Whether you’re a new saver in your 20’s or looking to grow your nest egg faster in your 40’s, UNIFY offers dividend-earning accounts to bring your personal savings goals within easy reach—one deposit at a time.
Meet Your Savings Goals
The best best things in life may be free, but it helps to plan for those that aren’t. Whether you want to save for that special day or just want to make sure you’re ready for a rainy one, we’ll help you reach your goals—and choose the right account to do it!
- Regular Savings Account
Keep a little more in your account and start earning dividends right away.
- Earn dividends with a $200 average daily balance.1
- Choose paper or go paperless, with eStatements.3
- Member (I already have an account)
- Non-Member (I have not yet established an account.)
- eSavings Account
Save green. Be green. Consider our conservation alternative to a Regular Savings Account.
- Earn dividends with a $5 average daily balance.4
- Go paperless eStatements.5
- Member (I already have an account)
- Non-Member (I have not yet established an account.)
- Special Savings Account 4
Manage your money more efficiently and earn dividends. Save for just about anything—a summer vacation, the newest gaming system or your special day.
- Open with $5 minimum balance.
- Earn dividends monthly.
- Use for Overdraft Protection.
- Member (I already have an account)
- Non-Member (I have not yet established an account.)
- Club Account 4
Plan ahead savings. You choose your maturity date for each Club Account. Funds are released annually so you can easily start saving for the next year.
- Open with a $5 deposit.
- Choose 6, 12 or 18 month terms.
- Make unlimited deposits.
- Select your annual maturity date.
- Save up to $10,000.
- Member (I already have an account)
- Non-Member (I have not yet established an account.)
- Money Market
Move with the market. Take advantage of an adjustable rate and the flexibility to withdraw funds at any time—without penalty.
- Open with a $2500 deposit.
- Earn higher variable rates for higher balances.
- Withdraw funds anytime with no minimum balance required.5
- Protect your checking account with Overdraft Protection.
- Trust funds federally insured by the NCUA.
- Member (I already have an account)
- Non-Member (I have not yet established an account.)
- Share Certificates
- Traditional Individual Retirement Account – IRA
Money improves with age. See what an investment of $1,000 will become over time. Your tomorrow awaits.
- Open with a $1000 deposit.
- Choose 12 to 60 month terms.
- Select from fixed and variable rate options.
- Defer taxes on earnings.7
- Make most contributions on a pre-tax basis.7
- Complete distributions by age 70½.
- Roth IRA
Long live your money. Put time on your side and start saving for retirement, educational needs or your first home—get started by putting $1,000 in your account.
- Open with a $1000 deposit.
- Choose 12 to 60 month terms.
- Select from fixed and variable rate options.
- Begin penalty-free distributions at age 59½.
- Take 100% tax-free distributions on the earnings and principal, after paying taxes on contributions.7
- Savings IRA
Start small, end with an IRA. 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.
- Open with a $5 deposit.
- Earn monthly dividends with variable rates and no set term.
- Pay no monthly service or transaction fees.
- Convert to an IRA or Coverdell ESA account once balance reaches $1000.
- Coverdell Education Savings Account – ESA
Need a textbook approach to saving for school? Start saving for your child’s education today. Use the money for tuition, books or other education-related expenses.
- Cover expenses for kindergarten through higher education.
- Open with a $1000 deposit.
- Select from fixed and variable rate options.
- Receive qualified distributions tax-free.7
- Grow contributions of up to $2000 per year, per child tax free.7
- Transfer unused funds to another family member
- Allow others to make contributions.
1Any month your account balance falls below the minimum monthly average daily balance of $200, your account will be assessed a $1 fee and dividends are forfeited. The average daily balance = total of each day’s ending balance, divided by number of days in the month. Dividends paid monthly. Please refer to our Truth-in-Savings and Electronic Services Disclosure and Agreement for specific details about this or any account.
2Any month your account balance falls below the minimum monthly average daily balance of $5, your account will be assessed a $1 fee and dividends are forfeited. The average daily balance = total of each day’s ending balance, divided by number of days in the month. Dividends paid monthly. Please refer to our Truth-in-Savings and Electronic Services Disclosure and Agreement for specific details about this or any account.
3Monthly Paper Statement Fee of $1 for each month eStatements is not deliverable.
4 $5 minimum balance to open. Dividends paid monthly. Please refer to our Truth-in-Savings and Electronic Services Disclosure and Agreement for specific details about this or any account.
5$2,500 minimum balance to open and earn dividends. Dividends paid monthly. Please refer to our Truth-in-Savings and Electronic Services Disclosure and Agreement for specific details about this or any account.
6 Substantial penalties for early withdrawal. Fees may reduce earnings on account.
7Substantial penalty for premature distribution and early withdrawal. Limitations apply to penalty-free distributions before age 59½. Please consult your tax advisor.
Dividends paid monthly. Please refer to our Truth-in-Savings and Electronic Services Disclosure and Agreement and Addendum to UNIFY Financial Credit Union’s Truth-in-Saving and Electronic Services Disclosure and Agreement, effective February 10, 2016.
