UNB Bank Rates and Review February 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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UNB Bank's Certificates of Deposit 3 6-Month rates are at 3.56%, IRA Accounts 12-Month CD rates are at 3.50%, Certificates of Deposit 3 12-Month rates are at 3.40%, IRA Accounts 24-Month CD rates are at 2.73%, Certificates of Deposit 3 24-Month rates are at 2.63%. UNB Bank's savings rates are at 0.10%. UNB Bank's money market rates are at 0.05%. UNB Bank's Mortgage 15 Year Fixed Rate rates are at 5.50%, Mortgage 20 Year Fixed Rate rates are at 5.75%, 30-Year Fixed Mortgage rates are at 6.00%, Adjustable Rate Mortgages rates are at 6.38%, Fixed Rate Mortgages rates are at 6.75%.
Rate Updates and AvailabilityUNB 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 UNB Bank? Share your experience about UNB Bank by leaving a review below, or read customer reviews before you decide to use UNB Bank. UNB Bank Texas RatioUNB Bank's Texas Ratio is at 0.58%, which is considered excellent. The Texas Ratio for UNB Bank is lower 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
Excellent
Out of 5.0 Stars
UNB 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, UNB Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
UNB Bank CD Rates
UNB Bank Savings Rates
UNB Bank Money Market Rates
UNB Bank Mortgage Rates
UNB Bank Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for UNB 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 UNB 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 UNB Bank's official website for the most current offers and terms.
Bank Profile & OverviewUNB Bank
1 N Oak StMount Carmel, PA 17851 Northumberland Established Date: 01/01/1906 FDIC Certificate #: 7631 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: UNB CORP How Many Domestic U.S. Offices? 2 How Many Branches are There? 2 Website: https://www.unb.bank
Is UNB Bank FDIC Insured? Yes
What is UNB Bank's Cert number? 7631
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$164,075,000
Total Deposits:
$154,930,000
Equity Capital:
$8,136,000
Net Income:
$24,000
Return on Assets (ROA):
0.1924%
Return on Equity (ROE):
3.9600%
Headquarters:
Mount Carmel
Regulator:
FDIC
# of Offices:
2
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for UNB Bank yet. Feel free to create one below.
Add Your Rating and Review for UNB Bank
Frequently Asked Questions About UNB BankHow do I open an account at UNB Bank?You can typically open an account at UNB Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, UNB Bank provides a range of mortgage and home equity products. Is UNB Bank a safe place to deposit money?Yes, UNB Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does UNB Bank offer online and mobile banking?Most modern institutions like UNB Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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