UniBank for Savings

Overview / Commentary
49 Church Street
Whitinsville, MA 01588

UniBank for Savings is headquartered in Whitinsville and is the 23rd largest bank in the state of Massachusetts. It is also the 470th largest bank in the nation. It was established in 1870 and as of June of 2019, it had grown to 294 employees at 14 locations. UniBank for Savings' money market rates are 82% higher than the national average, and it has a B+ health rating.

Related Posts

UniBank (MA/CT/RI) Offers 14-Month CD Special, 3.00% APY - 1/14/2019

UniBank has added a 14-month CD Special, earning 3.00% APY. $500 min/$1m max deposit and limited to one CD per member. Available online in MA, CT, and RI.

UniBank for Savings Boosts 8-Month CD Special - 12/7/2018

UniBank for Savings has raised the rate on its 8-month CD Special to 2.75% APY. Minimum opening deposit is $2.5k, with no stated balance cap.

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Reviews (2)

Reduced Maximum For Reward Checking

Posted by: BadDawg | Apr 1, 2016

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: artebee0 | Jul 5, 2016

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 - YTD0.75%
Return on Equity - YTD8.89%
Annual Interest Income$32.9MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.79B$1.80B
LoansQ2 2019vs Q2 2018$1.28B$1.23B
DepositsQ2 2019vs Q2 2018$1.62B$1.64B
Equity CapitalQ2 2019vs Q2 2018$156.0MM$138.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$12.2MM$12.1MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$6.7MM$1.8MM
Real Estate OwnedQ2 2019vs Q2 2018$765.00K$765.00K
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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

0.80%*$100k*-Perfect Sense Money Market Accounts
OTHER TIERS: 0.35% $10 - $2.5k | 0.40% $2.5k - $50k | 0.60% $50k - $100k
0.15%$10-Money Market Statement Accounts

UniBank for Savings Checking Account Rates

1.75%$10$15ke by UniBank Checking

UniBank for Savings CD Rates

2.00%$2.5k-8 Month CD
2.00%$2.5k-8 Month CD Special
2.00%$2.5k-Perfect Sense 8 Month CD
1.75%$500-2 Year CD
1.75%$500$1m14 Month CD Special
1.25%$500-3 Year CD
1.00%$500-3 Year UniStep CD
0.95%$500-2 Year UniStep CD
0.90%$500-1 Year CD
0.70%$500-1 Year UniStep CD
0.60%$2.5k-6 Month CD
0.25%$2.5k-91 Day CD

UniBank for Savings IRA Rates

1.75%$500-2 Year IRA
1.75%$500-5 Year IRA
1.50%$500-4 Year IRA
1.25%$500-3 Year IRA
0.90%$500-1 Year IRA


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