Bank · FDIC insured
Universal Bank CD Rates
Universal Bank’s best CD rate is 0.60% APY on a 2-year CD. Terms run from 1 month to 3 years. Rates checked October 16, 2026.
How Universal Bank’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Universal Bank has the most branches. $10,000, best rate first.
This bank’s best
Universal Bank
0.60%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $181
Certificate of Deposit (CD)
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Universal Bank CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.45%
- 31–60 months31–60 mo0.60%
- QualifiedQualified0.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Universal Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 0.60%APY · 9 terms
Open a CD with as little as $1,000.00. No monthly service charge. Interest is compounded daily and paid quarterly (monthly interest payment optional). Penalty for early withdrawal of CD principal applies unless allowed by account type.
| Term | APY · $1,000 – $49,999 | APY · $1,000 – $9,999 | APY · $1,000 and up | APY · $10,000 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 and up | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 month | 0.05% | — | — | — | — | 0.10% | — | — | 0.05%0.10% from $50k | $0 |
| 2 months | 0.10% | — | — | — | — | 0.20% | — | — | 0.10%0.20% from $50k | $2 |
| 3 months | — | 0.10% | — | 0.15% | 0.20% | — | 0.25% | 0.30% | 0.15%0.10% $1k–$10k0.20% $25k–$50k0.25% $50k–$100k0.30% from $100k | $4 |
| 6 months | — | 0.15% | — | 0.20% | 0.25% | — | 0.30% | 0.35% | 0.20%0.15% $1k–$10k0.25% $25k–$50k0.30% $50k–$100k0.35% from $100k | $10 |
| 9 months | — | 0.20% | — | 0.25% | 0.30% | — | 0.35% | 0.40% | 0.25%0.20% $1k–$10k0.30% $25k–$50k0.35% $50k–$100k0.40% from $100k | $19 |
| 12 months | — | 0.25% | — | 0.30% | 0.40% | 0.45% | — | — | 0.30%0.25% $1k–$10k0.40% $25k–$50k0.45% from $50k | $30 |
| 18 months | — | 0.35% | — | 0.40% | 0.45% | — | 0.50% | — | 0.40%0.35% $1k–$10k0.45% $25k–$50k0.50% $50k–$100k | $60 |
| 24 months | — | 0.40% | — | 0.45% | 0.50% | — | 0.55% | 0.60% | 0.45%0.40% $1k–$10k0.50% $25k–$50k0.55% $50k–$100k0.60% from $100k | $90 |
| 36 months | — | — | 0.60% | — | — | — | — | — | 0.60% | $181 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account Term CD
Up to 0.40%APY · 4 terms
Interest compounded daily. Choice of interest payout depending on term: monthly, quarterly, semiannually, annually, or at maturity. APY is based upon the maximum term of deposit for each maturity range. Early withdrawal penalty may apply. Annual trustee fee of $30.00 applies to IRA plans.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.15% | $7 |
| 18 months | 0.30% | $45 |
| 24 months | 0.35% | $70 |
| 36 months | 0.40% | $120 |
Sources (2)
- universalbank.com/Personal/consumer-rate-sheet
- universalbank.com/pdfs/Schedule_of_Fees_Charges_2026.pdf
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.