Certificate of Deposits

UB&T Certificates allow you to save your money at a guaranteed interest rate at a term that fits your needs. We offer a variety of terms. You are subject to a penalty if you withdraw from CD early.

  • $1,000 minimum to open
  • Terms 3 months to 4 years
  • Interest compounds monthly

Individual Retirement Account (IRA)

Save for your retirement by opening an Individual Retirement Account (IRA) at UB&T. Choose from either a Traditional IRA or Roth IRA Certificate of Deposit*.

Traditional IRA

Earnings can grow tax deferred until you withdraw after retirement. Pay less in your taxes now when opening a Traditional IRA.

  • Contributions may be tax deductible
  • Contribute up to $5,500/yr
  • Catch up contributions over 50

Roth IRA

Earn tax-free growth of your retirement money and receive tax-free qualified withdrawals with a Roth IRA.

  • Contributions are not tax deductible
  • Contribute $5,500/yr
  • Catch up contributions over 50

*UB&T advises those interested in opening an IRA to also consult your tax advisor to determine which IRA type best suits your financial situation.

To learn more about UB&T Certificate of Deposits/IRA CDs, interest rates and current specials, contact one of our Personal Bankers.