Unity National Bank of Houston (UNBH) is an independent, retail, community bank providing quality customer service while presenting an image of professionalism and excellence to serve as a role model to other businesses in the African-American community. The vision at UNBH is to be the financial institution that partners with Houston's underserved communities to create opportunities, and to build relationships with the organizations and citizens of these communities, providing them convenient financial products and services.
Unity National Bank of Houston provides a variety of bank products specifically designed to meet customer needs by ensuring they can reach their financial goal.
- Consumer Products: Includes a variety of checking accounts, an Educational Reinvestment Account, Personal Savings Accounts, Money Market Accounts, Individual Retirement Accounts (IRAs), Certificates of Deposit (CDs), a variety of checking services, and a TUTMA Savings Account for Minors.
- Commercial Products: Includes Commercial Checking and Savings Accounts, Money Market Accounts, and the UNBH Church Partnership.
- Loans: UNBH's lending program has always intended to help rebuild its community, and therefore, UNBH continues to stress mortgage loans to those individuals who express an interest in financing for their primary residence. UNBH also focuses on home improvement loans and auto loans. Its business lending philosophies encourage the use of various agencies to increase and enhance the possibilities of loan approval. UNBH continues to make Small Business Administration (SBA)-guaranteed loans, as well as other conventional loans to small businesses.
Investments by individuals, as well as institutions such as Calvert Foundation, provide lending capital to Unity National Bank of Houston.
UNBH currently operates three branches that serve the minority and financially underserved communities in Houston and Missouri City. Its clients include small businesses, families, individuals, as well as students through their College Checking Account. As an African-American owned bank, a majority of UNBH's active borrowers are African-American as well. Many of UNBH's clients are seen as unbankable in the eyes of conventional banks due to a poor credit record, but UNBH strives to be the financial institution that is willing to partner with Houston's underserved communities to help them create opportunities.
In 2008, UNBH operated a loan portfolio equaling $49,003,000 and assets totaling $59,833,000. Over the past year, UNBH has made loans to small businesses, families, and individuals. It has also brought a number of convenient banking services including ATM machines, Night Depository, and a 24-hour information line to traditionally financially underserved communities. Over the past year, UNBH's efforts have resulting in the establishment of new businesses, which provide new jobs, renovation of older homes, construction of new housing, and the funding of various community projects.