OneUnited Bank UNITY Gold One Year E-CD The First Black-Owned Internet Bank UNITY Gold Four Year E-CD $100 Bonus
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OneUnited Bank offers great rates for home loans, checking, money market, savings accounts and Certificates of Deposits, FREE online banking and bill pay and ATM cards that can be used at over 10,000 surcharge free locations nationwide!

Home Loan Rates Effective Today

Interest Rate Annual Percentage Rate (APR) Points


15 Year Fixed Rate 3.875% 4.119% 1
30 Year Fixed Rate 4.375% 4.516% 1


5/1 LIBOR ARM 3.625% 3.760% 1
7/1 LIBOR ARM 3.875% 4.012% 1
10/1 LIBOR ARM 4.375% 4.516% 1

Deposit Rates Effective Today and as of July 12th, 2010

Internet Products | Consumer Products | Business Products | Certificates Of Deposit

Minimum Deposit to Open Minimum Average Daily Balance to Obtain APY Interest Rate Annual Percent Yield


(Available online only)

UNITY Gold Four Year E-CD $1000 $1000 - $99,999.99 2.25% 2.25%
  $1000 $100,000 or more 2.25% 2.25%
UNITY Gold Two Year E-CD $1000 $1000 - $99,999.99 1.60% 1.60%
  $1000 $100,000 or more 1.60% 1.60%
UNITY Gold One Year E-CD $1000 $1000 - $99,999.99 1.01% 1.01%
  $1000 $100,000 or more 1.01% 1.01%
UNITY Gold 120 Day E-CD $1000 $1000 - $99,999.99 0.50% 0.50%
  $1000 $100,000 or more 0.50% 0.50%
UNITY Gold E-Money Market $1000 $1000 - $24,999.99 1.01% 1.01%
  $1000 $25,000 - $99,999.99 1.01% 1.01%
  $1000 $100,000 or more 1.15% 1.15%

UNITY Gold Checking $10 $100 - $24,999.99 0.50% 0.50%
  $10 $25,000 or more 0.75% 0.75%
UNITY Youth Savings $10 $10 - $999.99 0.20% 0.20%
  $10 $1,000 or more 0.20% 0.20%
UNITY Savings
UNITY Plus Savings
$100 $100 - $999.99 0.20% 0.20%
  $100 $1,000 or more 0.20% 0.20%

UNITY Business Checking
UNITY Non Profit Checking
$100 $100 - $24,999.99 0.15% 0.15%
  $100 $25,000 or more 0.15% 0.15%
UNITY Choice Savings $100 $1,000 or more 0.20% 0.20%


(Up to $100,000)


UNITY 270 Day CD
UNITY 270 Day IRA CD
$1000 $1,000 1.00% 1.00%
UNITY 90 Day CD
UNITY 90 Day IRA CD
$1000 $1,000 0.50% 0.50%
UNITY 18 Month CD $1000 $1,000 1.50% 1.50%
UNITY 2 Year CD
UNITY 2 Year IRA CD
$1000 $1,000 1.60% 1.60%
UNITY 3 Year CD
UNITY 3 Year IRA CD
$1000 $1,000 2.00% 2.00%
UNITY 4 Year CD
UNITY 4 Year IRA CD
$1000 $1,000 2.25% 2.25%

The interest rates and annual percentage yields (APY) are effective as of the date listed above for OneUnited Bank. All rates are subject to change daily. Interest on CDs is simple interest, credited at the end of the term or annually, if the term is greater than one year. A penalty may be imposed for early withdrawals on all CDs and fees may reduce earnings on the account. For more information, including how interest is calculated, please review the OneUnited Bank Online Truth In Savings Disclosure or speak with our Financial Service Representatives. Please call 1-877-One-United or 1-877-663-8648 for the current rate or further detailed information. Member FDIC

(See OneUnited Bank Truth In Savings Disclosures, OneUnited Bank Online Truth In Savings Disclosures, OneUnited Bank Business Account Disclosures and the OneUnited Bank Personal Deposit Account Agreement for more details.)

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© 2010 OneUnited Bank. All rights reserved.

Important disclosures regarding the FDIC’s Transaction Account Guarantee Program: OneUnited Bank is participating in the FDIC's Transaction Account Guarantee Program. Under this program, the FDIC temporarily provides a full guarantee for deposits held by FDIC insured institutions in noninterest bearing transaction accounts. This coverage became effective on October 14, 2008 and will expire at 11:59 PM EST on December 31, 2010. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. OneUnited Bank does not guarantee that its rates for interest bearing checking, money market and IOLTA accounts will not exceed 0.25%, and therefore these accounts are not eligible for TAGP. Please visit the FDIC website for more information on this pro gram (www.fdic.gov)

 

* The interest rate (1.01%) and annual percentage yield (APY) (1.01%) is effective today and has been effective as of July 12th, 2010. $1,000.00 minimum balance to open and $1,000 minimum to earn disclosed APY. All rates are subject to change daily. Interest on CDs is compounded at the end of the term or annually, which ever is shorter. A penalty may be imposed for early withdrawals on all CDs, and fees may reduce earnings on the account. For more information, including how interest is calculated and fees, please review our Online Truth in Savings Disclosures or speak with our Financial Service Representatives. Please call 1-877-One-United or 877-663-8648 for current rate or further detailed information.