Center Bancorp is the holding company for Union Center National Bank, which operates about a dozen offices in northern New Jersey's Morris and Union counties. A full-service commercial bank, Union Center offers individuals and local businesses such deposit products as checking, savings, and money market accounts; CDs; and IRAs. It also offers trust services. Commercial loans account for about 50% of the bank's loan portfolio; residential mortgages account for most of the remainder. Subsidiaries offer services such as advertising, insurance (annuities, property/casualty, life, and health), wealth management, and real estate investment trust (REIT) operations.