Unity Bank Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Unity Bank's 6-Month CD rates are at 3.75%, 11-Month CD rates are at 3.50%, 60-Month CD & Up rates are at 0.35%, 48-59-Month CD rates are at 0.30%, 36-47-Month CD rates are at 0.25%. Unity Bank's savings rates are at 0.00%. Unity Bank's money market rates are at 0.00%. Unity Bank's Conforming 15 Year Fixed rates are at 5.50%, Conforming 30 Year Fixed rates are at 6.00%, 30 Year Fixed Super/Conforming rates are at 6.00%, 15 Year Fixed Super/Conforming rates are at 6.38%. MonitorBankRates evaluates the financial stability of Unity Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.29%. Rates were last updated on 03/05/2026.
Rate Updates and AvailabilityUnity Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Unity Bank? Share your experience about Unity Bank by leaving a review below, or read customer reviews before you decide to use Unity Bank. Unity Bank Texas RatioUnity Bank's Texas Ratio is at 7.29%, which is considered excellent. The Texas Ratio for Unity Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Unity Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Unity Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 96/100
Unity Bank has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/05/2026 
Unity Bank CD Rates
Unity Bank Savings Rates
Unity Bank Money Market Rates
Unity Bank Checking Rates
Unity Bank Mortgage Rates
Unity Bank Home Equity & HELOC
Unity Bank Auto Loan Rates
Unity Bank Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Unity Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Unity Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Unity Bank's official website for the most current offers and terms.
Bank Profile & OverviewUnity Bank
64 Old Highway 22Clinton, NJ 08809 Hunterdon Established Date: 09/13/1991 FDIC Certificate #: 33503 Date of FDIC Deposit Insurance: 09/13/1991 Bank Holding Company: UNITY BCORP INC How Many Domestic U.S. Offices? 22 How Many Branches are There? 22 Website: https://www.unitybank.com
Is Unity Bank FDIC Insured? Yes
What is Unity Bank's Cert number? 33503
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (96/100)
Texas Ratio:
7.29%
Return on Assets (ROA):
1.5660%
Return on Equity (ROE):
16.1500%
Non-Performing Loans (NPL):
0.61%
Total Assets:
$2,956,346,000
Total Deposits:
$2,324,458,000
Equity Capital:
$345,269,000
Net Income:
$53,070,000
Headquarters:
Clinton
Regulator:
FDIC
# of Offices:
22
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for Unity Bank yet. Feel free to create one below.
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Frequently Asked Questions About Unity BankHow do I open an account at Unity Bank?You can typically open an account at Unity Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Unity Bank provides a range of mortgage and home equity products. Is Unity Bank a safe place to deposit money?Yes, Unity Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Unity Bank offer online and mobile banking?Most modern institutions like Unity Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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