Dedicated to Deposits: Deals, Data, and Discussion
UniBank for Savings1.15%$500-4 Year Statement CD Special
UniBank for Savings0.75%$500-2 Year UniStep CD +
Accounts mentioned in this post. Rates as of August 22, 2014

Top 4-Year CD Special at UniBank in MA - Local Only


UniBank for Savings

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-year CD and a 1.00% APY 1-year CD. On the plus side, these two shorter term CDs give you the option to step up to a higher rate once during the life of the account. These rates are listed in the bank's deposit rates page as of the morning of 3/14/2011.

As a comparison to CDs available nationwide, the best 4-year CD rate at a bank is 2.50% APY at OneWest Bank, and the best 4-year CD rate at a credit union is 2.55% APY at Fort Knox Federal Credit Union. These rates are accurate as of 3/14/2011.

At the top of UniBank's deposit rates page, there's a link to an online application. At the top of the first page of the application, it states:

We welcome all residents of Massachusetts, Rhode Island and Connecticut to apply.

Update 6/27/2011: This 4-year CD is a branch-only special, and requires that you reside in their market area. UniBank branches are located in south Worcester County, Massachusetts.

The bank has an overall health score at of 5 stars (out of 5) with a Texas Ratio of 6.81% (excellent) based on December 2010 data. Please refer to our financial overview of UniBank for Savings for more details. The bank has been a FDIC member since 1985 (FDIC Certificate # 90290).

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  Tags: UniBank for Savings, CD rates, Massachusetts, Connecticut, Rhode Island

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Comment #1 by Anonymous posted on
What's the point of including rates that are only available locally when most readers of this blog don't qualify? Keeping it for rates that are available nationwide would be focusing on most of the readers.

Comment #2 by Anonymous posted on
everybody from everywhere reads this blog.

Comment #3 by scottj posted on
While I do qualify for this I like seeing all specials even if I don't.  Gives you an Idea of whats out there and what you might expect to see become  available in your area. 

Comment #4 by GeorgeTA_Steele posted on
Even I read this blog, and I come from "Parts Unknown".  (Also, I can't hardly read!)