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Universal Bank


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 105th largest bank in the state of California. It is also the 2,143rd largest bank in the nation. It was established in 1954 and as of December of 2021, it had grown to 57 employees at 5 locations. Universal Bank has a B+ health rating.

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Health
B+

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #30722
Year Established1954
Employees57
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD2.15%
Annual Interest Income$13.9MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$377.4MM$423.8MM
LoansQ4 2021vs Q4 2020$277.7MM$302.2MM
DepositsQ4 2021vs Q4 2020$272.2MM$312.2MM
Equity CapitalQ4 2021vs Q4 2020$62.4MM$61.1MM
Loan Loss AllowanceQ4 2021vs Q4 2020$4.5MM$4.3MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$3.0MM$1.4MM
Real Estate OwnedQ4 2021vs Q4 2020$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
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

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-Basic 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
0.35%*$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 Nogales Street, Suite 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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