Universal Bank

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.30%

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

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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 93^rd largest bank in the state of California. It is also the 2,209^th largest bank in the nation. It was established in 1954 and as of March of 2025, it had grown to 55 employees at 5 locations. Universal Bank has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	30722
Year Established	1954
Employees	55
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.02%
Return on Equity - YTD	0.1%
Annual Interest Income	$4.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$366.3MM$374.7MM
Loans	Q1 2025vs Q1 2024	$266MM$278.3MM
Deposits	Q1 2025vs Q1 2024	$251.7MM$259.4MM
Equity Capital	Q1 2025vs Q1 2024	$65.6MM$64.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.4MM$3.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2MM$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.30%

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

4.44%

Our Rating

4.3 / 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

up to $300

Our Rating

4.2 / 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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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%	$0	-	Community Savings

Universal Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.04%	$2.5k	-	Basic Interest 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%^*	$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

APY	MIN	MAX	ACCOUNT NAME
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 Branch	2575 Colorado Boulevard	Los Angeles, CA 90041
West Covina Branch	3455 S Nogales St Ste 105	West Covina, CA 91792
Arcadia Branch	57 Wheeler Ave, Unit G	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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