CDs & IRAs
Certificates of Deposit
United Valley Bank offers a variety of terms with a minimum deposit to open of $500.
Certificates of Deposit (CDs) provide higher interest than regular savings accounts in return for your agreement to commit savings for specified periods of time. A penalty for early withdrawals may be imposed.
The Grow With Me CD
This is a savings certificate of deposit which an adult establishes for a minor. The account produces a higher interest return than regular savings and allows continuous deposits for maximum growth.
- Minimum opening deposit of $100
- Various terms and higher interest than regular savings accounts
- May be added to at any time with no minimum deposit
- Custodial account
- Penalty for early withdrawals may be imposed
Certificate of Deposit Rates*
| Minimum Balance To Open $500 | Interest Rate | Annual Percentage Yield |
| 91 Day | 3.95 | 4.00 |
| 182 Day | 3.96 | 4.00 |
| 1 Year | 3.25 | 3.25 |
| 2 Year | 3.00 | 3.00 |
| 3 Year | 3.00 | 3.00 |
| 5 Year | 3.00 | 3.00 |
* A penalty may be imposed for early withdrawal.
Rates are posted as of January 8, 2025. For current interest rate information, exact interest rate amounts, additional terms and conditions, contact United Valley Bank: 888.265.8331.
Retirement Accounts
Retirement plans are means of helping you plan, prepare and accumulate money for your retirement. We would be happy to discuss the benefits of a plan that would work for you.
- Traditional (IRAs)
- Roth IRAs
Health Savings Accounts (HSAs)
A health savings account is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses for you, your spouse and your dependents.
- Tax-free benefits
- Flexibility in spending
- Year-to-year savings
- Contribution options
- Interest rates may vary
- Minimum opening deposit of $100
- $2 maintenance fee per month
- Free HSA checks
- Free Debit Card