Unity Bank is an FDIC insured institution headquartered at
64 Old Highway 22, Clinton, NJ 08809.
Deposit Rates -
April 01, 2026
SAVINGS RATES
APY
MIN
Savings
0.05% $2,500
Compare
CD RATES
APY
MIN
6 Mo CD
0.25% $10,000
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6 Mo CD
0.25% $100,000
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12 Mo CD
0.25% $10,000
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12 Mo CD
0.25% $100,000
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24 Mo CD
0.60% $10,000
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24 Mo CD
0.60% $100,000
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36 Mo CD
0.80% $10,000
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36 Mo CD
0.80% $100,000
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48 Mo CD
0.90% $10,000
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48 Mo CD
0.90% $100,000
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60 Mo CD
1.00% $10,000
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60 Mo CD
1.00% $100,000
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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 -
April 01, 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
Branches
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