Universal Commercial Money Market
Minimum Balance Interest
Rate
Annual
Percentage
Yield
$0.00 $49,999.99 1.49% 1.50%
$50,000.00 $99,999.99 1.88% 1.90%
$100,000.00 $249,999.99 1.98% 2.00%
$250,000.00 $499,999.99 2.08% 2.10%
$500,000.00 AND OVER 2.18% 2.20%
  • The minimum balance of $5,000.00 Is required to avoid a monthly service fee of $20.00
  • This is a variable rate account, rates may change at any time.
  • Fees may reduce earnings
  • Rates are effective as of 12.19.08


Universal Money Market
Minimum Balance Interest
Rate
Annual
Percentage
Yield
$0.00 $999.99 1.73% 1.75%
$1,000.00 $24,999.99 1.88% 1.90%
$25,000.00 $99,999.99 2.08% 2.10%
$100,000.00 $249,999.99 2.18% 2.20%
$250,000.00 $499,999.99 2.28% 2.30%
$500,000.00 AND OVER 2.33% 2.35%
  • The minimum balance of $1,000.00 is required to avoid a $10.00 monthly service fee.
  • This is a variable rate account, rates may change at any time.
  • Fees may reduce earnings
  • Rates are effective as of 12.19.08


Charter Club Checking1
Universal Non-Corporate Commercial Checking2
Universal Non-Profit Checking3
Minimum Balance Interest
Rate
Annual
Percentage
Yield
$0.00 $4,999.99 0.50% 0.50%
$5,000.00 $9,999.99 0.75% 0.75%
$10,000.00 $24,999.99 0.80% 0.80%
$25,000.00 $49,999.99 0.90% 0.90%
$50,000.00 $99,999.99 1.09% 1.10%
$100,000.00 AND OVER 1.29% 1.30%
  1. No minimum balance required for this account. No service charges.
  2. Minimum balance of $1000 is required to avoid a $10 monthly service charge.
  3. Minimum balance of $1000 is required to avoid a $10 monthly service charge.
  • These are variable rate accounts. Rates may change at any time. Fees may reduce earnings.
  • Rates are effective as of 12.19.08


Universal Attorney Trust & Housing Trust
Interest Rate 1.00%
Annual Percentage Yield 1.00%
  • No minimum balance. No service charges.
  • This is a variable rate account. Rates may change at anytime
  • Rates are effective as of 12.19.08


Statement Savings
Interest Rate 1.00%
Annual Percentage Yield 1.00%
  • Minimum balance of $50.00 required to avoid a $.50 monthly service charge
  • These are variable rate accounts. Rates may change at any time. Fees may reduce earnings
  • Rates effective as of 12.19.08

Certificates of Deposit
Term Annual Percentage Yield Interest Rate Minimum Deposit Penalty for Early Withdrawal
3 Month 2.100% 2.085% $500 1 Month’s Interest
6 Month 2.400% 2.380% $500 1 Month’s Interest
12 Month 2.500% 2.475% $500 1 Month’s Interest
18 Month 3.250% 3.210% $500 3 Month’s Interest
24 Month 3.000% 2.965% $1,000 3 Month’s Interest
36 Month 3.250% 3.210% $1,000 3 Month’s Interest
48 Month 3.250% 3.210% $1,000 3 Month’s Interest
60 Month 3.500% 3.454% $1,000 3 Month’s Interest
  • Substantial penalty for early withdrawal may apply.
  • Rates are effective as of 12.19.08