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.

EARN 5.00% APY*

9-Month Share & IRA Certificate*** 

NEW Shorter term!


  • 9-month term
  • $500 minimum balance
  • Make one additional deposit within 30 days of opening**
  • IRA Certificate option available when opening at a UNIFY branch***
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    Stash YOUR Cash Today!

    New to UNIFY? No problem!   open an account & certificate 

    Already a UNIFY Member?   Open certificate within eBanking

    Visit a branch.
    Call our 24/7 Contact Center  877.254.9328

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    Share Certificates

    Invest at least $1,000 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. Promotion begins, and rates effective, as of April 4, 2023. Promotional 9-month Share Certificate must be funded with a minimum of $500. Quoted yield assumes dividends remain in account until maturity. Fees or withdrawals may reduce earnings on account early withdrawal penalties apply. 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. 
    **Initial opening online deposits for Share Certificates have a maximum deposit limit of $54,000. However, one additional deposit can be made into this promotional certificate within the first 30 days of account opening. This additional one-time deposit must be made in a branch, or by mail. Opening a share certificate in online banking may not be available for some members. 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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    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
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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