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UniBank for Savings


ACH Number: 211372378

UniBank for Savings is an FDIC insured institution headquartered at 49 Church St, Whitinsville, MA 01588.
It was founded in 1870 and has approximately $3 billion in assets. Customers can open an account at one of its 14 branches.

Deposit Rates - July 22, 2026

SAVINGS RATES APY MIN
SAV
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.50% $2,500 Compare
8 Mo CD
3.85% $2,500 Compare
12 Mo CD
1.00% $500 Compare
14 Mo CD
3.70% $500 Compare
24 Mo CD
1.25% $501 Compare
36 Mo CD
3.25% $500 Compare
36 Mo CD
1.25% $501 Compare
60 Mo CD
1.75% $500 Compare
MM RATES APY MIN
Money Market
0.10% $10 Compare
Money Market
0.35% $2,500 Compare
Money Market
0.75% $50,000 Compare
Money Market
1.25% $100,000 Compare
FIXED IRA RATES APY MIN
6 Mo FIRA
3.85% $500
12 Mo FIRA
1.00% $500
20 Mo FIRA
4.25% $500
24 Mo FIRA
1.25% $500
36 Mo FIRA
1.35% $500
48 Mo FIRA 0.5k
1.50% $500
60 Mo FIRA
1.75% $500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 90290
Date Established 1870
Assets $ 2.74 billion
Loans $ 2.10 billion
Deposits $ 2.14 billion
Capital $ 220.67 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 40.15 million
Interest-bearing balances $ 29.82 million
Total securities $ 512.23 million
Federal funds sold and reverse repurchase $ 0.05 million
Net loans and leases $ 2.10 billion
Loan loss allowance $ 29.14 million
Trading account assets $ 1.95 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.06 million
All other assets $ 49.61 million
     Total Assets $ 2.51 billion

LIABILITIES
Total deposits $ 2.14 billion
      Interest-bearing deposits $ 1,847.69 million
      Deposits held in domestic offices $ 2.14 billion
      % insured (estimated)" 68.08%
Federal funds purchased and repurchase agreements $ 256.29 million
Trading liabilities $ 1.95 million
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 28.99 millionn
      Total Liabilities $ 2.51 billion
      Shareholders’ Equity $ 220.67 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 122.15 million
Total Interest Expense $ 43.82 million
Net interest income $ 78.34 million
Provision for loan and lease losses $ 4.23 million
Total non interest income $ 15.57 million
Total non interest expense $ 59.10 million
Pre-tax Net Operating Income $ 12.11 million

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UniBank for Savings Locations

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