Unity Bank (NJ)
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.75% | 5-year CD | 60 Month CD 2.50% - Ally Bank High Yield 5 Year CD |
| 0.25% | 1-year CD | CDARS 52 week CD |
| 0.15% | Savings | Opportunity Savings |
Unity Bank (NJ) is headquartered in Clinton and is the 21st largest bank in the state of New Jersey. It is also the 547th largest bank in the nation. It was established in 1991 and as of December of 2017, it had grown to 199 employees at 18 locations. Unity Bank (NJ)'s savings rates are 3X the national average, and it has an A health rating.
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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.
Data as of Q4 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 33503 |
| Year Established | 1991 |
| Employees | 199 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.94% |
| Return on Equity - YTD | 10.25% |
| Annual Interest Income | $56.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2017vs Q4 2016 | $1.45B$1.19B |
| Loans | Q4 2017vs Q4 2016 | $1.16B$963.4MM |
| Deposits | Q4 2017vs Q4 2016 | $1.04B$946.7MM |
| Equity Capital | Q4 2017vs Q4 2016 | $123.2MM$112.8MM |
| Loan Loss Allowance | Q4 2017vs Q4 2016 | $13.6MM$12.6MM |
| Unbacked Noncurrent Loans | Q4 2017vs Q4 2016 | $3.1MM$7.2MM |
| Real Estate Owned | Q4 2017vs Q4 2016 | $426.00K$1.1MM |
This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.
Unity Bank (NJ) 36-Mo. CD, 3.00% APY, $10,000 Maximum
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
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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% | - | $50k | Fun Club (Auto Transfer) | ||
| 0.05% | $25 | - | Prosperity Savings | ||
| 0.05% | - | $50k | Fun Club | ||
Unity Bank (NJ) Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | $1k | $10k | 36 Month CD Special - New Money Only | |
| 2.50% | $1k | - | 50 Month CD Special | |
| 2.40% | $1k | - | 40 Month CD Special | |
| 2.25% | $1k | - | 30 Month CD Special | |
| 2.00% | $1k | $1m | 24 Month CD Special - New Money Only | |
| 2.00% | $1k | - | 20 Month CD Special | |
| 1.75% | $1k | - | 60 Month CD | |
| 1.50% | $1k | - | 48 Month CD | |
| 1.50% | $1k | - | 10 Month CD Special | |
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | $1k | - | 36 Month IRA Special - New Money Only | |
| 2.50% | $1k | - | 50 Month IRA Special | |
| 2.40% | $1k | - | 40 Month IRA Special | |
| 2.25% | $1k | - | 30 Month IRA Special | |
| 2.00% | $1k | $1m | 24 Month IRA Special - New Money Only | |
| 2.00% | $1k | - | 20 Month IRA Special | |
| 1.75% | $1k | - | 60 Month IRA | |
| 1.50% | $1k | - | 48 Month IRA | |
| 1.50% | $1k | - | 10 Month IRA Special | |
| 1.25% | $1k | - | 36 Month IRA | |
| 1.00% | $1k | - | 24 Month IRA | |
| 0.50% | $1k | - | 12 Month IRA | |
| 0.35% | $1k | - | 6 Month IRA | |
| 0.25% | $1k | - | 3 Month IRA |
