Savings Accounts

For rainy days, relaxing vacays, and right-on-time retirements

Open an Account

Meet Your Savings Goals

Savings is where the real wealth accumulation happens. Our UNIFY Savings Accounts are designed with you, your family, and your goals in mind.

Which is right for you?

Take our savings quiz to find the right features and terms for your savings goals.

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Do you have a special goal for your savings, such as funding a vacation?
Can you forgo withdrawals for 12 months to receive a higher rate?
Can you forgo withdrawals for 12 months to receive a higher rate?
Are you willing to carry an average daily balance of $200?
Are you willing to carry a $2,500 minimum balance to earn dividends and other rewards?
We Recommend:
Special Savings
We Recommend:
Club Account
We Recommend:
Regular Savings
We Recommend:

Many Ways to Save

Browse our variety of savings options and choose the account that’s right for you. Can’t decide? Call or visit a branch to talk to a UNIFY team member.

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Regular Savings

Our signature savings account1 starts earning you dividends with a $200 average daily balance. What are dividends? Dividends are what we pay you to keep your money in a UNIFY savings account.

Open a Savings Account
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eSavings Account

With eSavings1, start earning dividends with just a $5 average daily balance when you opt in for eStatements. It’s our green alternative to Regular Savings. Earn green while going green. What could be better?

Open An eSavings Account
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Special Savings Account

It’s your Summer Getaway Savings Account, your Wedding Savings Account, or your Holiday Gift Giving Savings Account. Whatever you save for, keep your savings separate in a UNIFY Special Savings Account.1 

Open a Special Savings
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Club Account

Set the terms of your savings with a UNIFY Club Account1,2. Choose between a 6, 12, or 18-month initial terms and it renews annually after that. Make unlimited deposits anytime throughout the year.

Open a Club Account

Money Market Accounts

Earn higher variable rates for higher dollar deposits. Take advantage of an adjustable rate and the flexibility to withdraw funds at any time – without penalty. $2,500 minimum deposit.3


What are dividends? Dividends are what we pay you to keep your money in a UNIFY savings account. Dividends are like the credit union version of interest.

We're Here to Help!  

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Looking for longer-term savings options? Head over to Certificate & IRA Accounts.

UNIFY University: Savings 101

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Saving for an Uncertain Future

Creating a budget. Saving for the future. It can all be a bit overwhelming.
Read More
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Go Green With eStatements

When you switch to eStatements, you're doing more than simplifying your finances.
Read More
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Strategies to Supersize Your Savings

There are a host of stories revealing that Americans’ saving accounts are in trouble.
Read More
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Plan Your Way to a Secure Retirement

With life expectancy in the United States currently at 78 years of age, people are living longer than they ever have before.
Read More


1Most Savings Accounts require a minimum $5 opening deposit. Please refer to our Consumer Share Rates and Truth-In-Savings Disclosure and our Disclosure of Fees and Charges for specific details about our share accounts.
2Substantial penalty for early withdrawal. Fees may reduce earnings on 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