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Savings Accounts

Saving Made Simple

Make the most of your UNIFY Savings Accounts

All of our UNIFY Savings Accounts are great on their own, but it’s easy to make them even better. Combined with Direct Deposit and an ATM Card, you get unparalleled access to your funds!

We encourage you to take a look at our wide-variety of savings options—then, choose the account that works for you. We’re also happy to offer a helping hand.

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!

Do you have a special goal for your savings, such as funding a vacation?
Yes
No
Can you forgo withdrawals for 12 months to receive a higher rate?
Yes
No
Can you forgo withdrawals for 12 months to receive a higher rate?
Yes
No
Are you willing to carry an average daily balance of $200?
Yes
No
Are you willing to carry a $2,500 minimum balance to earn dividends and other rewards?
Yes
No
We Recommend:
Special Savings
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We Recommend:
Club Account
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We Recommend:
Regular Savings
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We Recommend:
eSavings
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  • Regular Savings Account

    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
  • 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.3
  • Special Savings Account4

    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.
  • Club Account4,6

    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
  • 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.
    • Funds federally insured by the NCUA.
  • Share Certificates

    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.
  • 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.
    • 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.
  • 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
  • IRA Savings

    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.
    • Qualified contributions grow tax-free until distributed.8
    • Distributions for qualified education expenses may be tax-free.9
    • Transfer unused funds to another family member
    • Allow others to make contributions.

Disclosures & Agreements

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 Consumer Share Rates and Truth-In-Savings Disclosure 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 Consumer Share Rates and Truth-In-Savings Disclosure 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 Consumer Share Rates and Truth-In-Savings Disclosure 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 Consumer Share Rates and Truth-In-Savings Disclosure for specific details about this or any account.

6Substantial 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.

8Income and annual contribution limits apply. Please consult your tax advisor. 

9'Qualified education expenses' determined by the IRS. Please consult your tax advisor.

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