UniBank for Savings CD and money market rates
UniBank for Savings advertises up to 1.60% APY on its Tiered Rate Money Market Account. The 1.60% needs a balance of at least $100,000. Below that, the account advertises 0.10%.
On a $10,000 balance the account earns 1.00% overall, about $100 in a year, which is 0.63 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
UniBank for Savings at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 1.60% · Tiered Rate Money Market Account · needs at least $100,000 |
| Minimum to open | $10 · Tiered Rate Money Market Account |
| Against the national average | 1.23 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.85% · 8 months · 8 Month Certificate |
| Minimum to open | not stated · 8 months CD |
| Money market | |
| Top money market APY | Up to 1.60% · Tiered Rate Money Market Account · needs at least $100,000 |
| Minimum to open | $10 · Tiered Rate Money Market Account |
| Against the national average | 0.97 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 90290 · Whitinsville, MA |
|---|---|
| Website | www.unibank.com |
| Branches | 15 branches in MA |
| Availability | Available in MA |
UniBank for Savings CD and money market rates
Personal
How the rate applies
IRA
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 510 money market accounts from 456 banks in the Banksparency money market index, the median advertised rate is 1.08%, and one account in ten advertises 3.04% or more. See the highest savings rates.
UniBank for Savings CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 3.30% | not stated | 91 Day Certificate |
| 6 months | 3.50% | not stated | 6 Month Certificate |
| 8 months | 3.85% | not stated | 8 Month Certificate |
| 12 months | 3.00% | $500 | 1 Year CD |
| 12 months | 1.00% | not stated | 1 Year UniStep CD |
| 14 months | 3.50% | not stated | 14 Month CD |
| 24 months | 2.65% | not stated | 2 Year CD |
| 24 months | 1.25% | not stated | 2 Year UniStep CD |
| 36 months | 3.00% | not stated | 3 Year CD |
| 36 months | 1.25% | not stated | 3 Year UniStep CD |
| 48 months | 2.50% | not stated | 4 Year CD |
| 60 months | 2.75% | not stated | 5 Year CD |
| IRA CDs | |||
| 6 months | 3.85% | not stated | 6 Month IRA CD |
| 12 months | 3.25% | not stated | 1 Year IRA CD |
| 20 months | 3.10% | not stated | 20 Month IRA CD |
| 24 months | 3.00% | not stated | 2 Year IRA CD |
| 36 months | 3.00% | not stated | 3 Year IRA CD |
| 48 months | 3.00% | not stated | 4 Year IRA CD |
| 60 months | 3.00% | not stated | 5 Year IRA CD |
What UniBank for Savings pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 1.60% needs a balance of at least $100,000. Below that, the account advertises 0.10%.
In Q2 2026, UniBank for Savings paid a higher average rate on savings and money market deposits than 41% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- UniBank for Savings, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Tiered Rate Money Market Account | 1.60% | $10 | $10 | None | A service charge of $5.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle | not stated | Tiered | |
| Fine print: A service charge applies in any statement cycle in which the balance falls below $2,500 on any day. The account's lowest rate tier sits entirely below that threshold. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 91 Day Certificate | 3 months | 3.30% | not stated | not stated | not stated |
| 6 Month Certificate | 6 months | 3.50% | not stated | not stated | not stated |
| 8 Month Certificate | 8 months | 3.85% | not stated | not stated | not stated |
| 1 Year CD | 12 months | 3.00% | $500 | not stated | not stated |
| 1 Year UniStep CD | 12 months | 1.00% | not stated | not stated | not stated |
| 14 Month CD | 14 months | 3.50% | not stated | not stated | not stated |
| 2 Year CD | 24 months | 2.65% | not stated | not stated | not stated |
| 2 Year UniStep CD | 24 months | 1.25% | not stated | not stated | not stated |
| 3 Year CD | 36 months | 3.00% | not stated | not stated | not stated |
| 3 Year UniStep CD | 36 months | 1.25% | not stated | not stated | not stated |
| 4 Year CD | 48 months | 2.50% | not stated | not stated | not stated |
| 5 Year CD | 60 months | 2.75% | not stated | not stated | not stated |
| IRA CDs | |||||
| 6 Month IRA CD | 6 months | 3.85% | not stated | not stated | not stated |
| 1 Year IRA CD | 12 months | 3.25% | not stated | not stated | not stated |
| 20 Month IRA CD | 20 months | 3.10% | not stated | not stated | not stated |
| 2 Year IRA CD | 24 months | 3.00% | not stated | not stated | not stated |
| 3 Year IRA CD | 36 months | 3.00% | not stated | not stated | not stated |
| 4 Year IRA CD | 48 months | 3.00% | not stated | not stated | not stated |
| 5 Year IRA CD | 60 months | 3.00% | not stated | not stated | not stated |
Fine print for 3 CDs above: The rate can be changed one time after the account is opened.
Opening and using the account
| Availability | Available in MA |
|---|---|
| Footprint | 15 branches in MA |
| Eligibility | not stated |
How UniBank for Savings behaves over time
Recent rate changes, as observed
- Obs. Sep 2, 20268 Month CertificateRaise:3.65%to3.85%
- Tiered Rate Money Market Account
- The same as 30 days ago.
- 8 months CD
- The same as 30 days ago.
$10,000 at the 1.60% APY UniBank for Savings advertises on Tiered Rate Money Market Account grows to $10,160 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,826 does today. See how the federal funds rate shapes savings rates.
UniBank for Savings CD rates over time
Who is UniBank for Savings?
| Headquarters | Whitinsville, MA |
|---|---|
| Founded | 1870 |
| Scale | $3.1B assets · $2.6B deposits, $2.3B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 90290 |
| Charter state | Massachusetts · one of 91 insured banks chartered there (Q2 2026, FDIC) |
| Size | 404th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 52% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What UniBank for Savings pays on deposits above.
Common questions about UniBank for Savings
Is UniBank for Savings FDIC insured?
Yes. UniBank for Savings is FDIC insured under certificate 90290, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at UniBank for Savings?
UniBank for Savings requires a minimum deposit of $10 to open its Tiered Rate Money Market Account, as observed on Oct 7, 2026. Check the bank's current terms before you open an account.
Does the 1.60% apply to my whole balance?
The 1.60% needs a balance of at least $100,000. Below that, the account advertises 0.10%. Rates are as observed on Oct 7, 2026.
Does UniBank for Savings have branches?
Yes. UniBank for Savings operates 15 branches according to FDIC branch records, in addition to its website and mobile apps.
UniBank for Savings against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| UniBank for Savings | 1.60% | 1.22% | $10 | 15 branches in MA |
| FWBank | 1.55% | 1.51% | $100 | 1 branch in IL |
| American State Bank & Trust Company of Williston | 1.66% | 1.07% | $100 | 2 branches in ND |
| Pinnacle Bank | 1.66% | 2.40% | $100 | 28 branches in TX |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to UniBank for Savings's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Massachusetts, nearest to UniBank for Savings in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Massachusetts.