About OneUnited Bank

OneUnited Bank is fulfilling the hundred year old civil rights dream by garnering the savings power of our communities and channeling it back into urban communities for economic development. With your support by simply opening an FDIC insured account with great rates, we will continue to accomplish this dream everyday!
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Overall Rating

MyBankTracker rated OneUnited Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.

C

MyBankTracker Rating

Customer Rating
Based on 2 Reviews
Financial Health
Based on Texas Ratio: 36.47
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Banking
Quality of Mobile Services

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
UNITY Savings

0.25%

$0

$100

NAME RATE (APY) MIN TO EARN APY Min Deposit
UNITY Gold Checking

0.20%

$100

$10

UNITY Gold Checking

0.20%

$25,000

$10

NAME RATE POINTS FEES
30 Year Fixed

0

N/A

15 Year Fixed

0

N/A

TERM RATE (APY) Min Deposit
18 Month CD

0.95%

$1,000

24 Month CD

1.00%

$1,000

36 Month CD

1.15%

$1,000

Banking Fees

Type Fee National average
Monthly Inactivity

$3

$7

Non-Sufficient Fund (Overdraft)

$35

$30

Stop Payment item

$25

$27

Return Deposit

$5.75

$13

Domestic Wire Transfer (Outbound)

$25

$22

Domestic Wire Transfer (Inbound)

$15

$9

Non-Bank ATM

$2

$1