Unity Bank is an FDIC insured institution headquartered at
64 Old Highway 22, Clinton, NJ 08809.
It was founded in
1991 and has approximately $3 billion in
assets. Customers can open an account at one of its 18 branches.
Deposit Rates - October 8, 2024
SAVINGS RATES
APY
MIN
Savings
0.05%
$2,500
Compare
CD RATES
APY
MIN
6 Mo CD
0.25%
$10,000
Compare
6 Mo CD
0.25%
$100,000
Compare
12 Mo CD
0.25%
$10,000
Compare
12 Mo CD
0.25%
$100,000
Compare
24 Mo CD
0.60%
$10,000
Compare
24 Mo CD
0.60%
$100,000
Compare
36 Mo CD
0.80%
$10,000
Compare
36 Mo CD
0.80%
$100,000
Compare
48 Mo CD
0.90%
$10,000
Compare
48 Mo CD
0.90%
$100,000
Compare
60 Mo CD
1.00%
$10,000
Compare
60 Mo CD
1.00%
$100,000
Compare
MM RATES
APY
MIN
Money Market
0.05%
$2,500
Compare
Money Market
0.10%
$10,000
Compare
Money Market
0.15%
$25,000
Compare
INT CHECKING RATES
APY
MIN
Int Ckg
0.05%
$2,500
Loan Rates - October 8, 2024
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
15 Year Fixed Jumbo
6.98%
$2,749.34
30 Year Fixed Jumbo
6.61%
$2,268.46
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
15 Year Fixed Jumbo
6.98%
$2,749.34
30 Year Fixed Jumbo
6.61%
$2,268.46
AUTO LOAN RATES
APR(%)
MONTHLY PAYMENT
3 Year
7.50%
$777.66
4 Year
7.50%
$604.47
5 Year
7.50%
$500.95
Overview 2024
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 33503
Date Established
1991
Assets
$ 2.59 billion
Loans
$ 2.15 billion
Deposits
$ 2.01 billion
Capital
$ 274.60 million
Summary Balance Sheet as of March 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 197.09 million
Interest-bearing balances
$ 165.91 million
Total securities
$ 141.33 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 2.15 billion
Loan loss allowance
$ 26.11 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 2.30 million
All other assets
$ 62.10 million
Total Assets
$ 2.31 billion
LIABILITIES
Total deposits
$ 2.01 billion
Interest-bearing deposits
$ 1,588.83 million
Deposits held in domestic offices
$ 2.01 billion
% insured (estimated)
64.20%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 165.00 million
Subordinated debt
N.A.
All other liabilities
$ 22.37 millionn
Total Liabilities
$ 2.31 billion
Shareholders’ Equity
$ 274.60 million
Summary Income Statement as of March 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 76.51 million
Total Interest Expense
$ 28.35 million
Net interest income
$ 48.16 million
Provision for loan and lease losses
$ 1.57 million
Total non interest income
$ 3.03 million
Total non interest expense
$ 24.29 million
Pre-tax Net Operating Income
$ 24.71 million
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