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Universal Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.universalbank.com
626-854-2818
3455 Nogales St. 2nd Floor
West Covina, CA 91792

Universal Bank is headquartered in WEST COVINA and is the 95th largest bank in the state of California. It is also the 2,244th largest bank in the nation. It was established in 1954 and as of December of 2024, it had grown to 57 employees at 5 locations. Universal Bank has an A health rating.

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #30722
Year Established1954
Employees57
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD2%
Annual Interest Income$18.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$356.3MM$370.7MM
LoansQ4 2024vs Q4 2023$269.8MM$277MM
DepositsQ4 2024vs Q4 2023$241.9MM$254.8MM
Equity CapitalQ4 2024vs Q4 2023$65.3MM$64.8MM
Loan Loss AllowanceQ4 2024vs Q4 2023$3.4MM$3.3MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$0$0
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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%$0-Community Savings

Universal Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Money Market Savings
OTHER TIERS: 0.05% → $1k - $2.5k | 0.10% → $2.5k - $10k
0.15%*$50k*-Money Market Checking
OTHER TIERS: 0.05% → $1k - $2.5k | 0.10% → $2.5k - $10k
0.10%*$50k*-Foothill Unity Center Money Market Checking
OTHER TIERS: 0.05% → $1.5k - $50k

Universal Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.04%$2.5k-Basic Interest 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%*$50k*-1 Year CD
OTHER TIERS: 0.25% → $1k - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k
0.40%*$100k*-270 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
0.20%*$50k*-60 Day CD
OTHER TIERS: 0.10% → $1k - $50k
0.10%*$50k*-30 Day CD
OTHER TIERS: 0.05% → $1k - $50k

Universal Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-3 Year IRA
0.35%$1k-2 Year IRA
0.30%$100-18 Month IRA
0.25%$1k-1 Year IRA
0.15%$1k-180 Days IRA
Locations


Universal Bank Locations
Eagle Rock Branch2575 Colorado BoulevardLos Angeles, CA 90041
West Covina Branch3455 S Nogales St Ste 105West Covina, CA 91792
Arcadia Branch57 Wheeler Ave, Unit GArcadia, CA 91007
Monterey Park Branch404 S. Atlantic Blvd, Suite CMonterey Park, CA 91754
Rosemead Branch3676 Rosemead BoulevardRosemead, CA 91770

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