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CDs, IRAs & HSAs

Start Saving For More

Not all savings accounts are the same, and sometimes you need an account that offers more than what you can receive from a traditional savings account. At UBTC, we offer several specialty accounts that allow you to save more effectively.

Certificates of Deposit

If you want to earn a higher interest rate and grow your money faster than you would with a typical savings account, a certificate of deposit (CD) from UBTC is a great option. We offer a wide range of CD terms allowing you to choose what works best for you to truly maximize the way you save.

Plan Your Financial Future

Choose from the list of financial calculators offered by UBTC to help develop a plan for the future of your finances so you can create a strategy that will lead to future success.

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Individual Retirement Accounts

No matter your age, saving for retirement is crucial. United Bank & Trust Company offers several retirement accounts that allow you to start saving now so you can live the way you want when your working days are over.

Compare Our Retirement Accounts

Account TypeWhat You Should Know About This Account*

Traditional IRA

  • Great way to supplement a personal retirement plan
  • Persons under the age of 70 – for the entire year with earned income, are eligible to contribute
  • Earnings grow tax-deferred
  • Annual contributions may be tax-deductible


Roth IRA

  • Powerful combination of retirement savings tax benefits
  • Persons of any age are eligible if they meet certain income criteria
  • Contributions are not tax-deductible
  • Earnings grow tax-free
  • No tax or penalties on qualified withdrawals


SEP Account

  • Low cost alternative for retirement savings
  • Self-employed or small business owners are eligible to establish a SEP for themselves and their employees
  • Contributions and earnings grow tax-deferred until withdrawn


Simple IRA Plan

  • Ideal for small employers who do not currently sponsor a retirement plan
  • Easy to set up and low administrative costs
  • Employees and employers are eligible to make contributions for employees


Coverdell Education Savings Account

  • Tax-free way to save for a child’s educational expenses
  • Funds can be used for expenses related to elementary, secondary and college education.

*Consult Your Tax or Legal Professional for Guidance

Health Savings Accounts

A tax-deductible method to accumulate funds for medical expenses. Requires a high-deductible health insurance plan. Checking and savings account options available. Benefits include:

  • You own and control the money in your account
  • You or your employer can make contributions to your account
  • The account stays in your name, even if you change jobs

Start Saving for Your Future

If you would like to know more about the CDs, IRAs and HSAs offered at UBTC, please stop into one of our offices to speak with a member of our team.

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