Unity Bank
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 - March 10, 2026
| 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 - March 10, 2026
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Jumbo
|
6.77% | $2,749.34 |
|
30 Year Fixed Jumbo
|
6.64% | $2,268.46 |
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Jumbo
|
6.77% | $2,749.34 |
|
30 Year Fixed Jumbo
|
6.64% | $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 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 33503 |
| Date Established | 1991 |
| Assets | $ 2.87 billion |
| Loans | $ 2.44 billion |
| Deposits | $ 2.27 billion |
| Capital | $ 334.83 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 203.36 million |
| Interest-bearing balances | $ 182.50 million |
| Total securities | $ 124.86 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 2.44 billion |
| Loan loss allowance | $ 30.25 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 2.12 million |
| All other assets | $ 62.10 million |
| Total Assets | $ 2.53 billion |
| LIABILITIES | |
| Total deposits | $ 2.27 billion |
| Interest-bearing deposits | $ 1,819.98 million |
| Deposits held in domestic offices | $ 2.27 billion |
| % insured (estimated)" | 56.32% |
| 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 | $ 2.53 billion |
| Shareholders’ Equity | $ 334.83 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 129.27 million |
| Total Interest Expense | $ 41.69 million |
| Net interest income | $ 87.58 million |
| Provision for loan and lease losses | $ 2.95 million |
| Total non interest income | $ 5.23 million |
| Total non interest expense | $ 39.24 million |
| Pre-tax Net Operating Income | $ 24.71 million |
Customer Reviews for Unity Bank
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