Unity Bank (NJ)

Overview / Commentary
64 Old Highway 22
Clinton, NJ 08809

Unity Bank (NJ) is headquartered in CLINTON and is the 16th largest bank in the state of New Jersey. It is also the 466th largest bank in the nation. It was established in 1991 and as of March of 2023, it had grown to 227 employees at 20 locations. Unity Bank (NJ) has a B+ health rating.

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 Grade Components

FDIC Certificate #33503
Year Established1991
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.68%
Return on Equity - YTD17.37%
Annual Interest Income$33.7MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$2.46B$2.06B
LoansQ1 2023vs Q1 2022$2.11B$1.68B
DepositsQ1 2023vs Q1 2022$1.82B$1.77B
Equity CapitalQ1 2023vs Q1 2022$239.1MM$213.1MM
Loan Loss AllowanceQ1 2023vs Q1 2022$26.2MM$22.2MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$10.4MM$9.8MM
Real Estate OwnedQ1 2023vs Q1 2022$176.00K$0
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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

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

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

0.05%$100-Prosperity Plus Checking
0.05%$2k-Opportunity Checking
0.05%--Student Checking

Unity Bank (NJ) CD Rates

5.00%$1k-11 Month CD Special - Branch Only
5.00%$1k-Business 11 Month CD Special - Branch Only
0.35%$1k-60 Month CD
0.30%$1k-48 Month CD
0.25%$1k-36 Month CD
0.20%$1k-24 Month CD
0.15%$1k-12 Month CD
0.10%$1k-6 Month CD
0.05%$1k-3 Month CD

Unity Bank (NJ) IRA Rates

5.00%$1k-11 Month IRA Special - Branch Only


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