Savings Accounts

Keep a little more in your account and start earning dividends right away.

• Open with a $5 minimum balance.⁴
• Earn dividends with a $200 average daily balance.¹
• Choose paper or go paperless, with eStatements.³

Open Account

Save green. Be green. Consider our conservation alternative to a Regular Savings Account.

• Earn dividends 
• Go paperless eStatements.³

Open Account

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.

Open Account

Did you spend a bit too much over the holidays and vow things would be different next time? We’ve got your back—with a UNIFY Club Account you could put money aside to make sure you’re ready for next holiday season.

• Open with only a $5 deposit
• Choose between 6, 12 or 18-month terms
• Choose your own annual maturity date
• Make unlimited deposits whenever

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.
• Funds federally insured by the NCUA.

Open Account

Forget the unknowns when you invest in a Share Certificate. You choose the deposit amount, the term and the rate. Lock it in and save. As long as you don’t withdraw, it’s low risk and high yield.

• Open with a $1000 deposit.
• Choose 3 to 60 month terms;⁶ longer terms mean higher rates.
• Earn fixed monthly dividends.⁶
• Pay no monthly service or transaction fees.
• Funds federally insured by the NCUA.
• View UNIFY's Share Certificate plans.

Open Account

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.
• Possible deferment of taxes on earnings. Please consult your tax advisor.⁷
• Make most contributions on a pre-tax basis.⁷
• Required Minimum Distributions start at age 72.

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

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.

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.