What are the current interest rates at Unified Bank Martins Ferry, OH?

Current rates for Unified Bank Martins Ferry, OH include: 12-Month CD: 4.01%, 18-Month CD: 4.11%

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Unified Bank Martins Ferry, OH

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Unified Bank Martins Ferry, OH Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Unified Bank Martins Ferry, OH provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Unified Bank Martins Ferry, OH's 19-Month CD rates are at 4.11%, 13-Month CD rates are at 4.01%, 7-Month CD rates are at 3.91%, 3-Month CD rates are at 3.61%. MonitorBankRates evaluates the financial stability of Unified Bank Martins Ferry, OH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.50%. Rates last updated and verified on 09/14/2026.

Unified Bank Martins Ferry, OH 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 Unified Bank Martins Ferry, OH? Share your experience about Unified Bank Martins Ferry, OH by leaving a review below, or read customer reviews before you decide to use Unified Bank Martins Ferry, OH.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.50%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Unified Bank

201 S 4th St
Martins Ferry, OH 43935

https://www.unifiedbank.com

Unified Bank Martins Ferry, OH CD Rates

Product	Rate	APY	Term
19 Month CD	-	4.11%	19 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. The APY's are accurate as of 7/01/26. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.50%
13 Month CD	-	4.01%	13 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. The APY's are accurate as of 7/01/26. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.50%
7 Month CD	-	3.91%	7 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. The APY's are accurate as of 7/01/26. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.50%
3 Month CD	-	3.61%	3 Month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. The APY's are accurate as of 7/01/26. Penalty may be imposed for early withdrawal. All rates are subject to change without notice. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.50%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Unified Bank Martins Ferry, OH’s Texas Ratio rose from 5.93% in Q3 2023 to 11.50% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$872M	11.50%	5.0	A
March 31, 2026	$853M	12.63%	5.0	A
December 31, 2025	$852M	6.51%	5.0	A
September 30, 2025	$863M	8.07%	5.0	A
June 30, 2025	$843M	7.80%	5.0	A
March 31, 2025	$826M	7.87%	5.0	A
December 31, 2024	$814M	5.99%	5.0	A+
September 30, 2024	$822M	5.82%	5.0	A+
June 30, 2024	$818M	6.16%	5.0	A
March 31, 2024	$830M	6.00%	5.0	A
December 31, 2023	$813M	5.60%	5.0	A+
September 30, 2023	$812M	5.93%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Unified Bank Martins Ferry, OH 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 Unified Bank Martins Ferry, OH 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 Unified Bank Martins Ferry, OH's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Unified Bank Martins Ferry, OH

Bank Holding Company UNITED BCORP INC

Address 201 S 4th St, Martins Ferry, OH 43935 · Belmont

Website https://www.unifiedbank.com

FDIC Certificate # 9463

Established 19020101

FDIC Insurance Date 19340101

Domestic Offices 19

Total Branches 19

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.50%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3784%

Return on Equity (ROE) 16.0900%

Non-Performing Loans (NPL) 0.74%

Total Assets $871,724,000

Total Deposits $702,080,000

Equity Capital $75,427,000

Net Income $5,918,000

Headquarters Martins Ferry

Total Branches and Offices 19

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Unified Bank Martins Ferry, OH earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Unified Bank Martins Ferry, OH

How many branches does Unified Bank Martins Ferry, OH operate?

Unified Bank Martins Ferry, OH currently maintains approximately 19 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, Unified Bank Martins Ferry, OH 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, Unified Bank Martins Ferry, OH provides members with tools to manage their accounts and build a solid financial history.

Does Unified Bank Martins Ferry, OH offer online and mobile banking?

Most modern institutions like Unified Bank Martins Ferry, OH 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.unifiedbank.com.