Account Title Min. to Open APY*
3 Month CD $1,000.00 0.25%
6 Month CD $1,000.00 0.25%
12 Month CD $1,000.00 0.25%
24 Month CD $1,000.00 0.60%
36 Month CD $1,000.00 0.80%
48 Month CD $1,000.00 0.90%
60 Month CD & Up $1,000.00 1.00%
CDARS 4 week CD $100,000.00 0.10%
CDARS 13 week CD $100,000.00 0.10%
CDARS 26 week CD $100,000.00 0.10%
CDARS 52 week CD $100,000.00 0.25%
CDARS 2 year CD $100,000.00 0.75%
CDARS 3 year CD $100,000.00 1.00%

Rates effective as of 5/25/2020 7:09:56 PM

*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. Principal may be reduced by penalty amounts. 

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

Rates effective as of 2/12/2019 10:07:40 AM

*Annual Percentage Yield

**Account has minimum balance requirements to avoid service charge. See full details here 

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 Terms
Years
APR*
Revolving Equity Access Lines (Principal and Interest) 15 prime + .25
Fixed Home Equity Loans 5 4.500%
  10 4.750%
  15 5.000%
New Auto Loans (2020)       12-60 months 5 4.750%
                                                 60-72 months 6 5.600%
Used Auto Loans (2017 to 2019)    12-60 months 5 5.750%
Used Auto Loans (2015 to 2016)    12-48 months 4 7.100%
Personal Unsecured Loans   up to 60 months 5 14.750%
Current Wall Street Journal Prime N/A 3.250%

Rates effective as of 7/16/2020 8:36:03 AM

* Annual Percentage Rate

PREFERRED RATE REDUCTION: All rates listed above are eligible for a 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 75% and minimum credit score of 660.  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 max term 15 years 180 monthly payments of $8.11 per $1,000 borrowed, at 5.375%

REVOLVING EQUITY ACCESS LINES: Prime rate published in the Wall Street Journal. Minimum rate is 4.50% and Maximum rate cap is 18%. $150 retirement 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

Account Title Rate Points APR* For every $1,000 borrowed, payment of principal & interest =
Conforming 15 Year Fixed 2.750% 0 2.8112% $6.81
Conforming 30 Year Fixed 3.000% 0 3.034% $4.23
15 Year Fixed Super/Conforming 3.375% 0 3.403% $7.10
30 Year Fixed Super/Conforming 3.500% 0 3.516% $4.50
         

Rates effective as of 7/30/2020 11:15:43 AM

* 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 $550,000 loan amount for Super Conforming and Jumbo. APR for FHA includes upfront and monthly mortgage insurance premiums. Conforming rates are based on a purchase transaction, 30% equity,740 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 Min. to Open Balance APY*
eSavings $100.00 $00.01 - $99.99 0.00%
  $100.00 $100 - $19,999.99 0.05%
  $100.00 $20,000 - $99,999.99 0.10%
  $100.00 $100,000 - $249,999.99 0.25%
  $100.00 $250,000 - $499,999.99 0.50%
  $100.00 $500,000 + up 0.50%
Opportunity Savings $100.00 $00.01 - $99.99 0.00%
  $100.00 $100 - $19,999.99 0.05%
  $100.00 $20,000 - $99,999.99 0.10%
  $100.00 $100,000 + up 0.15%
Prosperity Savings $25.00 $00.00 - $24.99 0.00%
  $25.00 $25.00 + up 0.05%
Money Market IRA $100.00 $00.00 - $99.99 0.00%
  $100.00 $100 - $4,999.99 0.05%
  $100.00 $5,000 - $9,999.99 0.05%
  $100.00 $10,000 - $24,999.99 0.10%
  $100.00 $25,000 - $49,999.99 0.15%
  $100.00 $50,000 + up 0.20%

Rates effective as of 3/25/2020 3:57:06 PM

* 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.