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Unity Bank Rates & Review November 2026

Q: What are the current interest rates at Unity Bank?

Current rates for Unity Bank include: 12-Month CD: 0.10%, 18-Month CD: 0.15%, 24-Month CD: 0.15%, 36-Month CD: 0.20%, 48-Month CD: 0.25%, 60-Month CD: 0.30%, Savings: 3.75%, MMA: 0.15%

Q: What is the highest CD rate at Unity Bank?

The highest Unity Bank CD rate is its 18-Month CD Promo at 4.40% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What CD terms does Unity Bank offer?

Unity Bank CD rates are 4.20% APY for a 6 month CD, 4.30% APY for an 11 month CD, 0.10% APY for a 12 month CD, 0.15% APY for an 18 month CD, 0.15% APY for a 2 year CD, 0.20% APY for a 3 year CD, 0.25% APY for a 4 year CD, 0.30% APY for a 59 month CD and 0.35% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Unity Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Unity Bank's Promotion CD - 18-Month CD rates are at 4.40%, Promotion CD - 11-Month CD rates are at 4.30%, Promotion CD - 6-Month CD rates are at 4.20%, 60-Month CD & Up rates are at 0.35%, 48-59-Months 48-59-Month CD rates are at 0.30%. Unity Bank's savings rates are at 3.75%. Unity Bank's money market rates are at 0.15%. Unity Bank's checking rates are as high as 0.05%. Unity Bank's Conforming 15 Year Fixed rates are at 6.50%, FHA 30 Year Fixed rates are at 6.875%, 30 Year Fixed Super/Conforming rates are at 7.125%, Conforming 30 Year Fixed rates are at 7.125%. Unity Bank's Personal Loan Rates are as low as 16.00%. Unity Bank's top CD rate of 4.40% APY on an 18 month CD is 50% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Unity Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.27%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.27%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Unity Bank

64 Old Highway 22
Clinton, NJ 08809

https://www.unitybank.com

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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.

Unity Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
18-Month CD Promo	-	4.40%	18 Month	$1,000
Min Deposit $1,000 Details Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Promotion CD - 18-Month CD	-	4.40%	18 months	$1,000
Min Deposit $1,000 Details Promo offer valid beginning September 28, 2026; Rates effective as of 9/28/2026; Penalty for early withdrawal applies; Minimum deposit of $1000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
11-Month CD Promo	-	4.30%	11 Month	$1,000
Min Deposit $1,000 Details Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Promotion CD - 11-Month CD	-	4.30%	11 months	$1,000
Min Deposit $1,000 Details Promo offer valid beginning September 28, 2026; Rates effective as of 9/28/2026; Penalty for early withdrawal applies; Minimum deposit of $1000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
6-Month CD Promo	-	4.20%	6 Month	$1,000
Min Deposit $1,000 Details Promotion offer valid beginning September 28, 2026; Available for consumer, business, and IRA/Retirement CDs (Business and IRA/Retirement CDs must be opened in branch); Minimum deposit of $1000; Rates effective as of 9/28/2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Promotion CD - 6-Month CD	-	4.20%	6 months	$1,000
Min Deposit $1,000 Details Promo offer valid beginning September 28, 2026; Rates effective as of 9/28/2026; Penalty for early withdrawal applies; Minimum deposit of $1000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
60-Month CD & Up	-	0.35%	60 Month	$1,000
Min Deposit $1,000 Details Rates effective as of 3/18/2024 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
48-59-Month CD	-	0.30%	48-59 months	$1,000
Min Deposit $1,000 Details Rates effective as of 3/18/2024 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
36-47-Month CD	-	0.25%	36-47 months	$1,000
Min Deposit $1,000 Details Rates effective as of 3/18/2024 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
24-29-Month CD	-	0.20%	24-29 months	$1,000
Min Deposit $1,000 Details Rates effective as of 3/18/2024 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
30-35-Month CD	-	0.20%	30-35 months	$1,000
Min Deposit $1,000 Details Rates effective as of 3/18/2024 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
12-17-Month CD	-	0.15%	12-17 months	$1,000
Min Deposit $1,000 Details Rates effective as of 3/18/2024 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
18-23-Month CD	-	0.15%	18-23 months	$1,000
Min Deposit $1,000 Details Rates effective as of 3/18/2024 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
06-11-Month CD	-	0.10%	6-11 months	$1,000
Min Deposit $1,000 Details Rates effective as of 3/18/2024 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
03-05-Month CD	-	0.05%	5 Month	$1,000
Min Deposit $1,000 Details Rates effective as of 3/18/2024 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%

