What are the current interest rates at OneUnited Bank?

Current rates for OneUnited Bank include: 24-Month CD: 0.30%, 36-Month CD: 0.30%, Savings: 0.15%, MMA: 0.05%

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OneUnited Bank

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OneUnited Bank Rates & Review September 2026

Q: How many branches does OneUnited Bank operate?

OneUnited Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, OneUnited Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OneUnited Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

OneUnited Bank's UNITY 2 Year CD rates are at 0.30%, UNITY 2 Year IRA CD rates are at 0.30%, UNITY 3 Year CD rates are at 0.30%, UNITY 3 Year IRA CD rates are at 0.30%, UNITY Gold One Year E-CD rates are at 0.30%. OneUnited Bank's savings rates are at 0.15%. OneUnited Bank's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of OneUnited Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.93%. Rates last updated and verified on 09/14/2026.

OneUnited 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 OneUnited Bank? Share your experience about OneUnited Bank by leaving a review below, or read customer reviews before you decide to use OneUnited Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.93%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

OneUnited Bank

185 Devonshire St
Boston, MA 02110

https://www.oneunited.com

OneUnited Bank CD Rates

Product	Rate	APY	Term
UNITY 2 Year CD	0.30%	0.30%	2 Year
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY 2 Year IRA CD	0.30%	0.30%	2 Year
Min Balance $1,000 Details IRA CD Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY 3 Year CD	0.30%	0.30%	3 Year
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY 3 Year IRA CD	0.30%	0.30%	3 Year
Min Balance $1,000 Details IRA CD Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Gold One Year E-CD	0.30%	0.30%	One Year
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Gold Two Year E-CD	0.30%	0.30%	Two Year
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Gold Two Year E-CD	0.30%	0.30%	Two Year
Min Balance $10,000 Details Balance: $10,000 - $249,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Gold Two Year E-CD	0.30%	0.30%	Two Year
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Jumbo 30 Month CD	0.30%	0.30%	30 Month
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Jumbo 42 Month CD	0.30%	0.30%	42 Month
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Gold One Year E-CD	0.25%	0.25%	One Year
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY 90 Day CD	0.10%	0.10%	90 Day
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY 90 Day IRA CD	0.10%	0.10%	90 Day
Min Balance $1,000 Details IRA CD Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Gold 120 Day E-CD	0.10%	0.10%	120 Day
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Gold 120 Day E-CD	0.10%	0.10%	120 Day
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

OneUnited Bank Savings Rates

Product	Rate	APY
UNITY E-Gold Savings	0.40%	0.40%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Plus Savings	0.40%	0.40%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Plus Savings	0.40%	0.40%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Savings	0.40%	0.40%
Min Balance $200 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Savings	0.40%	0.40%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Youth Savings	0.40%	0.40%
Min Balance $10 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Youth Savings	0.40%	0.40%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY E-Gold Savings	0.30%	0.30%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
OneUnited Savings	0.20%	0.20%
Min Balance $200 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY E-Gold Savings	0.20%	0.20%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business UNITY Choice Savings	0.15%	0.15%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

OneUnited Bank Money Market Rates

Product	Rate	APY
Business UNITY Choice Money Market	0.15%	0.15%
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Money Market	0.15%	0.15%
Min Balance $75,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business UNITY Choice Money Market	0.10%	0.10%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Money Market	0.10%	0.10%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business UNITY Choice Money Market	0.05%	0.05%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Money Market	0.05%	0.05%
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

OneUnited Bank Checking Rates

Product	Rate	APY
UNITY E-Gold Checking	0.10%	0.10%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Gold Checking	0.10%	0.10%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Gold Checking	0.10%	0.10%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business UNITY Non-Profit Checking	0.05%	0.05%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Business UNITY Non-Profit Checking	0.05%	0.05%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Business Checking	0.05%	0.05%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
UNITY Business Checking	0.05%	0.05%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

OneUnited Bank’s Texas Ratio rose from 1.87% in Q3 2023 to 2.93% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$638M	2.93%	5.0	A+
March 31, 2026	$609M	1.30%	5.0	A+
December 31, 2025	$762M	0.96%	5.0	A+
September 30, 2025	$622M	0.26%	5.0	A+
June 30, 2025	$607M	0.25%	5.0	A+
March 31, 2025	$607M	0.09%	5.0	A+
December 31, 2024	$756M	0.20%	5.0	A+
September 30, 2024	$573M	0.89%	5.0	A+
June 30, 2024	$614M	4.55%	5.0	A+
March 31, 2024	$607M	3.09%	5.0	A+
December 31, 2023	$756M	2.45%	5.0	A+
September 30, 2023	$594M	1.87%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for OneUnited 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 OneUnited 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 OneUnited Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name OneUnited Bank

FDIC Certificate # 23966

Address 185 Devonshire St, Boston, MA 02110 · Suffolk

Website https://www.oneunited.com

Established 19820802

FDIC Insurance Date 19820802

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.93%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.8047%

Return on Equity (ROE) -8.8800%

Non-Performing Loans (NPL) 0.27%

Total Assets $637,943,000

Total Deposits $511,719,000

Equity Capital $59,236,000

Net Income $-2,694,000

Headquarters Boston

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

OneUnited Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for OneUnited Bank

Frequently Asked Questions About OneUnited Bank

How many branches does OneUnited Bank operate?

OneUnited Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, OneUnited Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, OneUnited Bank provides members with tools to manage their accounts and build a solid financial history.

Does OneUnited Bank offer online and mobile banking?

Most modern institutions like OneUnited Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oneunited.com.