UniBank for Savings

49 Church Street
Whitinsville, MA 1588
1-800-578-4270
www.unibank.com

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UniBank for Savings is headquartered in Whitinsville and is the 22^nd largest bank in the state of Massachusetts. It is also the 525^th largest bank in the nation. It was established in 1870 and as of March of 2012, it had grown to 186 employees at 8 locations. UniBank for Savings has a 5-star health rating.

UniBank for Savings Routing Number: 211372378

New Reward Checking Account at UniBank for Savings in MA, CT & RI - 4/10/2012

Most reward checking accounts are free checking accounts. You don't have to worry about a monthly maintenance fee even if you don't meet the monthly debit card requirements. However, there are a few r ...

Top 4-Year CD Rate at UniBank in Massachusetts - Local Only - 6/27/2011

UniBank is again offering a very competitive 4-year CD. It has a 3.00% APY with a maximum deposit of $250,000. The rate is subject to change at anytime. It's listed at the bank's rates page as of 6/27 ...

Top 4-Year CD Rate Still Available At UniBank For MA, CT & RI (Forum) - 6/26/2011

I just noticed this CD special advertised in a Boston newspaper this morning. It has a very competitive rate of 3.00% APY for a 4-year term. This is still listed on the bank's rates page as of 6/26/2011 (click on details link). I first reported on this

Top 4-Year CD Special at UniBank in MA - Local Only - 3/14/2011

UniBank is offering a very competitive rate of 3.00% APY on a 4-year CD special. Minimum deposit is $500. The CD specials with shorter terms are not nearly as competitive. These include a 1.50% APY 2- ...

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See Rates for: Checking | Money Market | CD | IRA

UniBank for Savings Checking Account Rates

	Apy	Min	Max	Product
	2.75%	$250	$25k	eChecking

UniBank for Savings Money Market Rates

Apy	Min	Max	Product
1.00%	$100k	-	Perfect Sense Money Market
0.25%	$2,500	-	Money Market Statement

UniBank for Savings CD Rates

Apy	Min	Max	Product
1.50%	$500	-	4 Year Statement CD Special
1.25%	$500	-	3 Year CD
1.25%	$500	-	3 Year UniStep CD +
1.00%	$500	-	2 Year CD
1.00%	$500	-	2 Year UniStep CD +
0.65%	$500	-	1 Year CD
0.65%	$500	-	1 Year UniStep CD +
0.50%	$2,500	-	Perfect Sense 8 Month CD
0.40%	$2,500	-	6 Month Certificate
0.35%	$2,500	-	8 Month CD
0.25%	$2,500	-	91 Day Certificate

UniBank for Savings IRA Rates

Apy	Min	Max	Product
1.65%	$500	-	3 Year IRA
1.25%	$500	-	2 Year IRA
1.00%	$500	-	1 Year IRA
1.00%	$500	-	20 Month IRA
1.00%	$500	-	20 Month IRA Special

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

UniBank for Savings
FDIC Certificate #	90290
BankRate Report	View
Year Established	1870
Employees	186
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.27 billion
Loans	$648.36 million
Deposits	$1.17 billion
Equity Capital	$91.61 million
Loan Loss Allowance	$5.85 million
Unbacked Noncurrent Loans	$4.68 million
Historic Data - March 2011
Assets	$1.13 billion
Equity Capital	$82.81 million
Loan Loss Allowance	$5.09 million
Unbacked Noncurrent Loans	$5.02 million
Real Estate Owned	$164,000
Profit Margin - Quarterly
Net Interest Margin	3.06%
Return on Assets	0.73%
Return on Equity	10.09%
Interest Income	$10.63 million

Institution Health

Overall Score:

5 out of 5

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 March 31, 2012 UniBank for Savings had $4.68 million in non-current loans and owned real-estate with $97.46 million in equity and loan loss allowances on hand to cover it. This gives UniBank for Savings a Texas Ratio of 4.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for UniBank for Savings decreased slightly from 5.90% as of March 31, 2011 to 4.81% as of March 31, 2012, resulting in a positive change of 18.50%.This indicates that the balance sheet and financial strength for UniBank for Savings has improved slightly in recent periods.
Deposit Growth
In the past year, UniBank for Savings has increased its total deposits by $127.99 million, resulting in 12.33% 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 UniBank for Savings has shown is excellent.
Capitalization
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. UniBank for Savings has $1.27 billion in assets with $97.46 million in equity, resulting in a capitalization level of 7.68%, which is below average.