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Unity Bank Augusta, WI

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Unity Bank Augusta, WI Rates & Review September 2026

Q: How many branches does Unity Bank Augusta, WI operate?

Unity Bank Augusta, WI currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Unity Bank Augusta, WI 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Unity Bank Augusta, WI 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 16, 2026

Unity Bank Augusta, WI's 5-Month CD rates are at 4.30%. Unity Bank Augusta, WI's Auto Loan Rates are as low as 4.49%. MonitorBankRates evaluates the financial stability of Unity Bank Augusta, WI with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 73.99%. Rates last updated and verified on 09/16/2026.

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

Overall Health & Safety Grade

High Risk Health Score: 23/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

73.99%

Weak Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Unity Bank

207 W Lincoln St
Augusta, WI 54722

https://www.unitybanking.com

Unity Bank Augusta, WI CD Rates

Product	Rate	APY	Term	View More
5 Month CD	-	4.30%	5 Month
Min Balance $5,000 Last Updated 09/16/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 73.99%

Unity Bank Augusta, WI Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Vehicle Loan Special	-	-	4.49%
Details Terms and conditions apply Last Updated 09/16/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 73.99%

Unity Bank Augusta, WI RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicle Loan Special	-	5.49%
Details Terms and conditions apply Last Updated 09/16/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 73.99%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Unity Bank Augusta, WI’s Texas Ratio rose from 23.34% in Q3 2023 to 73.99% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.3 to 1.0 and its Health Grade from B- to F. 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	$575M	73.99%	1.0	F
March 31, 2026	$588M	72.05%	1.0	F
December 31, 2025	$612M	66.18%	1.0	F
September 30, 2025	$606M	61.12%	1.2	F
June 30, 2025	$624M	55.66%	1.6	F
March 31, 2025	$637M	40.74%	2.9	F
December 31, 2024	$637M	33.04%	3.5	D
September 30, 2024	$636M	33.38%	3.5	D
June 30, 2024	$626M	37.66%	3.1	D
March 31, 2024	$621M	38.81%	3.0	D
December 31, 2023	$615M	39.89%	2.9	F
September 30, 2023	$603M	23.34%	4.3	B-

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 Unity Bank Augusta, WI 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 Unity Bank Augusta, WI 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 Unity Bank Augusta, WI's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Unity Bank Augusta, WI

Bank Holding Company KIMBERLY LEASING CORP

Address 207 W Lincoln St, Augusta, WI 54722 · Eau Claire

Website https://www.unitybanking.com

FDIC Certificate # 8714

Established 19141201

FDIC Insurance Date 19340102

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 23/100

1.0

Weak Out of 5.0 Stars

73.99%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.0271%

Return on Equity (ROE) 0.3100%

Non-Performing Loans (NPL) 6.37%

Total Assets $574,753,000

Total Deposits $509,585,000

Equity Capital $51,968,000

Net Income $80,000

Headquarters Augusta

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Unity Bank Augusta, WI

How many branches does Unity Bank Augusta, WI operate?

Unity Bank Augusta, WI currently maintains approximately 13 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, Unity Bank Augusta, WI 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, Unity Bank Augusta, WI provides members with tools to manage their accounts and build a solid financial history.

Does Unity Bank Augusta, WI offer online and mobile banking?

Most modern institutions like Unity Bank Augusta, WI 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.unitybanking.com.