Individual Retirement Account (IRA)

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Older man and woman taking a stroll in a park on a sunny day. IRA Accounts Universal Bank.

Personal Banking

Plan for your future, open a Universal Bank IRA today!

Which IRA is right for you?

We offer traditional retirement accounts which earn tax-deferred interest (please consult your tax advisor). These accounts are subject to IRS rules governing IRAs. We offer both Traditional IRAs and ROTH IRAs.

IRA accounts are separately insured up to the maximum allowed by the FDIC.

* Tiered Interest Rates. Refer to this RATE SHEET for current rates.