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CD and IRA Accounts and Rates

Banking for Individuals

safe, sound and

Retirement Approved

Offering fixed rates over a fixed amount of time, you can estimate your earnings making it easier to plan and reach your savings goals. Choose from a variety of CD and IRA options to help you get there.


IRAs vs. CDs

Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) both allow you to earn interest on money now that you’ll use in the future.

The difference between a CD and IRA:

  • IRA is a type of account that offers tax-deferred growth until you make regular withdraws or reach retirement age, depending on the type of IRA.
  • CD is a savings tool used to accumulate interest for a fixed amount of time.


standard CDs and IRAs

Our standard CD and IRA options are available to open at any Univest financial center. Find the financial center closest to you.

Click below for details on our standard CD and IRA options.


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Certificates of Deposit
TERM INTEREST RATE APY1 OPEN TODAY
91 DAYS 0.05% 0.05% Open Now
26 WEEKS 0.10% 0.10% Open Now
9 MONTHS 0.20% 0.20% Open Now
12 MONTHS
 0.35% 0.35% Open Now
18 MONTHS 0.40% 0.40% Open Now
24 MONTHS 0.45% 0.45% Open Now
30 MONTHS 0.47% 0.47% Visit Us
36 MONTHS 0.50% 0.50% Visit Us
48 MONTHS 0.55% 0.55% Visit Us
60 MONTHS 0.65% 0.65% Open Now
72
MONTHS		 0.80% 0.80% Open Now
Minimum opening deposit $500.
  1. Annual Percentage Yield (APY). Interest rates are accurate as of
    08/31/2018
    and are subject to change at any time. Penalty may be applied for early withdrawal. Withdrawal of interest reduces earnings. (Customers can elect to have interest paid to them by check, added to their CD, or deposited into a Univest account. If they elect to receive the interest by check or deposit this would reduce earnings on the CD. Frequency of the interest payment depends on the CD balance amount.)

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Individual Retirement Accounts
TERM INTEREST RATE APY 1 OPEN TODAY
91 DAYS 0.05% 0.05% Visit Us
26 WEEKS 0.10% 0.10% Visit Us
9 MONTHS 0.20% 0.20% Visit Us
12 MONTHS 0.35% 0.35% Visit Us
18 MONTHS 0.40% 0.40% Visit Us
24 MONTHS 0.45% 0.45% Visit Us
30 MONTHS 0.47% 0.47% Visit Us
36 MONTHS 0.50% 0.50% Visit Us
48 MONTHS 0.55% 0.55% Visit Us
60 MONTHS 0.65% 0.65% Visit Us
72 MONTHS 0.80% 0.80% Visit Us
Minimum opening deposit $500.
  1. Annual Percentage Yield (APY). Interest rates are accurate as of
    08/31/2018
    and are subject to change at any time. Penalty may be applied for early withdrawal. Withdrawal of interest reduces earnings.





Looking for additional rates? Give us a call at 877.723.5571.


  1. Annual Percentage Yield (APY). Interest rates are accurate as of
    08/31/2018
    and are subject to change at any time. Penalty may be applied for early withdrawal. Withdrawal of interest reduces earnings. (Customers can elect to have interest paid to them by check, added to their CD or IRA, or deposited into a Univest account. If they elect to receive the interest by check or deposit this would reduce earnings on the CD or IRA. Frequency of the interest payment depends on the CD or IRA term.)

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