Certificate of Deposits

Time certificate of deposits offer various terms at competitive fixed rates. This account may be for you if you have excess monies that do not need to be drawn in the near future.

Requirements or Features
Minimum opening balance $1000/$100,000.¹ Various terms offered - 30 days to 5 years. Transfer of interest or automatic reinvestment options. Automatic Renewal. Interest compounded daily and paid monthly, quarterly, semi-annually, annually or at maturity.
Service Fee
No Service Fees. Restrictions: Penalties for early withdrawal.¹

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Rate Increase

Looking for a way to generate more income from your CD's? United Security Bank has just the product for you! Our new Rate Increase CD allows you to take control of your finances. With our new Rate Increase CD you have the ability to request a rate increase one time during the CD's term to United Security Bank's currently offered 2 year CD rate. Come by one of our conveniently located branches today to set up your Rate Increase CD.

Requirements
$1,000/$100,000 Minimum Opening Balance.¹ Two year term. Automatic renewal. Interest Compounded Daily, Paid Monthly.
Service Fees
No service fees. Restrictions: Penalties for early withdrawal.¹

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Floating CD

Floating Rate Certificate of Deposit

This two year certificate allows the interest rate to rise with the Wall Street Journal Prime Rate however, the rate will never fall below the initial interest rate and annual percentage yield.

Requirements or Features
$10,000 Minimum Opening Balance. Two year term. Automatic renewal. Interest compounded daily and paid monthly, quarterly, semi-annually, annually, or at maturity.
Service Fees
No service fees. Restrictions: Penalties for early withdrawal.¹ Balance may not fall below $10,000 during two year term.

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CDARS

Certificate of Deposit Registry Service (CDARS)

With CDARS, you can enjoy full FDIC coverage, say "goodbye" to running around town to multiple banks. No more opening up multiple title accounts in different rights and capacities of family members to maximize FDIC insurance at one bank. One statement to consolidate accounts. Invest up to 50 million, with full FDIC coverage.

Requirements & Features
$10,000 Minimum Opening Balance Various terms offered - 4 weeks to 52 weeks, 2 years or 3 years. Automatic renewal option available. Interest compounded daily and paid month, quarterly, semi-annually, annually or at maturity.
Service Fees
No service fees. Restrictions: penalty for early withdrawal.¹

If a CD is withdrawn before the maturity date, a penalty as shown below will be imposed by United Security Bank and will be charged to the account. An early withdrawal may invade principal. No penalty will be charged for early withdrawal of a CD product upon the death of an individual who is the sole account holder of CD. This penalty waiver applies to an individual who is named account holder, as well as an individual who is the sole current mandatory or discretionary beneficiary of a trust, including the sole current beneficiary of an unitrust. Early withdrawal of a CD may be made only in whole, not in part.

4 week CD	- 28 days of simple interest
13 week CD	- 90 days of simple interest
26 week CD	- 90 days of simple interest
52 week CD	- 180 days of simple interest
2 year CD	- 360 days of simple interest
3 year CD	- 540 days of simple interest
5 year CD	- 900 days of simple interest

IRA

Individual Retirement Account (IRA)

An Individual Retirement Account will allow you to enjoy tax-deferred growth on your retirement savings. Time certificate deposit investment instrument for traditional IRAs, Roth IRAs and Education IRAs.

Requirements & Features
Minimum opening balance $1000 Various terms offered - 30 days to 5 years *Interest compounded daily and paid monthly, quarterly, semi-annually, annually or at maturity.
Service Fee
Annual maintenance fee $10. Restriction: Penalties may apply for premature distributions. ¹

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