UniBank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 3.75%, 6-month CD rates at 4.15% and 3-month CD rates at 3.50%. Current savings rates are at 0.10% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.50%. Credit Card rates are at 12.24%. Personal Loan rates are at 10.99%. All these rates, and more, can be found in our database of rates. UniBank's 3-Month CD rates are at 4.00%, 12-Month CD rates are at 3.75%, 6-Month CD rates are at 3.75%, 18-Month CD rates are at 3.75%, 24-Month CD rates are at 3.60%. UniBank's savings rates are at 0.05%. UniBank's money market rates are at 0.05%.

UniBank

To see how these rates compare to UniBank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from UniBank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with UniBank CD rates. You can also compare UniBank savings rates, MMA rates and mortgage rates using our other rate lists.

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

UniBank Texas Ratio

UniBank's Texas Ratio is at 5.96%, which is considered excellent. The Texas Ratio for UniBank 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.

Overall, UniBank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

3.75%

2.54%

18-Month CD

3.75%

2.27%

24-Month CD

3.60%

2.27%

36-Month CD

3.40%

2.20%

48-Month CD

3.20%

2.14%

60-Month CD

3.00%

2.26%

Savings

0.05%

0.65%

MMA

0.05%

1.01%

30-Year Fixed

N/A

6.71%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

UniBank

19315 Highway 99
Lynnwood, WA 98036

https://www.unibankusa.com

MonitorBankRates' Rating

5/5

★★★★★

Review UniBank

UniBank CD Rates and Interest Rates

UniBank

3-Month CD

4.00%

$1,000

UniBank

18-Month CD

3.75%

$1,000

UniBank

12-Month CD

3.75%

$1,000

UniBank

6-Month CD

3.75%

$1,000

UniBank

24-Month CD

3.60%

$1,000

UniBank

36-Month CD

3.40%

$1,000

UniBank

48-Month CD

3.20%

$1,000

UniBank

60-Month CD

3.00%

$1,000

UniBank

Money Market

0.05%

$2,500

UniBank

Regular Savings

0.05%

$500

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare UniBank Rates with Other Competitive Bank and Credit Union Rates

Leader Bank

6-Month CD

4.50%

$1,000

First Internet Bank of Indiana

6-Month CD

4.15%

$1,000

Unison Bank

6-Month CD

4.04%

$2,500

RadiFi Credit Union

Make Waves Checking

4.00%

$5,000

West Pointe Bank

12-Month CD

3.97%

$500

First B&T Co. Perry, OK

12-Month CD

3.82%

$1,500

CorTrust Bank

30-Month CD

3.75%

$500

Central State Bank State Center, IA

18-Month CD

3.63%

$1,500

First Federal S&L of Van Wert

48-Month CD

3.56%

$2,500

Clear Lake Bank and Trust Company

12-Month CD

3.45%

$1,000

Circuit Federal Credit Union

12-Month CD

3.35%

$1,000

Vidalia Federal Savings Bank

24-Month CD

3.30%

$2,500

Needham Bank

48-Month CD

3.25%

$1,000

Gateway Commercial Bank

24-Month CD

3.04%

$1,000

Raritan State Bank

12-Month CD

2.99%

$1,000

Primebank

48-Month CD (Step Up)

2.90%

$1,000

Gainey Business Bank

6-Month CD

2.89%

$5,000

North Shore Bank of Commerce

Preferred Investment Max Money Market

2.70%

$5,000

705 Federal Credit Union

24-Month CD

2.52%

$1,000

First Bank Elk River

3-Month CD

2.52%

Homewood Federal SB

18-Month CD

2.50%

$20,000

The Bank of Landisburg

18-Month CD

2.42%

$1,000

Osgood Bank

18-Month CD

2.27%

$10,000

Western Nebraska Bank

36-Month CD

2.27%

$250

Newtek Bank

60-Month CD

2.00%

$2,500

Credit Human Federal Credit Union

Money Market

2.00%

$10,000

Washington State Bank Washington, IA

36-Month CD

1.81%

$500

Paramount Bank

12-Month CD

1.75%

$1,000

First Community Bank of Moultrie County

48-Month CD

1.51%

$500

SSB Scott State Bank

60-Month CD

1.51%

$1,000

Fairview State Banking Company

3-Month CD

1.51%

$2,500

New Market Bank

3-Month CD

1.31%

$500

Great Plains State Bank

Savings

1.25%

$10

Cayuga Lake National Bank

36-Month CD

1.21%

$500

Mid-Missouri Bank

60-Month CD

1.00%

$1,000

Commonwealth Community Bank, Inc.

