Unity Bank (NJ)

Overview / Commentary

www.unitybank.com

908-713-4580

64 Old Highway 22
Clinton, NJ 08809

Unity Bank (NJ) is headquartered in CLINTON and is the 15^th largest bank in the state of New Jersey. It is also the 468^th largest bank in the nation. It was established in 1991 and as of June of 2024, it had grown to 217 employees at 21 locations. Unity Bank (NJ) has an A+ health rating.

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2018

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

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Health

A+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	33503
Year Established	1991
Employees	217
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.47%
Return on Equity - YTD	14.14%
Annual Interest Income	$76.5MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$2.59B$2.54B
Loans	Q2 2024vs Q2 2023	$2.15B$2.14B
Deposits	Q2 2024vs Q2 2023	$2.01B$1.85B
Equity Capital	Q2 2024vs Q2 2023	$274.6MM$242.8MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$26.1MM$26MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$9.1MM$13MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$251K

Rates

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Savings
Money Market
Checking
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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

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$500k^*	-	eSavings
OTHER TIERS: 0.05% → $100 - $20k \| 0.10% → $20k - $250k \| 0.15% → $250k - $500k
0.10%^*	$20k^*	-	Opportunity Savings
OTHER TIERS: 0.05% → $100 - $20k
0.10%^*	$20k^*	-	Business Opportunity Savings
OTHER TIERS: 0.05% → $100 - $20k
0.05%	$25	-	Prosperity Savings
0.05%	$25	-	Business Prosperity Savings

Unity Bank (NJ) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$50k^*	-	Money Market IRA
OTHER TIERS: 0.05% → $100 - $10k \| 0.10% → $10k - $50k
0.15%^*	$50k^*	-	Business Money Market IRA
OTHER TIERS: 0.05% → $100 - $10k \| 0.10% → $10k - $50k
0.10%^*	$10k^*	-	Opportunity Money Market Account
OTHER TIERS: 0.05% → $2k - $10k

Unity Bank (NJ) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$500	-	Prosperity Plus Checking
0.05%	$2k	-	Opportunity Checking
0.05%	$0	-	Student Checking

Unity Bank (NJ) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$5k	-	6 Month CD Special
4.50%	$5k	-	Business 6 Month CD Special
4.00%	$5k	-	11 Month CD Special
4.00%	$5k	-	Business 11 Month CD Special
3.75%	$5k	-	15 Month CD Special
3.75%	$5k	-	Business 15 Month CD Special
0.35%	$1k	-	60+ Month CD
0.30%	$1k	-	48 - 59 Month CD
0.25%	$1k	-	36 - 47 Month CD
0.20%	$1k	-	24 - 29 Month CD
0.20%	$1k	-	30 - 35 Month CD
0.15%	$1k	-	12 - 17 Month CD
0.15%	$1k	-	18 - 23 Month CD
0.10%	$1k	-	6 - 11 Month CD
0.05%	$1k	-	3 - 5 Month CD

Unity Bank (NJ) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$5k	-	6 Month IRA Special
4.00%	$5k	-	11 Month IRA Special
3.75%	$5k	-	15 Month IRA Special

Locations

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