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 96^th largest bank in the state of California. It is also the 2,148^th largest bank in the nation. It was established in 1954 and as of March of 2024, it had grown to 53 employees at 5 locations. Universal Bank has an A health rating.

View all posts from:

2016

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

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Health

Data as of Q1 2024

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Health Grade Components

Overall
FDIC Certificate #	30722
Year Established	1954
Employees	53
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.21%
Return on Equity - YTD	1.18%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q1 2024vs Q1 2023	$374.7MM$361.2MM
Loans	Q1 2024vs Q1 2023	$278.3MM$267.5MM
Deposits	Q1 2024vs Q1 2023	$259.4MM$226.6MM
Equity Capital	Q1 2024vs Q1 2023	$64.7MM$63.4MM
Loan Loss Allowance	Q1 2024vs Q1 2023	$3.4MM$4.6MM
Unbacked Noncurrent Loans	Q1 2024vs Q1 2023	$0$2K
Real Estate Owned	Q1 2024vs Q1 2023	$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%	$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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