IRAs and CDs

Individual Retirement Account (IRA)

Save for your retirement by opening an Individual Retirement Account (IRA) at UB&T.

Contact one of our Personal Bankers to learn more about our interest rates, current specials, and to open your IRA CD.

Traditional IRA

Pay less in your taxes now when opening a Traditional IRA. If you have earned income, you and your spouse can contribute up to $5,500 each for your retirement. Individuals over 50 years of age can also take advantage of catch-up contributions.

Roth IRA

Earn tax-free growth of your retirement money and receive tax-free qualified withdrawals with a Roth IRA. If you have earned income, you and your spouse can contribute up to $5,500 each for your retirement. Individuals over 50 years of age can also take advantage of catch-up contributions.

Direct Rollovers/Transfers

Take advantage of UB&T IRA CDs by rolling over any employer pension or profit sharing plans or transferring your IRA at another financial institution to UB&T. We can do all the paperwork for you.

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.

Certificate of Deposits

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

Personal 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 withdraw from CD early.

1 Year Add-on Certificates

Add money to your certificate anytime during the term. A great account for children and teens saving for college. Terms are one year in length. The account enjoys a variable interest rate. Rates are based on the 3-Month Treasury Bill and subject to change. A penalty may occur if withdraw from CD early.

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