Universal Bank

Overview / Commentary

www.universalbank.com

626-854-2818

3455 S Nogales Street
West Covina, CA 91792

Universal Bank is headquartered in West Covina and is the 99^th largest bank in the state of California. It is also the 1,712^th largest bank in the nation. It was established in 1954 and as of December of 2019, it had grown to 71 employees at 5 locations. Universal Bank's money market rates are 93% higher than the national average, and it boasts an A+ health rating.

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10/27 - Universal Bank 11-Month CD Special - Los Angeles Area

11/25 - 2.50% 24-Month & 2.10% 12-Month Jumbo CDs at Universal Bank in CA - Local Only

7/26 - 4.10% 12-Month CD at a California Bank (Universal).

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Health

A+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	30722
Year Established	1954
Employees	71
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.61%
Return on Equity - YTD	4.24%
Annual Interest Income	$15.7MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$417.2MM$382.0MM
Loans	Q4 2019vs Q4 2018	$319.8MM$301.2MM
Deposits	Q4 2019vs Q4 2018	$351.3MM$318.9MM
Equity Capital	Q4 2019vs Q4 2018	$60.1MM$57.2MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$4.2MM$4.0MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$362.00K$52.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$1	-	Young Savers
0.04%	$100	-	ATM Savings

Universal Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%^*	$50k^*	$500k	Universal Money Market Checking - New Money
OTHER TIERS: 0.10% → Up to $50k
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$25k^*	-	18 Month IRA
OTHER TIERS: 0.60% → $100 - $10k \| 0.70% → $10k - $25k

Locations

Universal Bank Locations
Eagle Rock Branch	2575 Colorado Boulevard	Los Angeles, CA 90041
West Covina Branch	3455 Nogales Street, Suite 105	West Covina, CA 91792
Arcadia Branch	747 West Duarte Road	Arcadia, CA 91007
Monterey Park Branch	404 S. Atlantic Blvd, Suite C	Monterey Park, CA 91754
Rosemead Branch	3676 Rosemead Boulevard	Rosemead, CA 91770

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