# Unity Bank (New Jersey) CD rates

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.

Canonical page: https://apyledger.com/cd-rates/unity-bank-new-jersey
Institution: Unity Bank (FDIC 33503)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:50.000Z (October 22, 2026)
Official source: https://www.unitybank.com/rates/cds
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 03-05 Month CD | standard | 3 months | $1,000 | 0.05% | Not ZIP-priced | −4.25% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 6 Month CD | promotional | 6 months | $1,000 | 4.20% | Not ZIP-priced | −0.20% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 06-11 Month CD | standard | 6 months | $1,000 | 0.10% | Not ZIP-priced | −4.30% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 11 Month CD | promotional | 11 months | $1,000 | 4.30% | Not ZIP-priced | −0.24% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 12-17 Month CD | standard | 12 months | $1,000 | 0.15% | Not ZIP-priced | −4.42% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 18 Month CD | promotional | 18 months | $1,000 | 4.40% | Not ZIP-priced | −0.32% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 18-23 Month CD | standard | 18 months | $1,000 | 0.15% | Not ZIP-priced | −4.57% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 24-29 Month CD | standard | 24 months | $1,000 | 0.20% | Not ZIP-priced | −4.67% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 30-35 Month CD | standard | 30 months | $1,000 | 0.20% | Not ZIP-priced | −4.71% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 36-47 Month CD | standard | 36 months | $1,000 | 0.25% | Not ZIP-priced | −4.70% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 48-59 Month CD | standard | 48 months | $1,000 | 0.30% | Not ZIP-priced | −4.68% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |
| 60 Month CD & Up | standard | 60 months | $1,000 | 0.35% | Not ZIP-priced | −4.66% | 2026-10-22T16:25:50.000Z | [Snapshot 418](https://apyledger.com/snapshots/418) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.