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iAdvertiser Disclosure
Advertiser Disclosure
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 UniBank for Savings Rates & Review November 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: November 7, 2026
UniBank for Savings's 8-Month CD rates are at 3.85%, 14-Month CD rates are at 3.50%, 6-Month CD rates are at 3.50%, 1 Year CD rates are at 3.00%, 3 Year CD rates are at 3.00%. UniBank for Savings's savings rates are at 0.05%. UniBank for Savings's money market rates are at 2.00%. UniBank for Savings's Personal Loan Rates are as low as 14.00%. UniBank for Savings's top CD rate of 3.85% APY on a 6 month CD is 37% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. 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 11/07/2026. 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 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
Bank Name
UniBank for Savings
Website
https://www.unibank.com
Address
49 Church St,
Whitinsville, MA 01588 · Worcester
Bank Holding Company
UFS BCORP
FDIC Certificate #
90290
Regulator
FDIC
Established
June 3, 1870
FDIC Insurance Date
September 10, 1985
Domestic Offices
15
Total Branches
15
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.57%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0582%
Return on Equity (ROE)
13.5400%
Non-Performing Loans Ratio (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 June 30, 2026
Customer Reviews
There are no reviews for UniBank for Savings yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for UniBank for Savings
Frequently Asked Questions About UniBank for SavingsDoes UniBank for Savings offer CDs?Yes. UniBank for Savings current CD rates include its 8-Month CD at 3.85% APY, its 14-Month CD at 3.50% APY and its 6-Month CD at 3.50% APY, verified by MonitorBankRates as of November 7, 2026. Are CDs from UniBank for Savings FDIC insured?Yes. UniBank for Savings is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at UniBank for Savings?The highest UniBank for Savings CD rate is its 6-Month IRA CD at 3.85% APY, verified by MonitorBankRates as of November 7, 2026. What CD terms does UniBank for Savings offer?UniBank for Savings CD rates are 3.50% APY for a 6 month CD, 3.85% APY for an 8 month CD, 3.00% APY for a 12 month CD, 3.50% APY for a 14 month CD, 1.25% APY for a 2 year CD, 3.00% APY for a 3 year CD, 2.50% APY for a 4 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with UniBank for Savings for its full lineup. What is the highest savings rate at UniBank for Savings?The highest UniBank for Savings savings rate is its Statement Savings Account at 0.05% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest money market rate at UniBank for Savings?The highest UniBank for Savings money market rate is its Business Tiered Rate Money Market Account at 2.00% APY, verified by MonitorBankRates as of November 7, 2026. What is the lowest personal loan rate at UniBank for Savings?The lowest UniBank for Savings personal loan rate is its Personal Loan at 14.00% APR, verified by MonitorBankRates as of November 7, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do UniBank for Savings rates compare?UniBank for Savings's top CD rate of 3.85% APY on a 6 month CD is 37% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. UniBank for Savings's top rates are its 6-Months 6-Month IRA CD at 3.85% APY, its Statement Savings Account at 0.05% APY, its Business Tiered Rate Money Market Account at 2.00% APY and its Personal Loan at 14.00% APR, verified by MonitorBankRates on November 7, 2026. Current UniBank for Savings Rates
Retrieved from our database of financial products. Rates subject to change.
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