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100 Franklin St
Boston, MA 02110

When you join OneUnited Bank, you join thousands of families, organizations, and business owners acroos the country that are committed to the development of urban communities just like yours. They look forward to serving your needs. Your business and support are the keys to their success.

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Reviews (1)

Bad Business

This Bank will Rob you of money.  They will change the account structure without contacting you and deduct your money stating the account has changed.  Try calliing them and you get the run-around.  When you finally get someone to help you, then you get the bad news.... 


What can you do about it now, there is no local branch to go visit...  Your money gone.  I suggest you avoid this money trapp all together.  Easy to get your money hard as heck to get it out.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 OneUnited Bank had $13.67 million in non-current loans and owned real-estate with $44.62 million in equity and loan loss allowances on hand to cover it. This gives OneUnited Bank a Texas Ratio of 30.63% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for OneUnited Bank experienced no significant changes from 29.06% as of December 31, 2012 to 30.63% as of December 31, 2013, resulting in a negative change of 5.40%. This indicates that the balance sheet and financial strength for OneUnited Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, OneUnited Bank has increased its total deposits by $8.29 million, resulting in 2.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth OneUnited Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. OneUnited Bank has $616.37 million in assets with $44.62 million in equity, resulting in a capitalization level of 7.24%, which is below average.

Institution Statistics

FDIC Certificate #23966
Year Established1982
Primary RegulatorFDIC
Assets and Liabilities
Assets$616.37 million
Loans$365.66 million
Deposits$351.33 million
Equity Capital$41.07 million
Loan Loss Allowance$3.55 million
Unbacked Noncurrent Loans$12.89 million
Real Estate Owned$777,000
Historic Data - December 2012
Assets$601.78 million
Equity Capital$47.56 million
Loan Loss Allowance$3.39 million
Unbacked Noncurrent Loans$12.89 million
Real Estate Owned$1.87 million
Profit Margin - Quarterly
Net Interest Margin2.43%
Return on Assets0.28%
Return on Equity3.91%
Interest Income$24.70 million

Always verify rates and promotions with the bank or credit union. We are not OneUnited Bank, we are a rate comparison website and can not provide official rates or promotions.

OneUnited Bank Savings Account Rates

0.20%$50-U2 Savings
0.05%--UNITY Youth Savings
0.05%$100-UNITY Savings
0.05%$1k-UNITY Choice Savings
0.05%$100-UNITY Plus Savings

OneUnited Bank Money Market Rates

0.65%$25k-UNITY Gold E-Money Market
0.20%$25k-UNITY Money Market
0.05%$1k-UNITY Choice Money Market

OneUnited Bank Checking Account Rates

0.40%$25k-UNITY Gold Checking
0.05%$100-UNITY Business Checking
0.05%$100-UNITY Non Profit Checking

OneUnited Bank CD Rates

1.25%$1k-UNITY Gold 4 Year E-CD
1.15%$1k-UNITY 4 Year CD
1.05%$1k-UNITY 3 Year CD
1.05%$1k-UNITY Gold 2 Year E-CD
1.00%$1k-UNITY 2 Year CD
0.90%$1k-UNITY Gold 1 Year E-CD
0.55%$1k-UNITY 18 Month CD
0.55%$1k-UNITY 270 Day CD
0.20%$1k-UNITY 90 Day CD
0.20%$1k-UNITY Gold 120 Day E-CD

OneUnited Bank IRA Rates

1.15%$1k-UNITY 4 Year IRA CD
1.05%$1k-UNITY 3 Year IRA CD
1.00%$1k-UNITY 2 Year IRA CD
0.55%$1k-UNITY 270 Day IRA CD
0.20%$1k-UNITY 90 Day IRA CD

OneUnited Bank Locations
Oneunited Bank100 Franklin StBoston, MA 2110
Pasadena Branch1335 North Lake StPasadena, CA 91104
E. Compton Blvd Branch205 E. Compton BoulevardCompton, CA 90221
Roxbury Branch2343 Washington StreetBoston, MA 2108
79th Street Branch3275 N.W. 79th StreetMiami, FL 33147
Crenshaw Branch3683 Crenshaw BoulevardLos Angeles, CA 90016
Crenshaw and Baldwin Hill Branch4143 Crenshaw BoulevardLos Angeles, CA 90008
Grove Hall Branch648 Warren StreetDorchester, MA 2121
Ladera Heights Branch6810 LA Tijera BoulevardLos Angeles, CA 90045