Featured Savings Rates
Featured Accounts

Unity Bank (NJ)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.25%5-year CD60 Month CD
0.15%SavingsOpportunity Savings
0.10%1-year CDCDARS 52 week CD

Overview / Commentary
800-618-2265
64 Old Highway 22
Clinton, NJ 08809

Unity Bank (NJ) is headquartered in Clinton and is the 20th largest bank in the state of New Jersey. It is also the 638th largest bank in the nation. It was established in 1991 and as of September of 2016, it had grown to 180 employees at 15 locations. Unity Bank (NJ)'s savings rates are 92% higher than the national average, and it has an A health rating.

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Reviews (1)

Security Issue

I recently opted for e-statement when I opened an E-savings account.

I was asked to click to a link in order to validate the process of e-statement.

As soon as I clicked to the link, I received an email from Unity Bank welcoming me to e-statement.

But, I was shocked to see my log in ID (which is OK) along with my full password in the welcoming email advising me to make a note of my log in ID and password info. I already know my log-in ID and password and a bank should not be telling me to make a note of it.

When I called and asked the customer service rep about it, she said Unity bank does not have my password yet I received the full password from them in the email.

It is my understanding that password should be encrypted and no bank and their employee should know/have my password.

I am very concerned about the passwords known to Unity Bank and I think it should be considered a serious security issue. I hope customers' accounts are safe.

Even when I changed the password, my concern remains open since the bank and their employees seem to know my full password.

I hope someone takes immediate action about this matter before Unity Bank customers accounts are compromised.



Health
A

Health Grade Components

Overall
FDIC Certificate #33503
Year Established1991
Employees180
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD14.31%
Annual Interest Income$35.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$1.15B$1.05B
LoansQ3 2016vs Q3 2015$939.7MM$843.1MM
DepositsQ3 2016vs Q3 2015$933.6MM$866.6MM
Equity CapitalQ3 2016vs Q3 2015$95.5MM$82.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$12.7MM$12.4MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$5.8MM$10.7MM
Real Estate OwnedQ3 2016vs Q3 2015$1.7MM$1.8MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Unity Bank (NJ) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$20k*-eSavings
OTHER TIERS: 0.75% $100 - $20k
0.15%--Loyalty Savings
0.15%*$100k*-Opportunity Savings
OTHER TIERS: 0.05% $100 - $20k | 0.10% $20k - $100k
0.10%-$50kFun Club (Auto Transfer)
0.10%*$100k*-Loyalty Business Savings
OTHER TIERS: 0.05% Up to $50k | 0.07% $50k - $100k
0.05%$25-Prosperity Savings
0.05%-$50kFun Club

Unity Bank (NJ) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Money Market IRA
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.10%*$10k*-Opportunity Money Market Account
OTHER TIERS: 0.05% $2k - $10k

Unity Bank (NJ) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$7k*-Opportunity Checking
OTHER TIERS: 0.05% $2k - $7k
0.05%$100-Prosperity Plus Checking
0.05%--Student Checking

Unity Bank (NJ) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-60 Month CD
1.25%$1k-45 Month CD Promo
1.25%$500-Minors 45 Month CD Promo
1.25%$500-Minors 60 Month CD
1.00%$1k-48 Month CD
1.00%$500-Minors 48 Month CD
0.80%$1k-36 Month CD
0.80%$500-Minors 36 Month CD
0.75%$100k-CDARS 3 year CD
0.60%$1k-24 Month CD
0.60%$500-Minors 24 Month CD
0.40%$1k-12 Month CD
0.40%$500-Minors 12 Month CD
0.25%$100k-CDARS 2 year CD
0.20%$1k-6 Month CD
0.20%$500-Minors 6 Month CD
0.15%$1k-3 Month CD
0.15%$500-Minors 3 Month CD
0.10%$100k-CDARS 4 week CD
0.10%$100k-CDARS 13 week CD
0.10%$100k-CDARS 26 week CD
0.10%$100k-CDARS 52 week CD

Unity Bank (NJ) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-60 Month IRA
1.25%$500-Minors 60 Month IRA
1.00%$1k-48 Month IRA
1.00%$500-Minors 48 Month IRA
0.80%$1k-36 Month IRA
0.80%$500-Minors 36 Month IRA
0.60%$1k-24 Month IRA
0.60%$500-Minors 24 Month IRA
0.40%$1k-12 Month IRA
0.40%$500-Minors 12 Month IRA
0.20%$1k-6 Month IRA
0.20%$500-Minors 6 Month IRA
0.15%$1k-3 Month IRA
0.15%$500-Minors 3 Month IRA
Locations

Unity Bank (NJ) has 16 locations. Click to view all Unity Bank (NJ) locations.