48-Month CD

0.85%

PSB Provident Savings Bank

36-Month CD

0.63%

$1,000

Chester National Bank

36-Month CD

0.50%

$500

HomePride Bank

Kasasa Savings

0.50%

$50

Liberty Bank Liberty, IL

3-Month CD

0.50%

$1,000

First Piedmont Federal S&L of Gaffney

60-Month CD

0.30%

$1,000

Embassy Bank for the Lehigh Valley

Ingot Gold Savings

0.30%

FSB of Forrest

Savings

0.25%

The Bank of Bennington

Premier Money Market

0.25%

OBC Bank

36-Month CD

0.25%

$1,000

First Federal S&L of Lakewood

Statement Savings

0.05%

$100

Heritage Bank Minnesota

Interest Checking

0.05%

Pillar Bank

Savings

0.05%

$100

Busey Bank

6-Month CD

0.05%

$1,000

167th TFR Federal Credit Union

Share Savings

0.05%

Disclaimer

Mortgage Rates May 14, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

M&T Bank

5-Year ARM Jumbo

5.250%

4.753%

0.000

Americas First Federal Credit Union

15-Year Fixed

5.560%

5.250%

0.000

Catskill Hudson Bank

15-Year Fixed

5.250%

5.385%

0.750

Lakewood Credit Union

15 Year Fixed

5.300%

5.390%

0.000

Pioneer Federal Credit Union

15-Year Fixed

5.250%

5.491%

0.000

Pittsford Federal Credit Union

15-Year Fixed

5.375%

5.507%

0.000

State Employees Credit Union

10-Year Fixed

5.300%

5.518%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.300%

5.518%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

DCU Digital Federal Credit Union

10-Year Fixed

5.250%

5.545%

1.000

Pittsford Federal Credit Union

10-Year Fixed

5.375%

5.563%

0.000

First FSB of Champaign Urbana

10-Year Fixed

5.500%

5.569%

0.000

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

Hatboro Federal Savings

15-Year Fixed

5.250%

5.629%

2.000

Piedmont Advantage Credit Union

15-Year Fixed

5.375%

5.633%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.625%

5.651%

0.000

State Employees Credit Union

15-Year Fixed

5.500%

5.654%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.500%

5.654%

0.000

Nuvision Federal Credit Union

15-Year Fixed

5.375%

5.677%

1.125

Sikorsky Credit Union

15-Year Fixed

5.625%

5.681%

0.000

Chartway Credit Union

5/1 ARM

5.625%

5.693%

0.000

Navy Federal Credit Union

15-Year Fixed

5.500%

5.694%

0.250

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

UniBank Information

UniBank

19315 Highway 99
Lynnwood, WA 98036
Snohomish
Established Date: 11/01/2006
FDIC Certificate #: 58407
Date of FDIC Deposit Insurance: 11/01/2006

Bank Holding Company: U&I FINANCIAL CORP

How Many Domestic U.S. Offices? 4

How Many Branches are There? 4

Website: https://www.unibankusa.com

Is UniBank FDIC Insured? Yes

What is UniBank's Cert number? 58407

What is the maximum amount for insured deposits? $250,000 per holder, per account

UniBank Financials

Total Assets:

$594,568,000

Total Deposits:

$475,018,000

Equity Capital:

$62,255,000

Domestic Deposits:

$475,018,000

Net Income:

$1,297,000

Return on Assets:

1.6670%

Quarterly Return on Assets:

0.8600%

Pretax Return on Assets:

1.0820%

Pretax Quarterly Return on Assets:

1.0800%

Return on Equity:

13.2200%

Quarterly Return on Equity:

8.4100%

Common Equity Tier 1 Capital Ratio:

16.5370%

Tier 1 Risk-Based Capital Ratio:

16.5370%

Leverage Tier 1 (Core Capital) Ratio:

13.2592%

Total Risk-Based Capital Ratio (YTD):

17.6064%

Total Interest Income (YTD):

6.6426%

Headquarters:

Lynnwood

FDIC Field Office:

Seattle

Regulator:

FED

County:

Snohomish

# of Offices:

Metropolitan Statistical Area (MSA):

Seattle-Tacoma-Bellevue, WA

Consolidated Metropolitan Statistical Area (CMSA):

Seattle-Tacoma-Bremerton, WA

OTS Region:

West

FDIC Region:

San Francisco

Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage Rates: Current Spread Between 30 Year Conforming Mortgage Rates and Jumbo Mortgage Rates at 0.44%

Mortgage rates are mostly higher today as bond yields increased on the prospect of a solution to the sovereign government debt crisis in Europe. Today's mortgage rates on 30 year conforming mortgages are averaging 4.07%, up slightly from yesterday's average 30 year mortgage rate of 4.06%. The spread between 30 year conforming mortgage rates and 30 year jumbo mortgage rates is at the lowest point ever at 0.44% on MonitorBankRates' average mortgage rates index.

Certificate of Deposit Rates Down Again

Certificate of deposit rates are down again this week with the exception of 18 month and 36 month certificate of deposit rates. 18 month CD rates increased to 1.225 percent, up from the last week’s average rate of 1.091 percent. 36 month CD interest rates are up to 1.902 percent, an increase from last week’s average rate of 1.650 percent.

Average Bank CD Rates

Bank CD rates continued their slow decent down this week, there were no big moves down, in fact the average bank CD rate decline was fractional this week over last week.