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Unity Bank (NJ)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 15th largest bank in the state of New Jersey. It is also the 460th largest bank in the nation. It was established in 1991 and as of March of 2025, it had grown to 227 employees at 21 locations. Unity Bank (NJ)'s savings rates are 7X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #33503
Year Established1991
Employees227
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.73%
Return on Equity - YTD15.45%
Annual Interest Income$41.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.76B$2.56B
LoansQ1 2025vs Q1 2024$2.32B$2.15B
DepositsQ1 2025vs Q1 2024$2.18B$1.96B
Equity CapitalQ1 2025vs Q1 2024$308.1MM$268.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$27.7MM$26.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$14.7MM$13.4MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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
3.75%*$150k*-Promotional eSavings
OTHER TIERS: 0.10% → $0 - $10k | 2.25% → $10k - $50k | 2.75% → $50k - $100k | 3.25% → $100k - $150k
3.00%*$1m*-Business High Yield eSavings Special - New Money
OTHER TIERS: 0.10% → $0 - $25k | 1.00% → $25k - $250k | 2.00% → $250k - $1m
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Prosperity Plus Checking
0.05%$2k-Opportunity Checking
0.05%$0-Student Checking

Unity Bank (NJ) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-15 Month CD Special
4.00%$1k-6 Month CD Special
4.00%$1k-Business 6 Month CD Special
4.00%$1k-Business 15 Month CD Special
4.00%$1k-11 Month CD Special
4.00%$1k-Business 11 Month CD Special
0.35%$1k-60+ Month CD
0.35%$500-Minors 60+ Month CD
0.30%$1k-48 - 59 Month CD
0.30%$500-Minors 48 - 59 Month CD
0.25%$1k-36 - 47 Month CD
0.25%$500-Minors 36 - 47 Month CD
0.20%$1k-24 - 29 Month CD
0.20%$500-Minors 24 - 29 Month CD
0.20%$1k-30 - 35 Month CD
0.20%$500-Minors 30 - 35 Month CD
0.15%$1k-12 - 17 Month CD
0.15%$500-Minors 12 - 17 Month CD
0.15%$1k-18 - 23 Month CD
0.15%$500-Minors 18 - 23 Month CD
0.10%$1k-6 - 11 Month CD
0.10%$500-Minors 6 - 11 Month CD
0.05%$1k-3 - 5 Month CD
0.05%$500-Minors 3 - 5 Month CD

Unity Bank (NJ) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-15 Month IRA Special
4.00%$1k-6 Month IRA Special
4.00%$1k-11 Month IRA Special
0.35%$1k-60 Month IRA
0.30%$1k-48 - 59 Month IRA
0.25%$1k-36 - 47 Month IRA
0.20%$1k-24 - 29 Month IRA
0.20%$1k-30 - 35 Month IRA
0.15%$1k-12 - 17 Month IRA
0.15%$1k-18 - 23 Month IRA
0.10%$1k-6 - 11 Month IRA
0.05%$1k-3 - 5 Month IRA
Locations

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