS: 0.25% $1k - $10k | 0.30% $10k - $25k | 0.40% $25k - $50k
0.40%*$100k*-30 Day CD
OTHER TIERS: 0.20% $1k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k
0.35%*$100k*-180 Day CD
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
0.30%*$100k*-90 Day CD
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k

Universal Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$25k*-18 Month IRA
OTHER TIERS: 0.60% $100 - $10k | 0.70% $10k - $25k
Locations


Universal Bank Locations
Eagle Rock - Colorado Branch2575 Colorado BoulevardLos Angeles, CA 90041
Universal Bank3455 Nogales Street, Suite 105West Covina, CA 91792
Arcadia Branch747 West Duarte RoadArcadia, CA 91007
W Garvey Abenue Branch757 W Garvey AvenueMonterey Park, CA 91754
Rosemead Branch3676 Rosemead BoulevardRosemead, CA 91770

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