Checking & Savings Rates

Competitive returns on your savings

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Competitive Savings, Checking, & Investment Rates

UNIFY Financial Credit Union offers checking accounts and savings accounts, plus high returns on money market accounts, share certificate accounts, and Traditional, Roth, and Coverdell IRAs.

 

  • Savings Account Rates

    Savings Account Rates

    Savings Accounts Minimum to Earn APY Dividend Rate APY*
    Regular Savings2,4 $5 0.100% 0.10%
    eSavings2,4 $5 0.100% 0.10%
    Club Account1,4 $5 0.100% 0.10%

    Learn More About Savings  Open a Savings Account

  • Checking Account Rates

    Checking Account Rates

    Checking Accounts Minimum to Earn APY Dividend Rate APY*
    FREE Checking3 n/a 0.000% 0.00%
    eChecking2,3 $1,000 0.050% 0.05%
    HY Checking2,3 $0 to 1,999.99 0.05% 0.05%
    $2,000 to $15,000 3.93% 4.00%
    $15,000+ 0.05% 0.05%
    Premier Checking2 $2,000 0.050% 0.05%
    Right Start Checking3 n/a 0.00% 0.00%

    Learn More About Checking  Open a Checking Account

  • Money Market Account Rates

    Money Market Account Rates

    Money Market Account Dividend Rate APY*
    $100,000 + 0.747% 0.75%
    $50,000 - $99,999 0.698% 0.70%
    $10,000 - $49,999 0.65% 0.65%
    $2,500 - $9,999 0.598% 0.60%

    Learn More About Money Markets  Open a Money Market Account

  • Share Certificate Rates

    Share Certificate Rates1

      $100,000 Minimum to Earn APY $40,000 Minimum to Earn APY $1,000 Minimum to Earn APY
    Share Certificate Term Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*
    60-Month 3.348% 3.40% 3.203% 3.25% 3.057% 3.10%
    48-Month 3.154% 3.20% 3.008% 3.05% 2.862% 2.90%
    36-Month 2.960% 3.00% 2.813% 2.85% 2.667% 2.70%
    24-Month 2.667% 2.70% 2.521% 2.55% 2.374% 2.40%
    12-Month 2.374% 2.40% 2.227% 2.25% 2.080% 2.10%
    6-Month 1.785% 1.80% 1.638% 1.65% 1.490% 1.50%
    3-Month 1.292% 1.30% 1.144% 1.15% 0.995% 1.00%

    Learn More About Certificates   Open a Share Certificate

  • IRA Accounts

    IRAs1,5 (Traditional, Roth, and Coverdell)

      $100,000 Minimum to Earn APY $40,000 Minimum to Earn APY $1,000 Minimum to Earn APY
    IRA Certificate Term Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*
    60-Month Fixed 3.348% 3.40% 3.203% 3.25% 3.057% 3.10%
    48-Month Fixed 3.154% 3.20% 3.008% 3.05% 2.862% 2.90%
    36-Month Variable 4.050% 4.13% 4.050% 4.13% 4.050% 4.13%
    36-Month Fixed 2.960% 3.00% 2.813% 2.85% 2.667% 2.70%
    24-Month Fixed 2.667% 2.70% 2.521% 2.55% 2.374% 2.40%
    18-Month Variable 4.830% 4.94% 4.830% 4.94% 4.830% 4.94%
    12-Month Fixed 2.374% 2.40% 2.227% 2.25% 2.080% 2.10%

    Learn More About IRAs  Open an IRA

     

    IRA4,5 Savings (Traditional, Roth, and Coverdell)

    Savings Accounts Minimum to Earn APY Dividend Rate APY*
    IRA Savings Account
    (Traditional, Roth and Coverdell) 
    $5 0.300% 0.30%

    Learn More About IRA Savings  Open an IRA Savings

Make Your Money Grow at UNIFY!

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Savings Goal Calculator

How much do I need to deposit monthly in order to reach my savings goal? 

Additional financial calculators     Open an Account

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Disclosures

^APY = Annual Percentage Yield. Promotion begins and rates effective as of January 5, 2023. Promotional 15-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 and penalty may be imposed for early withdrawal. 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. Additional terms, rates, and minimum balances available.
1Initial opening online deposits for Share Certificates have a maximum deposit limit of $54,000. However, one additional deposit can be made into this promotional 15-Month Share Certificate within the first 30-days of account opening. This additional one-time deposit may be made in a branch, or by mail.
2Opening a Share Certificate may not be available for some customers for Online Banking. Call 877.254.9328 to get started.

*APY = Annual Percentage Yield. Please refer to our Consumer Share Rates and Truth-In-Savings Disclosure for specific details about any account.
1Substantial penalty for early withdrawal. 
2Fees may reduce earnings on account. 
3Minimum opening deposit is $25. 
4Minimum opening deposit is $5. 
5IRAs have IRS-imposed contribution limits and tax implications, consult your tax advisor. The rate and APY of Variable Rate IRA Certificates may change during the term of the account. 

UnifyFCU.com | Insured by NCUA.

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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.

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