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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 October 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 and Verified: October 12, 2026
UniBank for Savings's top rates as of October 12, 2026 are 3.85% APY on its 6-Months 6-Month IRA CD, 0.05% APY on savings, 2.00% APY on money market accounts, and personal loans from 14.00% APR, according to rates verified by MonitorBankRates. Other UniBank for Savings CD rates include 8-Months 8-Month Certificate at 3.85%, 14-Month CD at 3.50%, and 6-Months 6-Month Certificate at 3.50%. 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 5.57%. Rates last updated and verified on 10/12/2026. 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. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. UniBank for Savings CD Rates
UniBank for Savings Business Savings Rates
UniBank for Savings Business Money Market Rates
UniBank for Savings Home Equity & HELOC
UniBank for Savings Auto Loan Rates
UniBank for Savings Personal Loan Rates
UniBank for Savings Other Rates
Financial Health HistoryUniBank for Savings’s Texas Ratio rose from 1.91% in Q3 2023 to 5.57% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.1 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
18700603
FDIC Insurance Date
19850910
Domestic Offices
15
Total Branches
15
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 97/100
5.0
Exceptional
Out of 5.0 Stars
5.57%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0582%
Return on Equity (ROE)
13.5400%
Non-Performing Loans (NPL)
0.43%
Total Assets
$3,109,431,000
Total Deposits
$2,574,554,000
Equity Capital
$236,199,000
Net Income
$15,451,000
Headquarters
Whitinsville
Total Branches and Offices
15
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for UniBank for Savings
Frequently Asked Questions About UniBank for SavingsHow 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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