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Current Rates


Account Title Min. to Open Balance APY*
Prosperity Plus Checking $100.00 $00.00 - $99.99 0.00%
$100.00 $100.00 + up 0.10%
Opportunity Checking $100.00 $0 - $1,999.99 0.00%
$100.00 $2,000.00 - $3,999.99 0.05%
$100.00 $4,000.00 - $6,999.99 0.10%
$100.00 $7,000.00 + up 0.15%
Opportunity Money Market Account $1.00 $0 - $1,999.99 0.00%
$1.00 $2,000.00 - $9,999.99 0.10%
$1.00 $10,000.00 + up 0.15%
Student Checking $1.00 no minimum 0.10%

Rates are effective as of 2/26/2014
* Annual Percentage Yield
Rates, terms, and conditions are subject to change without notice. Rates on this page will not be honored at any time after a rate change. Fees may reduce earnings on the account.
Account Title Min. to Open Balance APY*
Loyalty Savings (1) $1 no minimum 0.25%
Opportunity Savings $100.00 $00.01 - $99.99 0.00%
$100.00 $100.00 - $19,999.99 0.05%
$100.00 $20,000.00 - $99,999.99 0.10%
$100.00 $100,000.00 + up 0.25%
Prosperity Savings $25.00 $00.00 - $24.99 0.00%
$25.00 $25.00 + up 0.05%
Money Market IRA $1,500.00 $00.00 - $99.99 0.00%
$1,500.00 $100.00 - $4,999.99 0.05%
$1,500.00 $5,000.00 - $9,999.99 0.10%
$1,500.00 $10,000.00 - $24,999.99 0.15%
$1,500.00 $25,000.00 - $49,999.99 0.20%
$1,500.00 $50,000.00 + up 0.25%
Fun Club (Auto Transfer)† $1.00 $.01 - $50,000 0.10%
Fun Club $1.00 $.01 - $50,000 0.05%
Loyalty Business Savings (2) $1.00 $.01 - $9,999.00 0.05%
$1.00 $10,000 - $49,999 0.10%
$1.00 $50,000 - $99,999 0.20%
$1.00 $100,000 + up 0.25%

Rates are effective as of 2/26/2014
* Annual Percentage Yield
Rates, terms, and conditions are subject to change without notice. Rates on this page will not be honored at any time after a rate changes. Fees may reduce earnings on the account. + Fun club auto transfer must be from Unity checking or saving account.
Loyalty Savings (1) = Enjoy a high rate of savings simply by maintaining an active checking account. An active checking account is defined as 3 transactions per month. Qualifying transactions include direct deposit, third party payments, debit card purchases, and bill pay. Payments to account holder and transfers do not qualify. Account will default to Regular Savings if checking account becomes inactive. Personal accounts only. $500,000 maximum. Enrollment for eStatements is required to avoid $10 paper statement charge. Rates are subject to change daily with no notice. Offer may be withdrawn at any time.
Loyalty Business Savings (2)NO MONTHLY FEES. Active Unity Bank business checking account in same name as business required. Business accounts only: Check Casher's, MSB's & sole proprietorships not eligible. Statement cycle must be month end, must be combined statement & e-statements will be mandatory when available. Checking account must carry online business banking & business CheckCard. If account requirements are not met, rates will reduce automatically to rate paid on Regular Statement Savings Account on the cycle date of the Loyalty Business Savings. Rates are subject to change daily with no notice. Offer may be withdrawn at any time.
Account Title Min. to Open APY*
visit unitybank.com/SummerCDSpecial for current special $1000 .
3 Month CD $1,000. 0.15%
6 Month CD $1,000. 0.20%
12 Month CD $1,000. 0.40%
24 Month CD $1,000. 0.60%
36 Month CD $1,000. 0.80%
48 Month CD $1,000. 1.00%
60 Month CD & Up $1,000. 1.25%
CDARS 4 week CD $100,000. 0.10%
CDARS 13 week CD $100,000. 0.10%
CDARS 26 week CD $100,000. 0.10%
CDARS 52 week CD $100,000. 0.10%
CDARS 2 year CD $100,000. 0.25%
CDARS 3 year CD $100,000. 0.75%

Rates are effective as of 2/26/2014
* Annual Percentage Yield
Rates, terms, and conditions are subject to change without notice. Rates on this page will not be honored at any time after a rate change. Fees may reduce earnings on the account. If you withdraw a portion or all of the principal before the maturity date, you will be charged a penalty for early withdrawal.
Account Title Rate Point APR For every $1000 borrowed, payment of principal & interest=
Conforming 15 Year Fixed 3.250% 0 3.297% $7.04
Conforming 30 Year Fixed 4.125% 0 4.152% $4.86
30 Year Fixed Jumbo 4.000% 0 4.014% $4.78
15 Year Fixed Super/Conforming 3.500% 0 3.525% $7.16
30 Year Fixed Super/Conforming 4.250% 0 4.264% $4.92

Rates are effective as of 8/27/2014
* Annual Percentage Rate
Rate and terms are subject to change. This is not an offer to extend credit and is for informational purposes only.

APR is based on a $250,000 loan amount or a $475,000 loan amount for Super Conforming and Jumbo. Rates are based on 30% equity,720 or better credit score and a single family owner occupied residence. Adjustable Rate mortgages are calculated based upon a 30 year amortization.

Rates, terms, and conditions are subject to change without notice. Rates on this page will not be honored at any time after a rate change.


Account Title Terms APR
Fixed Home Equity Loans 5 3.990%
10 4.600%
15 4.750%
20 5.000%
30 5.500%
Revolving Equity Access Lines (Principal and Interest) 15 prime + 0
New Auto Loans (2014) 5 4.350%
6 5.350%
Used Auto Loans (2011 to 2013) 5 5.350%
Used Auto Loans (2009 to 2010) 4 6.850%
Personal Unsecured Loans 5 14.500%
Current Wall Street Journal Prime N/A 3.25%

Rates are effective as of 7/8/2014
* Annual Percentage Rate
PREFERRED RATE REDUCTION: All rates listed above include 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank. Interest Rates are subject change without notice.

HOME EQUITY LOANS & REVOLVING EQUITY ACCESS LINES: Loan amounts from $10,000 to $500,000, maximum LTV of 80%. Rates listed above are for single family owner occupied residences in NJ and PA. Homeowners insurance is required, Flood insurance may be required and Title insurance may be required on loans over $200,000.

HOME EQUITY LOANS: For 15 to 30 year terms, rates are based on minimum loan amount of $25,000 or more. 180 monthly payments of $7.91 per $1,000 borrowed, at 5.000%, 360 monthly payments of $5.68 per $1,000 borrowed, at 5.500%.

REVOLVING EQUITY ACCESS LINES: Prime rate published in the Wall Street Journal. Minimum rate is 4% and Maximum rate cap is 18%. $150 recapture fee, if credit line is closed within 18 months.

NEW AUTO LOANS: Minimum loan amount of $10,000 and must pay 10% down payment from purchase price (excluding taxes, registration etc.).

USED AUTO LOANS: Minimum loan amount of $5,000 and loan based on wholesale value from NADA book. For other terms and products, please contact Unity Bank Customer Service Center at 1-800-618-2265

Annual Percentage Rate (APR) effective as of date of publication, and is subject to change.

Minimum loan term is 12 months for all types of loans
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