Unity Bank Savings Rates

Product	Rate	APY
Consumer High Yield eSavings	-	3.75%
Min Deposit $1 Min Balance $150,000 Details Branch Only; Balance: $150,000 +; Account must be opened at a branch office; eStatements required; Rates effective as of 9/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Consumer High Yield eSavings	-	3.25%
Min Deposit $1 Min Balance $100,000 Details Branch Only; Balance: $100,000 - $149,999.99; Account must be opened at a branch office; eStatements required; Rates effective as of 9/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Consumer High Yield eSavings	-	2.75%
Min Deposit $1 Min Balance $50,000 Details Branch Only; Balance: $50,000 - $99,999.99; Account must be opened at a branch office; eStatements required; Rates effective as of 9/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Consumer High Yield eSavings	-	2.25%
Min Deposit $1 Min Balance $10,000 Details Branch Only; Balance: $10,000 - $49,999.99; Account must be opened at a branch office; eStatements required; Rates effective as of 9/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Consumer High Yield eSavings	-	0.35%
Min Deposit $1 Min Balance $0 Details Branch Only; Balance: $00.01 - $9,999.99; Account must be opened at a branch office; eStatements required; Rates effective as of 9/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
eSavings	-	0.25%
Min Deposit $1 Min Balance $500,000 Details Balance: $500,000 + up Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
eSavings	-	0.15%
Min Deposit $1 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
eSavings	-	0.10%
Min Deposit $1 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
eSavings	-	0.10%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Savings	-	0.10%
Min Deposit $1 Min Balance $20,000 Details Balance: $20,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Savings	-	0.10%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000 + up Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
eSavings	-	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100 - $19,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Savings	-	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100 - $19,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Prosperity Savings	-	0.05%
Min Deposit $1 Min Balance $25 Details Balance: $25.00 + up Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
eSavings	-	0.00%
Min Deposit $1 Min Balance $0 Details Balance: $00.01 - $99.99 Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Savings	-	0.00%
Min Deposit $1 Min Balance $0 Details Balance: $00.01 - $99.99 Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Prosperity Savings	-	0.00%
Min Deposit $1 Min Balance $0 Details Balance: $00.00 - $24.99 Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%

Unity Bank Business Savings Rates

Product	Rate	APY
Business High Yield eSavings (In Branch Only)	-	3.25%
Min Deposit $1 Min Balance $1,000,000 Details Balance: $1,000,000 & Above; Unity Bank Branch Only; Business accounts only; New money only; Rates effective as of 10/2/2026; eStatements required Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Business High Yield eSavings (In Branch Only)	-	2.25%
Min Deposit $1 Min Balance $250,000 Details Balance: $250,000 - $999,999.99; Unity Bank Branch Only; Business accounts only; New money only; Rates effective as of 10/2/2026; eStatements required Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Business High Yield eSavings (In Branch Only)	-	1.25%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000 - $249,999.99; Unity Bank Branch Only; Business accounts only; New money only; Rates effective as of 10/2/2026; eStatements required Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Business High Yield eSavings (In Branch Only)	-	0.35%
Min Deposit $1 Min Balance $0 Details Balance: $0 - $24,999.99; Unity Bank Branch Only; Business accounts only; New money only; Rates effective as of 10/2/2026; eStatements required Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%

Unity Bank Money Market Rates

Product	Rate	APY
Money Market IRA	-	0.15%
Min Deposit $1 Min Balance $50,000 Details Balance: $50,000 + up Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Money Market IRA	-	0.10%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Money Market IRA	-	0.10%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Money Market Account	-	0.10%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000.00 + up; Account has minimum balance requirements to avoid service charge Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Money Market IRA	-	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100 - $4,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Money Market IRA	-	0.05%
Min Deposit $1 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Money Market Account	-	0.05%
Min Deposit $1 Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99; Account has minimum balance requirements to avoid service charge Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Money Market IRA	-	0.00%
Min Deposit $1 Min Balance $0 Details Balance: $00.00 - $99.99 Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Money Market Account	-	0.00%
Min Deposit $1 Min Balance $0 Details Balance: $0 - $1,999.99; Account has minimum balance requirements to avoid service charge Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%

Unity Bank Checking Rates

Product	Rate	APY
Opportunity Checking	-	0.05%
Min Deposit $1 Min Balance $2,000 Details Balance: $2,000.00 - $3,999.99; Account has minimum balance requirements to avoid service charge Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Checking	-	0.05%
Min Deposit $1 Min Balance $4,000 Details Balance: $4,000.00 - $6,999.99; Account has minimum balance requirements to avoid service charge Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Checking	-	0.05%
Min Deposit $1 Min Balance $7,000 Details Balance: $7,000.00 + up; Account has minimum balance requirements to avoid service charge Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Prosperity Plus Checking	-	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100.00 + up; Account has minimum balance requirements to avoid service charge Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Student Checking	-	0.05%
Min Deposit $1 Details Balance: no minimum Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Opportunity Checking	-	0.00%
Min Deposit $1 Min Balance $0 Details Balance: $0 - $1,999.99; Account has minimum balance requirements to avoid service charge Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Prosperity Plus Checking	-	0.00%
Min Deposit $1 Min Balance $0 Details Balance: $00.00 - $99.99; Account has minimum balance requirements to avoid service charge Last Updated 11/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%

