Unity Bank (New Jersey) CD Rates — October 2026
As of October 22, 2026, Unity Bank (New Jersey)'s highest tracked CD rate is 4.40% APY on an 18-month promotional CD ($1,000 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.05% to 0.35% APY.
Tracking began .
Unity Bank (New Jersey) CD rates
Includes 6-, 11- and 18-month promotional CDs and standard CDs, each with a $1,000 minimum to open. Standard term ranges are shown at their lower bound. Early withdrawal penalties apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.40% APY (18 months). The standard rate for a similar term is 0.15% APY (18 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $425 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Unity Bank (New Jersey)'s best CD rates by term?
Unity Bank (New Jersey)'s best rate is 4.40% APY on 18 months, verified October 22, 2026.
- 3 mo0.05%
- 6 mo4.20%
- 11 mo4.30%
- 12 mo0.15%
- 18 mo4.40%
- 24 mo0.20%
- 30 mo0.20%
- 36 mo0.25%
- 48 mo0.30%
- 60 mo0.35%
How much interest could a Unity Bank (New Jersey) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$667.84 interest · $10,667.84 at maturity on $10,000.00.
4.40% APY · 18 months · 18 Month CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $0.620.05% APY · 03-05 Month CD · Standard | $1.250.05% APY · 03-05 Month CD · Standard | $3.120.05% APY · 03-05 Month CD · Standard | $6.230.05% APY · 03-05 Month CD · Standard |
| 6 months | $104.214.20% APY · 6 Month CD · Promotional | $208.424.20% APY · 6 Month CD · Promotional | $521.044.20% APY · 6 Month CD · Promotional | $1,042.084.20% APY · 6 Month CD · Promotional |
| 11 months | $196.994.30% APY · 11 Month CD · Promotional | $393.974.30% APY · 11 Month CD · Promotional | $984.934.30% APY · 11 Month CD · Promotional | $1,969.854.30% APY · 11 Month CD · Promotional |
| 12 months | $7.500.15% APY · 12-17 Month CD · Standard | $15.000.15% APY · 12-17 Month CD · Standard | $37.500.15% APY · 12-17 Month CD · Standard | $75.000.15% APY · 12-17 Month CD · Standard |
| 18 months | $333.924.40% APY · 18 Month CD · Promotional | $667.844.40% APY · 18 Month CD · Promotional | $1,669.594.40% APY · 18 Month CD · Promotional | $3,339.184.40% APY · 18 Month CD · Promotional |
| 24 months | $20.020.20% APY · 24-29 Month CD · Standard | $40.040.20% APY · 24-29 Month CD · Standard | $100.100.20% APY · 24-29 Month CD · Standard | $200.200.20% APY · 24-29 Month CD · Standard |
| 30 months | $25.050.20% APY · 30-35 Month CD · Standard | $50.100.20% APY · 30-35 Month CD · Standard | $125.260.20% APY · 30-35 Month CD · Standard | $250.510.20% APY · 30-35 Month CD · Standard |
| 36 months | $37.590.25% APY · 36-47 Month CD · Standard | $75.190.25% APY · 36-47 Month CD · Standard | $187.970.25% APY · 36-47 Month CD · Standard | $375.940.25% APY · 36-47 Month CD · Standard |
| 48 months | $60.270.30% APY · 48-59 Month CD · Standard | $120.540.30% APY · 48-59 Month CD · Standard | $301.350.30% APY · 48-59 Month CD · Standard | $602.710.30% APY · 48-59 Month CD · Standard |
| 60 months | $88.110.35% APY · 60 Month CD & Up · Standard | $176.230.35% APY · 60 Month CD & Up · Standard | $440.570.35% APY · 60 Month CD & Up · Standard | $881.150.35% APY · 60 Month CD & Up · Standard |
How Unity Bank (New Jersey) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 13 of 192 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Unity Bank (New Jersey) (this institution)18 Month CD · Promotional | 18 months | $1,000 | Coverage: NJ, PA | 4.40% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 18 months | $10,000 | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays18 Month CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Unity Bank (New Jersey) on October 22, 2026.
About Unity Bank (New Jersey)
- Legal name
- Unity Bank
- Regulator ID
- FDIC 33503
- Headquarters
- Clinton, NJ
- Available in
- NJ, PA
- Total assets
- $3.2 billion
- Also known as
- Website
- www.unitybank.com
Source: rates read from https://www.unitybank.com/rates/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Unity Bank (New Jersey)?
Among the rates we track, 4.40% APY on an 18-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Unity Bank (New Jersey) CD?
The lowest minimum we found is $1,000.
How does Unity Bank (New Jersey)'s best CD rate compare with Treasury yields?
4.40% APY is −0.32% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Unity Bank (New Jersey) CDs insured?
Unity Bank (New Jersey) is an FDIC-insured bank (FDIC 33503). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Unity Bank (New Jersey)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Unity Bank (New Jersey)'s website and may change at any time. Confirm terms, minimums and eligibility with Unity Bank (New Jersey) before opening an account. This page is not financial advice.