Bank · FDIC insured
Unity Bank
A $574.8M bank headquartered in Augusta, WI, with 13 branches in 3 states. Best rates: CDs 4.30% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Credit cards: no rates found on its website.
- CDs—4.30%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Unity Bank
- Headquarters
- 207 W Lincoln St, Augusta, WI 54722
- FDIC certificate
- 8714 ↗
Branches
13 branches in 3 states
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Minnesota
9 branches
Minneapolis area · 2
- Edina Branch7101 Washington Ave S, Edina, MN 55439Directions
- Rush City Branch1180 W 4th St, Rush City, MN 55069Directions
Clarissa area · 1
- Clarissa Branch112 Main St W, Clarissa, MN 56440Directions
Brainerd area · 1
- Crosby Office15 E Main St, Crosby, MN 56441Directions
Grand Forks area · 1
- Mentor Branch47 County Road 113 N, Mentor, MN 56736Directions
Motley area · 1
- Motley Branch1217 Highway 10 S, Motley, MN 56466Directions
Pierz area · 1
- Genola Office26171 Highway 27, Pierz, MN 56364Directions
Red Lake Falls area · 1
- Red Lake Falls Branch210 Main Ave S, Red Lake Falls, MN 56750Directions
Staples area · 1
- Staples Office602 4th St Ne, Staples, MN 56479Directions
Wisconsin
3 branches
Eau Claire area · 2
- Unity BankMain office207 W Lincoln St, Augusta, WI 54722Directions
- Branch Office Branch103 E Lincoln Ave, Fall Creek, WI 54742Directions
Neillsville area · 1
- Neillsville Branch500 West St, Neillsville, WI 54456Directions
Montana
1 branch
- Polson Branch104 Ridgewater Dr, Polson, MT 59860Directions
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 | 8.78% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 8.39% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.03% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio8.78%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent8.39%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.03%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Unity Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.