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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 UniBank for Savings Rates & 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
UniBank for Savings's 8-Month Certificate rates are at 3.75%, 8-Month Short Term Statement Certificate of Deposit2 rates are at 3.75%, 14-Month CD rates are at 3.50%, 6-Month Certificate rates are at 3.50%, 6-Month IRA CD rates are at 3.50%. UniBank for Savings's savings rates are at 0.05%. UniBank for Savings's money market rates are at 0.10%. UniBank for Savings's Personal Loan Rates are at 14.00%. MonitorBankRates evaluates the financial stability of UniBank for Savings with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.00%. Rates were last updated on 03/22/2026. UniBank for Savings 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 UniBank for Savings? Share your experience about UniBank for Savings by leaving a review below, or read customer reviews before you decide to use UniBank for Savings. 
UniBank for Savings CD Rates
UniBank for Savings Savings Rates
UniBank for Savings Money Market Rates
UniBank for Savings Home Equity & HELOC
UniBank for Savings Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for UniBank for Savings 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 UniBank for Savings 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 UniBank for Savings's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
UniBank for Savings
Bank Holding Company
UFS BCORP
Address
49 Church St,
Whitinsville, MA 01588 · Worcester
Website
https://www.unibank.com
FDIC Certificate #
90290
Established
06/03/1870
FDIC Insurance Date
09/10/1985
Domestic Offices
15
Total Branches
15
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9012%
Return on Equity (ROE)
14.6900%
Non-Performing Loans (NPL)
0.11%
Total Assets
$2,735,109,000
Total Deposits
$2,143,119,000
Equity Capital
$220,667,000
Net Income
$22,214,000
Headquarters
Whitinsville
Total Offices
15
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About UniBank for SavingsIs UniBank for Savings a safe place to deposit money?Yes, UniBank for Savings is considered a safe financial institution. With a Texas Ratio of 1.999322705012%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does UniBank for Savings operate?UniBank for Savings currently maintains approximately 15 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, UniBank for Savings 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, UniBank for Savings provides members with tools to manage their accounts and build a solid financial history. Does UniBank for Savings offer online and mobile banking?Most modern institutions like UniBank for Savings 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.unibank.com. Current UniBank for Savings Rates
Retrieved from our database of financial products. Rates subject to change.
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