Bank · FDIC insured
OneUnited Bank Savings Rates
OneUnited Bank’s best savings rate is 0.40% APY on $10,000, with its UNITY Plus Savings. Rates checked October 15, 2026.
How OneUnited Bank’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where OneUnited Bank has the most branches. $10,000, best rate first.
This bank’s best
OneUnited Bank
0.40%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $40
UNITY Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
OneUnited Bank savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where OneUnited Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
UNITY E-Gold Savings
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Monthly maintenance service charge is avoided with a minimum balance of $1,000. | 0.20% | $20 | Monthly maintenance service charge is avoided with a minimum balance of $1,000. |
| $25,000 – $100,000Monthly maintenance service charge is avoided with a minimum balance of $1,000. | 0.30% | — | Monthly maintenance service charge is avoided with a minimum balance of $1,000. |
| $100,000 and upMonthly maintenance service charge is avoided with a minimum balance of $1,000. | 0.40% | — | Monthly maintenance service charge is avoided with a minimum balance of $1,000. |
Sources (3)
- oneunited.com/personal-banking/todays-rates
- oneunited.com/personal-deposit-products
- oneunited.com/savings
All captured Oct 5, 2026
UNITY Plus Savings
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Monthly maintenance service charge is avoided with a minimum balance of $400. | 0.40% | — | Monthly maintenance service charge is avoided with a minimum balance of $400. |
| $1,000 and upMonthly maintenance service charge is avoided with a minimum balance of $400. | 0.40% | $40 | Monthly maintenance service charge is avoided with a minimum balance of $400. |
Sources (2)
All captured Oct 5, 2026
UNITY Savings
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $1,000Monthly maintenance service charge is avoided with a minimum balance of $200. | 0.40% | — | Monthly maintenance service charge is avoided with a minimum balance of $200. |
| $1,000 and upMonthly maintenance service charge is avoided with a minimum balance of $200. | 0.40% | $40 | Monthly maintenance service charge is avoided with a minimum balance of $200. |
Sources (2)
All captured Oct 5, 2026
OneUnited Savings
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMonthly maintenance service charge of $5 is waived with a minimum balance of $200 or with at least one direct deposit (or EFT credit / AutoSave deposit transfer) during the month.$200 and up | 0.20% | $20 | Monthly maintenance service charge of $5 is waived with a minimum balance of $200 or with at least one direct deposit (or EFT credit / AutoSave deposit transfer) during the month. |
Sources (3)
- oneunited.com/personal-banking/todays-rates
- oneunited.com/personal-deposit-products
- oneunited.com/savings
All captured Oct 5, 2026
UNITY Money Market
0.05%APY
Monthly maintenance service charge membership fee of $12.00 is avoided with a minimum balance of $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $24,999Rate requires a minimum average daily balance of $500 – $24,999. Monthly fee of $12.00 avoided with a minimum balance of $500. | 0.05% | $5 | Rate requires a minimum average daily balance of $500 – $24,999. Monthly fee of $12.00 avoided with a minimum balance of $500. |
| $25,000 – $74,999Rate requires a minimum average daily balance of $25,000 – $74,999. Monthly fee of $12.00 avoided with a minimum balance of $500. | 0.10% | — | Rate requires a minimum average daily balance of $25,000 – $74,999. Monthly fee of $12.00 avoided with a minimum balance of $500. |
| $75,000 and upRate requires a minimum average daily balance of $75,000 or more. Monthly fee of $12.00 avoided with a minimum balance of $500. | 0.15% | — | Rate requires a minimum average daily balance of $75,000 or more. Monthly fee of $12.00 avoided with a minimum balance of $500. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
UNITY Youth Savings
0.40%APY
Membership eligible account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.40% | — |
| $1,000 and up | 0.40% | $40 |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.