Unity Bank Mortgage Rates

Product	Rate	Points	APR
Conforming 15 Year Fixed	6.50%	0.000%	6.548%
No additional details. Last Updated 11/05/2026 Rate History 4 changes since Sep 18, 2026 · 6.55% → 6.55% ▼ 0.00 pts · high 6.92% / low 6.55% Nov 5, 20266.55%▼ from 6.88% Oct 1, 20266.88%▼ from 6.92% Sep 27, 20266.92%▲ from 6.63% Sep 24, 20266.63%▲ from 6.55% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
FHA 30 Year Fixed	6.875%	0.000%	7.09%
No additional details. Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 7.53% → 7.09% ▼ 0.44 pts · high 7.53% / low 7.09% Nov 5, 20267.09%▼ from 7.53% Oct 20, 20267.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
30 Year Fixed Super/Conforming	7.125%	0.000%	7.14%
No additional details. Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 7.14% → 7.14% ▼ 0.00 pts · high 7.27% / low 7.02% Nov 5, 20267.14%▼ from 7.27% Sep 27, 20267.27%▲ from 7.02% Sep 24, 20267.02%▼ from 7.14% Sep 18, 20267.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Conforming 30 Year Fixed	7.125%	0.000%	7.155%
No additional details. Last Updated 11/05/2026 Rate History 4 changes since Sep 18, 2026 · 7.03% → 7.16% ▲ 0.12 pts · high 7.41% / low 7.03% Nov 5, 20267.16%▼ from 7.30% Oct 20, 20267.30%▼ from 7.41% Oct 1, 20267.41%▲ from 7.28% Sep 27, 20267.28%▲ from 7.03% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%

Unity Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Home Equity Loans	-	-	7.00%	5 years
Details Fixed rate for the life of the loan; loan amounts $10,000 to $500,000; maximum LTV 75% Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 20, 20267.00%▲ from 6.75% Oct 1, 20266.75%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Fixed Home Equity Loans	-	-	7.125%	10 years
Details Fixed rate for the life of the loan; loan amounts $10,000 to $500,000; maximum LTV 75% Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 6.63% → 7.13% ▲ 0.50 pts · high 7.13% / low 6.63% Oct 20, 20267.13%▲ from 6.88% Oct 1, 20266.88%▲ from 6.63% Sep 18, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Fixed Home Equity Loans	-	-	7.75%	15 years
Details Fixed rate for the life of the loan; loan amounts $10,000 to $500,000; maximum LTV 75% Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 7.00% → 7.75% ▲ 0.75 pts · high 7.75% / low 7.00% Oct 20, 20267.75%▲ from 7.38% Oct 1, 20267.38%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%

Unity Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans (2026) 12-60 months	-	-	8.125%	12-60 months
Details Minimum loan amount $10,000; 10% down payment from purchase price Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 8.13% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
New Auto Loans (2026) 61-72 months	-	-	8.50%	61-72 months
Details Minimum loan amount $10,000; 10% down payment from purchase price Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Used Auto Loans (2023 to 2025) 12-60 months	-	-	9.125%	12-60 months
Details Minimum loan amount $5,000; loan based on wholesale value from NADA book Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.13% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%
Used Auto Loans (2021 to 2022) 12-48 months	-	-	9.50%	12-48 months
Details Minimum loan amount $5,000; loan based on wholesale value from NADA book Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%

Unity Bank Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loans up to 60 months	16.00%	up to 60 months
No additional details. Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 16.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.27%

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’s Texas Ratio rose from 6.06% in Q3 2023 to 9.27% 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 5.0 to 5.0. 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	$3.2B	9.27%	5.0	A
March 31, 2026	$3.0B	8.85%	5.0	A
December 31, 2025	$3.0B	8.78%	5.0	A
September 30, 2025	$2.9B	5.19%	5.0	A+
June 30, 2025	$2.9B	4.90%	5.0	A+
March 31, 2025	$2.8B	5.14%	5.0	A+
December 31, 2024	$2.6B	4.52%	5.0	A+
September 30, 2024	$2.6B	4.36%	5.0	A+
June 30, 2024	$2.6B	4.41%	5.0	A+
March 31, 2024	$2.6B	5.01%	5.0	A+
December 31, 2023	$2.6B	6.17%	5.0	A
September 30, 2023	$2.6B	6.06%	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 Unity Bank 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 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's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Unity Bank

