Overview / Commentary
908-713-4580
64 Old Highway 22
Clinton, NJ 08809

Unity Bank (NJ) is headquartered in Clinton and is the 19th largest bank in the state of New Jersey. It is also the 530th largest bank in the nation. It was established in 1991 and as of September of 2018, it had grown to 195 employees at 19 locations. Unity Bank (NJ)'s savings rates are 3X the national average, and it has an A health rating.

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Unity Bank (NJ) 36-Mo. CD, 3.00% APY, $10,000 Maximum - 2/26/2018

minimum $1000 fine print: "Offer applicable for new monies only, funds not held at Unity Bank in the past 90 days. 36-month Promo CD maximum deposit $10,000. Limit of one offer per customer. Available for consumer, business, and IRA/Retirement CDs. CD Promo Offer begins 11/22/17 and can be withdrawn at any time." https://www.unitybank.com/rates/cds

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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

Health Grade Components

Overall
FDIC Certificate #33503
Year Established1991
Employees195
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD15.87%
Annual Interest Income$50.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1.55B$1.33B
LoansQ3 2018vs Q3 2017$1.27B$1.08B
DepositsQ3 2018vs Q3 2017$1.22B$1.04B
Equity CapitalQ3 2018vs Q3 2017$137.0MM$121.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$15.0MM$13.1MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$6.7MM$6.0MM
Real Estate OwnedQ3 2018vs Q3 2017$56.00K$707.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Unity Bank (NJ); 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.

Unity Bank (NJ) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%*$500k*-eSavings
OTHER TIERS: 0.75% $100 - $20k | 1.00% $20k - $100k | 1.25% $100k - $250k | 1.40% $250k - $500k
0.15%*$100k*-Opportunity Savings
OTHER TIERS: 0.05% $100 - $20k | 0.10% $20k - $100k
0.15%*$100k*-Loyalty Business Savings
OTHER TIERS: 0.05% Up to $10k | 0.07% $10k - $50k | 0.10% $50k - $100k
0.10%-$50kFun Club (Auto Transfer)
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
2.80%$1k-25 Month CD Promo
2.80%$1k-Business 25 Month CD Promo
2.60%$1k-19 Month CD Promo
2.60%$1k-Business 19 Month CD Promo
2.40%$1k-13 Month CD Promo
2.40%$1k-Business 13 Month CD Promo
1.75%$1k-60 Month CD
1.50%$1k-48 Month CD
1.25%$1k-36 Month CD
1.00%$1k-24 Month CD
1.00%$100k-CDARS 3 year CD
0.75%$100k-CDARS 2 year CD
0.50%$1k-12 Month CD
0.35%$1k-6 Month CD
0.25%$1k-3 Month CD
0.25%$100k-CDARS 52 week CD
0.10%$100k-CDARS 4 week CD
0.10%$100k-CDARS 13 week CD
0.10%$100k-CDARS 26 week CD

Unity Bank (NJ) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.80%$1k-25 Month IRA Promo
2.60%$1k-19 Month IRA Promo
2.40%$1k-13 Month IRA Promo
1.75%$1k-60 Month IRA
1.50%$1k-48 Month IRA
1.25%$1k-36 Month IRA
0.50%$1k-12 Month IRA
0.35%$1k-6 Month IRA
0.25%$1k-3 Month IRA
Locations

Availability



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