Bank · FDIC insured
Unity Bank CD Rates
Unity Bank’s best CD rate is 4.40% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Unity Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Unity Bank has the most branches. $10,000, best rate first.
This bank’s best
Unity Bank
4.40%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $667
Certificates of Deposit (CD)
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Unity Bank CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo0.35%
- QualifiedQualified4.40%
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 Unity Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificates of Deposit (CD)
Up to 4.40%APY · 12 terms
Opening deposit and minimum balance is $1,000 ($500 for minors). Penalty for early withdrawal applies. Terms 3 months to 60 months, with additional terms available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsPenalty for early withdrawal applies | 0.05% | $1 |
| 6–11 monthsPenalty for early withdrawal applies | 0.10% | $5 |
| 6 monthsPromo Code: 1158. Offer valid beginning September 28, 2026. Penalty for early withdrawal applies. At maturity, automatically renews and earns base interest rate in effect at that time | 4.20% | $208 |
| 11 monthsPromo Code: 1159. Offer valid beginning September 28, 2026. Penalty for early withdrawal applies. At maturity, automatically renews and earns base interest rate in effect at that time | 4.30% | $393 |
| 12–17 monthsPenalty for early withdrawal applies | 0.15% | $15 |
| 18–23 monthsPenalty for early withdrawal applies | 0.15% | $23 |
| 18 monthsPromo Code: 1160. Offer valid beginning September 28, 2026. Penalty for early withdrawal applies. At maturity, automatically renews and earns base interest rate in effect at that time | 4.40% | $667 |
| 24–29 monthsPenalty for early withdrawal applies | 0.20% | $40 |
| 30–35 monthsPenalty for early withdrawal applies | 0.20% | $50 |
| 36–47 monthsPenalty for early withdrawal applies | 0.25% | $75 |
| 48–59 monthsPenalty for early withdrawal applies | 0.30% | $121 |
| 60–Unknown monthsPenalty for early withdrawal applies | 0.35% | $176 |
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.