Website https://www.unitybank.com

Address 64 Old Highway 22, Clinton, NJ 08809 · Hunterdon

Bank Holding Company UNITY BCORP INC

FDIC Certificate # 33503

Regulator FDIC

Established September 13, 1991

FDIC Insurance Date September 13, 1991

Domestic Offices 22

Total Branches 22

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.27%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.9077%

Return on Equity (ROE)

16.2400%

Non-Performing Loans Ratio (NPL)

1.04%

Total Assets

$3,184,193,000

Total Deposits

$2,464,747,000

Equity Capital

$372,220,000

Net Income

$29,114,000

Headquarters

Clinton

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Unity Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Unity Bank

Does Unity Bank offer CDs?

Yes. Unity Bank current CD rates include its Promotion CD - 18-Month CD at 4.40% APY, its Promotion CD - 11-Month CD at 4.30% APY and its Promotion CD - 6-Month CD at 4.20% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Unity Bank FDIC insured?

Yes. Unity Bank 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 Unity Bank?

The highest Unity Bank CD rate is its 18-Month CD Promo at 4.40% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Unity Bank offer?

Unity Bank CD rates are 4.20% APY for a 6 month CD, 4.30% APY for an 11 month CD, 0.10% APY for a 12 month CD, 0.15% APY for an 18 month CD, 0.15% APY for a 2 year CD, 0.20% APY for a 3 year CD, 0.25% APY for a 4 year CD, 0.30% APY for a 59 month CD and 0.35% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Unity Bank for its full lineup.

What is the highest savings rate at Unity Bank?

The highest Unity Bank savings rate is its Consumer High Yield eSavings at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Unity Bank?

The highest Unity Bank money market rate is its Money Market IRA at 0.15% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Unity Bank?

The highest Unity Bank checking rate is its Opportunity Checking at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Unity Bank?

The lowest Unity Bank 30 year fixed mortgage rate is its FHA 30 Year Fixed at 6.875%, verified by MonitorBankRates as of November 5, 2026. Unity Bank mortgage rates are 7.125% for a 30 year mortgage and 6.50% for a 15 year mortgage.

What is the lowest auto loan rate at Unity Bank?

The lowest Unity Bank auto loan rate is its New Auto Loans (2026) 12-60 months at 8.125% APR, verified by MonitorBankRates as of November 5, 2026. Unity Bank auto loan rates are 9.50% APR for a 48 month auto loan, 8.125% APR for a 60 month auto loan and 8.50% APR for a 72 month auto loan.

How many branches does Unity Bank operate?

Unity Bank currently maintains approximately 22 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does Unity Bank offer online and mobile banking?

Most modern institutions like Unity Bank 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.unitybank.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 Unity Bank rates compare?

Unity Bank's top CD rate of 4.40% APY on an 18 month CD is 50% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. Unity Bank's top rates are its 18-Month CD Promo at 4.40% APY, its Consumer High Yield eSavings at 3.75% APY, its Money Market IRA at 0.15% APY, its Opportunity Checking at 0.05% APY, its Conforming 15 Year Fixed at 6.50% and its Personal Unsecured Loans up to 60 months at 16.00% APR, verified by MonitorBankRates on November 5, 2026.

Current Unity Bank Rates

12-Month CD0.10%
18-Month CD0.15%
24-Month CD0.15%
36-Month CD0.20%
48-Month CD0.25%
60-Month CD0.30%
Savings3.75%
MMA0.15%

Retrieved from our database of financial products. Rates subject to change.

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Unity Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Unity Bank Texas Ratio

Unity Bank Health Trend

Unity Bank CD Rates

Unity Bank Savings Rates

Unity Bank Business Savings Rates

Unity Bank Money Market Rates

Unity Bank Checking Rates

Unity Bank Mortgage Rates

Unity Bank Home Equity & HELOC

Unity Bank Auto Loan Rates

Unity Bank Personal Loan Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Unity Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Unity Bank

Does Unity Bank offer CDs?

Are CDs from Unity Bank FDIC insured?

What is the highest CD rate at Unity Bank?

What CD terms does Unity Bank offer?

What is the highest savings rate at Unity Bank?

What is the highest money market rate at Unity Bank?

What is the highest checking rate at Unity Bank?

What is the lowest 30 year fixed mortgage rate at Unity Bank?

What is the lowest auto loan rate at Unity Bank?

How many branches does Unity Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Unity Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Unity Bank rates compare?

Current Unity Bank Rates

Compare to Other Banks