Unity Bank has various options that let you choose the investment terms that meet your individual goals! Talk to a Personal Banker today!


Unity Bank North offers the Roth, Traditional, SEP and SIMPLE IRAs. We also offer the Coverdell Education Savings Account (ESA). Each of these offer various interest rates and terms. There is no minimum opening deposit or balance. Maximum contributions amounts change annually, so ask a Personal Banker for details. Penalties may apply for early withdrawals. Talk to a Personal Banker today!


We offer Health Savings Accounts that can be used with your qualifying high deductible health insurance plan using pre-tax dollars. Unused dollars roll over year after year with unlimited withdrawals for health-related expenses. You may withdraw for these expenses using a check, debit card, or transfer. There is no minimum opening deposit or balance, but balances over $500 earn interest. See Rate Table link below. Maximum contribution amounts change annually, so ask a Personal Banker for details. Unused funds may be rolled into an IRA upon retirement at an age dictated by the IRS. 

Reasons to open a Health Savings Account today:

  • Freedom of choice over your health care decisions
  • Long-term savings
  • Tax savings2
  • Interest earnings
  • Stays with you - fully portable

Your HSA works just like a regular checking account. You can either write a check or use your debit card to pay for qualified medical expenses. Statements can be mailed or viewed online, and you'll receive a year-end report for tax purposes. Your account features:

  • No Minimum Balance
  • Reduced annual fee if you have another Unity Bank account
  • No-Fee Debit Card
  • No-Fee Online Banking
  • Monthly eStatements
  • Earn Interest
  • Year-End Report

To open your Health Savings Account, contact us today.

For Interest Rates see or contact a Personal Banker at 866-207-1691.

Electronic Deposit Insurance Estimator (EDIE the estimator) – to make sure all of your money is insured by the FDIC:

Earn a return with access to multi-million-dollar FDIC coverage through Unity Bank with CDARS or ICS: