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

Universal Bank is headquartered in West Covina and is the 111th largest bank in the state of California. It is also the 1,926th largest bank in the nation. It was established in 1954 and as of June of 2016, it had grown to 74 employees at 5 locations. Universal Bank has an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #30722
Year Established1954
Employees74
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD4.35%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$348.2MM$326.8MM
LoansQ2 2016vs Q2 2015$268.0MM$268.7MM
DepositsQ2 2016vs Q2 2015$278.5MM$260.5MM
Equity CapitalQ2 2016vs Q2 2015$46.2MM$42.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$8.2MM$8.9MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$763.00K$2.0MM
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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* 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%--Young Savers
0.04%$100-ATM Savings

Universal Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Money Market Savings
OTHER TIERS: 0.05% $1k - $2,500 | 0.10% $2,500 - $50k
0.15%*$50k*-Money Market Checking
OTHER TIERS: 0.05% $1k - $2,500 | 0.10% $2,500 - $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%$2,500-VIP Checking

Universal Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Branch8855 East Valley BoulevardRosemead, CA 91770