Banks | OneUnited Bank
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OneUnited Bank


ACH Number: 11001276

OneUnited Bank is an FDIC insured institution headquartered at 185 Devonshire St, Boston, MA 02110.
It was founded in 1982 and has approximately $1 billion in assets. Customers can open an account at one of its 8 branches.

Deposit Rates - July 09, 2026

SAVINGS RATES APY MIN
SAV
0.20% $200 Compare
SAV
0.40% $201 Compare
SAV
0.30% $25,000 Compare
CD RATES APY MIN
3 Mo CD
0.10% $1,000 Compare
9 Mo CD
0.15% $1,000 Compare
15 Mo CD
1.30% $1,000 Compare
15 Mo CD
1.30% $250,000 Compare
24 Mo CD
0.30% $1,000 Compare
30 Mo CD
0.30% $250,000 Compare
36 Mo CD
0.30% $1,000 Compare
42 Mo CD
0.30% $250,000 Compare
MM RATES APY MIN
Money Market
0.05% $500 Compare
Money Market
0.10% $25,000 Compare
Money Market
0.15% $75,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.10% $100




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 23966
Date Established 1982
Assets $ 761.72 million
Loans $ 401.58 million
Deposits $ 516.96 million
Capital $ 62.70 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 176.82 million
Interest-bearing balances $ 175.27 million
Total securities $ 148.55 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 401.58 million
Loan loss allowance $ 1.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.00 million
All other assets $ 20.27 million
     Total Assets $ 699.03 million

LIABILITIES
Total deposits $ 516.96 million
      Interest-bearing deposits $ 445.51 million
      Deposits held in domestic offices $ 516.96 million
      % insured (estimated)" 87.37%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 85.45 million
Subordinated debt N.A.
All other liabilities $ 2.16 millionn
      Total Liabilities $ 699.03 million
      Shareholders’ Equity $ 62.70 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 23.95 million
Total Interest Expense $ 9.53 million
Net interest income $ 14.42 million
Provision for loan and lease losses $ 0.00 million
Total non interest income $ 13.90 million
Total non interest expense $ 28.30 million
Pre-tax Net Operating Income $ 0.52 million

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