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Our Certificates of Deposit

Certificates of Deposit (CDs) provide a stable, guaranteed investment return and the security of knowing that your deposit is FDIC insured.

CDs are a powerful investment tool for individuals and families saving for short term goals, such as a vacation; medium term goals, such as a new car; or long term goals, such as college or retirement. Urban Trust Bank offers several CD alternatives.*

Urban Trust Bank offers a complete suite of CDs. To open a Certificate of Deposit, please visit one of our convenient branch locations.

CONVENTIONAL CERTIFICATES OF DEPOSIT

Our best interest rates and financial security.

• Available terms: 3, 6, 9, 12, 18, 24, 36, 48 & 60 months

• $500 minimum deposit

• For deposits up to $250,000

• Electronic Statements are available with combined statements

• Please review our current interest rates

• Please review our Certificate of Deposit truth-in-savings disclosure**

IRA CERTIFICATES OF DEPOSIT

Plan for retirement with secure deposits and guaranteed returns.

• Available terms: 3, 6, 9, 12, 18, 24, 36, 48 & 60 months

• Contributions may be tax deductible (consult a tax advisor)

• $500 minimum deposit

• Electronic Statements are available with combined statements

• Substantial penalty for withdrawals prior to age 59.5

• Please review our current interest rates

• Please review our Certificate of Deposit truth-in-savings disclosure**

JUMBO CERTIFICATES OF DEPOSIT

Investment solution for larger balances.

• Available terms: 3, 6, 9, 12, 18, 24, 36, 48 & 60 months

• $250,000 minimum deposit

• Electronic Statements are available with combined statements

• Please review our current interest rates

• Please review our Certificate of Deposit truth-in-savings disclosure**

*For each of our Certificates of Deposit, there is a substantial penalty for early withdrawal.

** Adobe Acrobat Reader is required to view this information. This program is available at no cost.

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.

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* 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

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