Unwrapping a cube for multiple textures? I want to create a Rectangle with one texture tiling around the sides 3 times and 1 texture on the top and bottom faces. (I am making a wall that needs bricks on the sides and a "top of wall" texture on top)

I want the textures themselves to be one of the bricks (not pre-tiled) and one of the top of the wall, not a single texture.

How can I set up the tile so I can just give it the two textures and it will look right? I don't need a big guide, but I'm a newb to modelling and just need to know the overall idea of it.

My current guess is I need two materials (one for sides and one for the top/bottom) with a specific unwrap for each?
Yes.  You do need two materials.  I would make two materials, and two material slots.  To make slots you press the plus beside the materials list in the material tab.  You should see another sphere appear in the list.  Then, assign the new material the top image texture.  After that, in  edit mode, select the top faces.  With them selected, then select the new material you just made in the list, then click assign.  Then, you can unwrap the top faces, or you can use your existing unwrap and replace the original image with the new top one.

Don't call yourself a noob.  We all start somewhere. :)