Universal Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.45%	1-year CD	2.65% - Barclays 12 Month Online CD
0.04%	Savings	2.00% - Ally Bank Online Savings Account
0.60%	2-year CD	2.70% - Capital One 24 Month 360 CD

View all Universal Bank rates »

Overview / Commentary

www.universalbank.com

626-854-2818

3455 Nogales Street, Suite #105
West Covina, CA 91792

Universal Bank is headquartered in West Covina and is the 101^st largest bank in the state of California. It is also the 1,859^th largest bank in the nation. It was established in 1954 and as of September of 2018, it had grown to 66 employees at 5 locations. Universal Bank's money market rates are 3X the national average, and it has an A health rating.

Overall
FDIC Certificate #	30722
Year Established	1954
Employees	66
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.03%
Return on Equity - YTD	6.84%
Annual Interest Income	$11.2MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$370.9MM$387.0MM
Loans	Q3 2018vs Q3 2017	$290.2MM$283.4MM
Deposits	Q3 2018vs Q3 2017	$309.9MM$317.6MM
Equity Capital	Q3 2018vs Q3 2017	$56.8MM$55.1MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$4.0MM$4.9MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$56.00K$149.00K
Real Estate Owned	Q3 2018vs Q3 2017	$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
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

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
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

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 - Colorado Branch	2575 Colorado Boulevard	Los Angeles, CA 90041
Universal Bank	3455 Nogales Street, Suite 105	West Covina, CA 91792
Arcadia Branch	747 West Duarte Road	Arcadia, CA 91007
W Garvey Abenue Branch	757 W Garvey Avenue	Monterey Park, CA 91754
Rosemead Branch	3676 Rosemead Boulevard	Rosemead, CA 91770

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