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.
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*.
Earnings can grow tax deferred until you withdraw after retirement. Pay less in your taxes now when opening a Traditional IRA.
Earn tax-free growth of your retirement money and receive tax-free qualified withdrawals with a Roth IRA.
*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.