IRAs and CDs

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.