Bank · FDIC insured
Unity Bank Savings Rates
Unity Bank’s best savings rate is 2.25% APY on $10,000, with its eSavings. Rates checked October 22, 2026.
How Unity Bank’s savings 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
2.25%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $225
eSavings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Unity Bank savings score
80
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0002.25%
- $100,000 balance$100,0003.25%
- QualifiedQualified2.25%
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 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.
eSavings
Up to 2.25%APY
Online accounts only for standard rates. Branch-only promo available with $1.00 opening deposit and $10 monthly fee if daily balance below $100. Promo rates require eStatements enrollment and branch opening. Rates effective as of 12/8/2025 (standard) and 9/29/2026 (promo).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. | 0.35% | — | Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. |
| Up to $100Online accounts only. | 0.00% | — | Online accounts only. |
| $100 – $20,000Online accounts only. | 0.05% | $5 | Online accounts only. |
| $10,000 – $50,000Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. | 2.25% | $225 | Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. |
| $20,000 – $100,000Online accounts only. | 0.10% | — | Online accounts only. |
| $50,000 – $100,000Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. | 2.75% | — | Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. |
| $100,000 – $150,000Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. | 3.25% | — | Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. |
| $100,000 – $250,000Online accounts only. | 0.10% | — | Online accounts only. |
| $150,000 and upPromo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. | 3.75% | — | Promo rate guaranteed for 90 days from opening. Must be opened at branch. Requires eStatements enrollment. |
| $250,000 – $500,000Online accounts only. | 0.15% | — | Online accounts only. |
| $500,000 and upOnline accounts only. | 0.25% | — | Online accounts only. |
Opportunity Money Market Account
0.10%APY
Account has minimum balance requirements to avoid service charge. Rates, terms, and conditions are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Account has minimum balance requirements to avoid service charge. | 0.00% | — | Account has minimum balance requirements to avoid service charge. |
| $2,000 – $10,000Account has minimum balance requirements to avoid service charge. | 0.05% | — | Account has minimum balance requirements to avoid service charge. |
| $10,000 and upAccount has minimum balance requirements to avoid service charge. | 0.10% | $10 | Account has minimum balance requirements to avoid service charge. |
Sources (1)
- unitybank.com/rates · captured Oct 22, 2026
Opportunity Savings
0.05%APY
$10 monthly service fee if daily balance falls below $100. Free paper statements and online statements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100$10.00 monthly service fee if balance falls below $100.00. | 0.00% | — | $10.00 monthly service fee if balance falls below $100.00. |
| $100 – $20,000$10.00 monthly service fee if balance falls below $100.00. | 0.05% | $5 | $10.00 monthly service fee if balance falls below $100.00. |
| $20,000 – $100,000$10.00 monthly service fee if balance falls below $100.00. | 0.10% | — | $10.00 monthly service fee if balance falls below $100.00. |
| $100,000 and up$10.00 monthly service fee if balance falls below $100.00. | 0.10% | — | $10.00 monthly service fee if balance falls below $100.00. |
Prosperity Savings
0.05%APY
$10.00 monthly service fee if balance falls below $100.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25$10.00 monthly service fee if balance falls below $100.00. | 0.00% | — | $10.00 monthly service fee if balance falls below $100.00. |
| $25 and up$10.00 monthly service fee if balance falls below $100.00. | 0.05% | $5 | $10.00 monthly service fee if balance falls below $100.00. |
Sources (1)
- unitybank.com/rates · captured Oct 15, 2026
Special-purpose accounts
Money Market IRA
0.10%APY
Online account opening not available for IRA accounts. $10.00 monthly service fee if balance falls below $100.00. Rates, terms, conditions are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100$10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. | 0.00% | — | $10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. |
| $100 – $5,000$10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. | 0.05% | — | $10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. |
| $5,000 – $10,000$10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. | 0.05% | — | $10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. |
| $10,000 – $25,000$10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. | 0.10% | $10 | $10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. |
| $25,000 – $50,000$10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. | 0.10% | — | $10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. |
| $50,000 and up$10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. | 0.15% | — | $10.00 monthly service fee if balance falls below $100.00. Online account opening not available for IRA accounts. |
Sources (1)
- unitybank.com/rates · captured Oct 22, 2026
Money Market IRA
0.10%APY
Online account opening not available for IRA or business accounts. $10.00 monthly service fee if balance falls below $100.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100$10.00 monthly service fee if balance falls below $100.00. | 0.00% | — | $10.00 monthly service fee if balance falls below $100.00. |
| $100 – $5,000$10.00 monthly service fee if balance falls below $100.00. | 0.05% | — | $10.00 monthly service fee if balance falls below $100.00. |
| $5,000 – $10,000$10.00 monthly service fee if balance falls below $100.00. | 0.05% | — | $10.00 monthly service fee if balance falls below $100.00. |
| $10,000 – $25,000$10.00 monthly service fee if balance falls below $100.00. | 0.10% | $10 | $10.00 monthly service fee if balance falls below $100.00. |
| $25,000 – $50,000$10.00 monthly service fee if balance falls below $100.00. | 0.10% | — | $10.00 monthly service fee if balance falls below $100.00. |
| $50,000 and up$10.00 monthly service fee if balance falls below $100.00. | 0.15% | — | $10.00 monthly service fee if balance falls below $100.00. |
Sources (1)
- unitybank.com/rates · captured Oct 15, 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.