UniBank for Savings

Overview / Commentary
49 Church Street
Whitinsville, MA 01588

UniBank for Savings is headquartered in Whitinsville and is the 22nd largest bank in the state of Massachusetts. It is also the 441st largest bank in the nation. It was established in 1870 and as of September of 2021, it had grown to 263 employees at 14 locations. UniBank for Savings has an A health rating.

Reviews (2)

Reduced Maximum For Reward Checking

Posted by: |

Unibank is capable, no issues with service. Never did set foot in a branch, set account up online and used debit card, mobile app and customer service phone line when necessary.

Closing account because as of 4/1/2016 they are reducing the maximum balance for reward checking account from $25,000 to $15,000.

Hopefully I have the same good luck with Randolph Savings Bank. Better reward rate, lower (waived) monthly service fee of $10 vs $35 for Unibank, and maximum balance for reward checking is $25,000.

Grest Customer Service, Stupid Anti Customer Policies

Posted by: |

I've been very happy with Unibank's Reward Checking until they dropped the limit on each of our two accounts from $25K to $15K which makes Randolph bank where I also have 2 accounts much more desirable. At the end of June I transferred the $15K from one acct to the other as I was considering whether or not to put our $30K elsewhere. I accidentally charged $0.04 using the wrong debit; I immediately transferred $15K back to that acct but, because the acct was negative by 4 cents for an hour or so, I not only lost my expected $28 in interest for June, but also I was assessed a $35 fine.
Yes, the $63 loss on a technicality was my mistake, but the outstanding customer service I have experienced over several years could not override extremely ridged & in my opinion stupid policies, I closed both accts today.


Health Grade Components

FDIC Certificate #90290
Year Established1870
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD4.42%
Annual Interest Income$43.7MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$2.57B$2.10B
LoansQ3 2021vs Q3 2020$1.46B$1.43B
DepositsQ3 2021vs Q3 2020$2.05B$1.89B
Equity CapitalQ3 2021vs Q3 2020$186.2MM$181.4MM
Loan Loss AllowanceQ3 2021vs Q3 2020$18.1MM$18.6MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$6.1MM$13.7MM
Real Estate OwnedQ3 2021vs Q3 2020$4.7MM$5.0MM
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Always verify rates and promotions with the bank or credit union. We are not UniBank for Savings; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

UniBank for Savings Money Market Rates

0.20%*$100k*-Tiered Money Market Account
OTHER TIERS: 0.05% $10 - $2.5k | 0.10% $2.5k - $50k | 0.15% $50k - $100k
0.15%$10-Money Market Statement Accounts

UniBank for Savings Checking Account Rates

0.50%*$10$15ke by UniBank Checking
OTHER TIERS: 0.20% $15k+

UniBank for Savings CD Rates

0.35%$2.5k-8 Month CD
0.35%$2.5k-8 Month CD Special
0.30%$500$1m14 Month CD Special
0.15%$2.5k-6 Month CD
0.15%$500-1 Year CD
0.10%$500-2 Year CD
0.10%$500-3 Year CD
0.10%$500-1 Year UniStep CD
0.10%$500-3 Year UniStep CD
0.05%$2.5k-91 Day CD
0.05%$500-2 Year UniStep CD

UniBank for Savings IRA Rates

0.15%$500-1 Year IRA
0.10%$500-2 Year IRA
0.10%$500-3 Year IRA
0.05%$500-4 Year IRA
0.05%$500-5 Year IRA


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