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Unified Bank Martins Ferry, OH Rates & Review April 2026

Unified Bank Martins Ferry, OH's 7-Month CD rates are at 4.01%, 13-Month CD rates are at 3.80%, 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 5.93%. Rates were last updated on 04/17/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.93%
Excellent Higher than avg
Unified Bank Martins Ferry, OH
201 S 4th St
Martins Ferry, OH 43935
https://www.unifiedbank.com
Member FDIC

Unified Bank Martins Ferry, OH CD Rates

Product Rate APY Term View More
7 Month CD - 4.01% 7
Min Deposit $1,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.93%
13 Month CD - 3.80% 13
Min Deposit $1,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.93%
3 Month CD - 3.61% 3
Min Deposit $1,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.93%

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
FDIC Certificate # 9463
Established 01/01/1902
FDIC Insurance Date 01/01/1934
Domestic Offices 19
Total Branches 19
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 97/100
5.0
Exceptional Out of 5.0 Stars
5.93%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.5053%
Return on Equity (ROE) 17.8300%
Non-Performing Loans (NPL) 0.03%
Total Assets $851,705,000
Total Deposits $657,198,000
Equity Capital $73,862,000
Net Income $11,435,000
Headquarters Martins Ferry
Total Offices 19
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Unified Bank Martins Ferry, OH

Is Unified Bank Martins Ferry, OH a safe place to deposit money?

Yes, Unified Bank Martins Ferry, OH is considered a safe financial institution. With a Texas Ratio of 5.9315369677906%, 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 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.

Current Unified Bank Martins Ferry, OH Rates

  • 12-Month CD3.80%
Retrieved from our database of financial products. Rates subject to change.