Certificate & IRA Accounts

The perfect balance of earnings and low-risk

Open a Certificate Account

Put Your Savings to Work

UNIFY offers Share Certificate Account terms from 3 months to 60 months. Our flexible terms help you manage your returns and timeline to meet your financial needs. Can’t decide? Call or visit a branch to talk to a UNIFY team member.

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Share Certificates

Invest at least $100 in a Share Certificate and you choose the term that fits your financial goals. The longer you lock it in, the more you earn. It’s low risk and high yield if you can keep your hands off your savings.

View Share Certificate Rates     Open a Certificate Online

What is a Share Certificate? It's basically the credit union version of a bank CD (Certificate of Deposit).

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Individual Retirement Accounts (IRAs)

Make it rain in retirement with a Traditional IRA Certificate. UNIFY offers Traditional, Roth, and Coverdell IRA accounts. Choose from 12 to 60-month terms and fixed or variable-rate options.1,2

Roth IRAs

A Roth IRA Certificate offers a powerful way to save for retirement. With the potential for tax-free growth and tax-free withdrawals in retirement, a Roth IRA can help you keep more of what you earn.

IRA Savings

Work your way up to an IRA Certificate. With as little as $5 you can start earning interest at a competitive rate. When your balance reaches the required minimum, you may transfer to a higher-yielding IRA Certificate.2

View IRA Rates     Visit a Branch to Open

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Coverdell Education Account

Start saving for your child’s education today. Use the money in a Coverdell account for tuition, books, or other education-related expenses.1.2

Visit a UNIFY Branch to discuss your college savings needs.

Visit a UNIFY branch 

Saving for Retirement is Confusing. We're here to help!

Find a Branch       Make an Appointment

How much will my Certificate be worth at maturity?

This calculator works for fixed rate share certificates or CDs. Keep in mind that your return may vary if you choose a variable rate share certificate account.

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*APY = Annual Percentage Yield. 11-month promotional rate effective September 5, 2023. Promotional share certificates must be funded with a minimum of $100. Quoted yield assumes dividends remain in account until maturity. Fees or withdrawals may reduce earnings on account and penalty may be imposed for early withdrawal. UNIFY membership required, which includes opening a membership share savings of at least $5. Offer subject to change without notice and may end at any time. Share Certificates opened online have a maximum deposit of $54,000. One additional deposit is permitted within the first 30 days of account opening, but deposit must be made in a branch or by mail. Call 877.254.9328 to get started.
**IRA = Individual Retirement Account. Substantial penalty for early withdrawal. Fees may reduce earnings on account. IRAs may have IRS-imposed contribution limits and tax implications, especially for premature distributions. Consult a tax advisor to determine what applies to your individual situation. Additional paperwork may be required to open the IRA certificate. Open at a branch

1Substantial penalty for early withdrawal. Fees may reduce earnings on account.
2IRAs and Coverdell Education Savings have IRS-imposed contribution limits, distribution restrictions and tax implications. Consult your tax advisor. The rate and APY of Variable Rate IRA Certificates may change during the term of the account.


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Direct Deposit Bonus

Enrollment in Direct Deposit means you could win $1K in our quarterly drawing! If you are enrolled for monthly direct deposit of $500 or more, you could win big!

Get all the details
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FREE Checking

Yep… we said FREE. Convenient and flexible, our FREE Checking account is the no-fuss way to manage your money.

Get FREE Checking
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Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

Find a branch near you