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| Account Title |
Min. to Open |
Balance |
APY* |
|
Prosperity Plus Checking
|
$100.00 |
$00.00 - $99.99 |
0.00% |
|
|
$100.00 |
$100.00 + up |
0.25% |
|
Opportunity Checking
|
$100.00 |
$0 - $1,999.99 |
0.00% |
|
|
$100.00 |
$2,000.00 - $3,999.99 |
0.15% |
|
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$100.00 |
$4,000.00 - $6,999.99 |
0.20% |
|
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$100.00 |
$7,000.00 + up |
0.25% |
|
Opportunity Money Market Account
|
$1.00 |
$0 - $1,999.99 |
0.00% |
|
|
$1.00 |
$2,000.00 - $9,999.99 |
0.25% |
|
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$1.00 |
$10,000.00 + up |
0.50% |
Rates are effective as of 7/22/2010
* 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 |
1.250% |
|
High Yield Savings
|
$100.00 |
$00.01 - $9,999.00 |
0.25% |
|
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$100.00 |
$10,000.00 + up |
0.75% |
|
Opportunity Savings
|
$100.00 |
$00.00 - $99.99 |
0.00% |
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$100.00 |
$100.00 - $3,999.99 |
0.15% |
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$100.00 |
$4000.00 - $6999.99 |
0.35% |
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$100.00 |
$7,000.00 + up |
0.50% |
|
Prosperity Savings
|
$25.00 |
$00.00 - $24.99 |
0.00% |
|
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$25.00 |
$25.00 + up |
0.15% |
|
Money Market IRA
|
$1,500.00 |
$00.00 - $99.99 |
0.00% |
|
|
$1,500.00 |
$100.00 - $4,999.99 |
0.15% |
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$1,500.00 |
$5,000.00 - $9,999.99 |
0.25% |
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$1,500.00 |
$10,000.00 - $24,999.99 |
0.25% |
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$1,500.00 |
$25,000.00 - $49,999.99 |
0.50% |
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$1,500.00 |
$50,000.00 + up |
0.65% |
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Fun Club (Auto Transfer)†
|
$1.00 |
$.01 - $50,000 |
0.25% |
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Fun Club
|
$1.00 |
$.01 - $50,000 |
0.15% |
|
Loyalty Business Savings (2)
|
$1.00 |
$.01 - $9,999.00 |
0.25% |
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$1.00 |
$10,000 - $49,999 |
0.50% |
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$1.00 |
$50,000 - $99,999 |
0.75% |
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$1.00 |
$100,000 + up |
1.00% |
|
Regular Savings
|
$1.00 |
$00.00 - $99.99 |
0.00% |
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$1.00 |
$100.00 + up |
0.15% |
Rates are effective as of 7/22/2010
* 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) = 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. Loyality 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.
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| Account Title |
Min. to Open |
APY* |
|
3 Month CD
|
$1,000. |
0.35% |
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6 Month CD
|
$1,000. |
0.50% |
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12 Month CD
|
$1,000. |
0.75% |
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24 Month CD
|
$1,000. |
1.25% |
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36 Month CD
|
$1,000. |
1.50% |
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48 Month CD
|
$1,000. |
2.00% |
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60 Month CD & Up
|
$1,000. |
2.50% |
|
CDARS 4 week CD
|
$100,000. |
0.15% |
|
CDARS 13 week CD
|
$100,000. |
0.15% |
|
CDARS 26 week CD
|
$100,000. |
0.25% |
|
CDARS 52 week CD
|
$100,000. |
0.50% |
|
CDARS 2 year CD
|
$100,000. |
1.00% |
|
CDARS 3 year CD
|
$100,000. |
1.25% |
Rates are effective as of 7/19/2010
* 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 |
|
15 Year Fixed
|
3.875% |
0 |
4.067% |
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3.750% |
1 pt |
4.063% |
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30 Year Fixed
|
4.375% |
0 |
4.399% |
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4.250% |
1 pt |
4.358% |
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15 Year Fixed Jumbo
|
5.375% |
0 |
5.392% |
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30 Year Fixed Jumbo
|
5.625% |
0 |
5.641% |
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15 Year Fixed Super/Conf
|
4.250% |
0 |
4.267% |
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30 Year Fixed Super/Conf
|
4.875% |
0 |
4.883% |
Rates are effective as of 7/28/2010
* Annual Percentage Rate
Rate and terms are subject to change. This is not an offer to extend credit as defined by Section 226.26 of Regulation Z. For informational purposes only.
APR is based on a down payment of 20% of the purchase price.
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 |
|
Home Equity Loan - 1st lien special*
|
15 |
5.500% |
|
|
30 |
5.750% |
|
Fixed Home Equity Loans
|
5 |
5.500% |
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10 |
5.750% |
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15 |
6.000% |
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20 |
6.250% |
|
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30 |
6.500% |
Revolving Equity Access Lines
(Monthly Interest Payments)
|
5 yrs draw |
prime +0 |
Revolving Equity Access Lines
(Monthly Principal and Interest Payments)
|
15 yrs draw |
prime +0 |
|
New Auto Loans (2010)
|
3 |
6.500% |
|
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5 |
6.750% |
|
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6 |
7.000% |
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Used Auto Loans (2009 to 2007)
|
3 |
7.750% |
|
|
5 |
8.250% |
|
Used Auto Loans (2006 to 2005)
|
4 |
8.500% |
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Personal Unsecured Loans
|
3 |
14.500% |
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4 |
14.500% |
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5 |
14.500% |
|
Current Wall Street Journal Prime
|
N/A |
3.25% |
Rates are effective as of 5/4/2010
* 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. Rates listed above are for owner occupied properties. .
HOME EQUITY LOANS:15 and 20 yr rates based on minimum loan amount of $25,000. 30 yr fixed rate based on minimum loan amount of $75,000, and up to 80% loan to value ratio.
REVOLVING EQUITY ACCESS LINES: Prime rate published in the Wall Street Journal. Minimum rate is 5% and Maximum rate cap is 18%. $150 recapture fee, if credit line is closed within 18 months.
REVOLVING EQUITY ACCESS LINES with 15 year draw period, principal and interest monthly payments has maximum LTV of 80%.
REVOLVING EQUITY ACCESS LINES with 5 year draw period, interest only monthly payments has maximum LTV of 70%.
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
* Home Equity Loan - 1st Lien Special
180 monthly payments of $8.17 per $1,000 borrowed, at 5.500%
360 monthly payments of $5.84 per $1,000 borrowed, at 5.750%
Annual Percentage Rate (APR) effective as of date of publication, and is subject to change. Minimum loan amount of $100,000, single family owner occupied residences in NJ and PA, no co-ops and no Unity loan refinancing. Homeowners insurance is required, flood insurance may be required and title insurance may be required on loans over $200,000. APR reflects 2 discounts total of 0.75 = 0.25 for automatic payment deduction from a Unity Bank checking or statement savings account + 0.50 bank relationship (maintain at least $5,000 in personal deposit relationship at Unity Bank otherwise rate will go up). Maximum Loan To Value (LTV) = 75%. Unity loan must be first lien position. Offer subject to restrictions, meeting Unity Bank's lending criteria and may be withdrawn any time. Other programs are available.
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