Bank · FDIC insured
UniBank
A $3.1B bank, the 409th largest of 4,207, headquartered in Whitinsville, MA, with 15 branches in Massachusetts. Best rates: CDs 3.85% and savings 1.00% APY.
UniBank Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#21 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About UniBank
UniBank is based in Whitinsville, Massachusetts, and operates 14 bank locations throughout Central Massachusetts.
Formed in 1988 through the merger of Uxbridge Savings Bank and Whitinsville Savings Bank, the bank is owned by holding company UFS Bancorp.
- Headquarters
- 49 Church St, Whitinsville, MA 01588
- FDIC certificate
- 90290 ↗
Branches
15 branches in Massachusetts
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Massachusetts
15 branches
Worcester area · 14
- UniBank for SavingsMain office49 Church St, Whitinsville, MA 01588Directions
- Blackstone Branch10 Cheney St, Blackstone, MA 01504Directions
- Douglas Branch4 Mechanic Street, Douglas, MA 01516Directions
- Milford Branch91 Prospect St, Milford, MA 01757Directions
- Grafton Branch89 Worcester St, North Grafton, MA 01536Directions
- Shrewsbury Branch193 Boston Tpke, Shrewsbury, MA 01545Directions
- Galaxy Pass Sutton Branch29 Galaxy Pass, Sutton, MA 01590Directions
- Sutton Branch156 Worcester Providence Tpke, Sutton, MA 01590Directions
- Upton Branch113 Main St, Upton, MA 01568Directions
- North Main Street Branch25 North Main Street, Uxbridge, MA 01569Directions
- Whitinsville Plaza Branch1189 Providence Road, Whitinsville, MA 01588Directions
- Willows Branch101 Barry Rd, Worcester, MA 01609Directions
- Worcester - Polar Park Branch1 Green Island Boulevard, Worcester, MA 01610Directions
- Worcester Branch24 Gold Star Blvd, Worcester, MA 01605Directions
Boston area · 1
- Hopkinton Branch87 W Main St, Hopkinton, MA 01748Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.83% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.62% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.06% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalLeverage ratio8.83%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.62%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.06%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of UniBank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.