Consumer

Business

Safe & Secure

Considering our predecessor organizations, we have been serving our community for over 50 years and are pleased to have safeguarded every penny of our customer’s deposits during that time. Each of our employees and our management team is aware that we are responsible to our customers and work each day to ensure we continue to safeguard every penny for the next 50 years.

The following factors provide our customers with confidence in our ability to safeguard their deposits:

Deposits at Urban Trust Bank are insured to the maximum legal limit by the Federal Deposit Insurance Corporation (FDIC). (For more information about FDIC insurance, please visit the FDIC website).
We are a portfolio company of a successful, multi-billion dollar organization led by experienced, successful businessman Robert L. Johnson.
Urban Trust Bank is considered “Well Capitalized” by our regulator, The Office of Thrift Supervision (OTS).

Complete financial information about Urban Trust Bank is published online. If we can provide additional clarification regarding the safety and security of our organization, contact us.

Buy a house with a 3.5% down payment*

We offer mortgages with 3.5% down payment, flexible credit options and excellent interest rates. Contact our team today.

More Information

Find a surcharge FREE ATM

Access your cash at 37,000 surcharge free ATM's across the country. Learn More and Locate an ATM.

More Information

* We offer home mortgages with a down payment as low as 3.5% through a Federal Housing Administration (FHA) loan program. An example of such a loan is as follows: To purchase a $200,000 home, we would finance 96.5% or $191,437.43. Your down payment would be $7,000. To repay the principle and interest due on this loan, you would need to make 359 payments of $1,084.40 and 1 payment of $1,085.29. Payments do not include taxes and insurance and the actual payment will be higher. The interest rate associated with this example loan is 5.25% and is fixed for the entire term of the loan. The actual rate you will receive depends on a number of factors, including your credit and the interest rate environment at the time you lock your rate. The corresponding Annual Percentage Rate (APR) in this example is 5.829% and includes costs associated with closing. The total amount of interest paid over the life of the loan is $209,124.79. These terms are available for a purchase or refinance on your primary residence. APR and terms subject to change without notice. All loans are subject to credit approvals. Other restrictions may apply. Please contact a Mortgage Banker for additional details.

(1) We offer free ATM transactions on our consumer accounts excluding Opportunity Checking and The Urban Trust Success Card

FDIC

EHL