Bank · FDIC insured
Universal Bank Savings Rates
Universal Bank’s best savings rate is 0.10% APY on $10,000, with its Money Market Checking. Rates checked September 16, 2026.
How Universal Bank’s savings 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
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Money Market Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Universal Bank savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0002.55%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Universal Tiered Savings
0.08%APY
Minimum opening deposit of $25,000 in new money from another financial institution for new customers, or $15,000 in new money for existing customers. Monthly service fee of $10.00 is waived each statement cycle if daily balance is $5,000.00 or more, or if a daily minimum balance of $10,000.00 is maintained in any combination of this account and linked qualifying accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. | 0.04% | — | Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. |
| $10,000 – $24,999Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. | 0.08% | $8 | Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. |
| $25,000 – $49,999Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. | 2.35% | — | Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. |
| $50,000 – $99,999Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. | 2.45% | — | Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. |
| $100,000 – $249,999Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. | 2.55% | — | Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. |
| $250,000 and upMinimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. | 2.75% | — | Minimum opening deposit: $25,000 new money for new customers, $15,000 new money for existing customers. Monthly fee waived if daily balance is $5,000.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. |
Sources (2)
All captured Sep 16, 2026
Money Market Checking
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $2,500 | 0.05% | — |
| $2,500 – $50,000 | 0.10% | $10 |
| $50,000 and up | 0.15% | — |
Sources (1)
- universalbank.com/Resources/Rate-Sheet · captured Sep 16, 2026
Money Market Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $2,500 | 0.05% | — |
| $2,500 – $50,000 | 0.10% | $10 |
| $50,000 and up | 0.15% | — |
Sources (1)
- universalbank.com/Resources/Rate-Sheet · captured Sep 16, 2026
Foothill Unity Center Money Market Checking
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,500 – $50,000 | 0.05% | $5 |
| $50,000 and up | 0.10% | — |
Sources (1)
- universalbank.com/Resources/Rate-Sheet · captured Sep 16, 2026
Community Savings
0.04%APY
Monthly fee of $5.00 is waived each statement cycle if daily balance is $500.00 or more, or if a daily minimum balance of $10,000.00 is maintained in any combination of this account and linked qualifying accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Monthly fee waived if daily balance is $500.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts.Over $0 | 0.04% | $4 | Monthly fee waived if daily balance is $500.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. |
| Over $0Rates effective as of June 20, 2024. Monthly fee waived if daily balance is $500.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts.Over $0 | 0.04% | $4 | Rates effective as of June 20, 2024. Monthly fee waived if daily balance is $500.00 or more, or daily minimum combined balance of $10,000.00 in linked qualifying accounts. |
Sources (3)
- universalbank.com/Resources/Rate-Sheet
- universalbank.com/Personal/Consumer-Rate-Sheet
- universalbank.com/Personal/Personal-Saving
All captured Sep 16, 2026
Special-purpose accounts
High School Savings
0.50%APY
Minor must be between 13-17 years old and listed as primary account owner. A parent or legal guardian over 18 is required to be a joint owner until minor turns 18, at which time account converts to Community Savings. No monthly service fee. ATM cards only.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Available to minors aged 13-17 with adult joint owner. No monthly service fee.Over $0 | 0.50% | $50 | Available to minors aged 13-17 with adult joint owner. No monthly service fee. |
| Over $0Rates effective as of June 20, 2024. Available to minors aged 13-17 with adult joint owner. No monthly service fee.Over $0 | 0.50% | $50 | Rates effective as of June 20, 2024. Available to minors aged 13-17 with adult joint owner. No monthly service fee. |
Sources (3)
- universalbank.com/Resources/Rate-Sheet
- universalbank.com/Personal/Consumer-Rate-Sheet
- universalbank.com/Personal/Kids-And-Student-Accounts
All captured Sep 16, 2026
Individual Retirement Savings
0.10%APY
IRA Plan Annual Trustee Fee is $30.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,499Annual trustee fee of $30.00 applies to IRA plans. | 0.05% | — | Annual trustee fee of $30.00 applies to IRA plans. |
| $2,500 – $49,999Annual trustee fee of $30.00 applies to IRA plans. | 0.10% | $10 | Annual trustee fee of $30.00 applies to IRA plans. |
| $50,000 and upAnnual trustee fee of $30.00 applies to IRA plans. | 0.15% | — | Annual trustee fee of $30.00 applies to IRA plans. |
Sources (2)
- universalbank.com/Personal/Consumer-Rate-Sheet
- universalbank.com/Portals/Univ…of_Fees_Charges_2026.pdf
All captured Sep 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.