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.
Earn 5.00% APY^
Open the 9-Month Certificate at 5.00% APY^
- 9-month term
- $500 minimum balance
- Make one additional deposit within 30 days of opening^
- 9-month IRA Certificate option available when opening at a UNIFY branch^^
New to UNIFY? No Problem. Already a UNIFY Member?
Open an account & certificate Open Certificate in eBanking
-
Savings Account Rates
Savings Account Rates
Savings Accounts Minimum to Earn APY Dividend Rate APY* Regular Savings2,4 $200 0.100% 0.10% eSavings2,4 $5 0.100% 0.10% Club Account1,4 $5 0.100% 0.10% -
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% -
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% -
Share Certificate Rates
Share Certificate Rates1
$500 Minimum to Earn APY Promotional
Share Certificate TermDividend Rate APY^ 9-Month 4.889% 5.00% $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 3.445% 3.50% 3.445% 3.50% 3.445% 3.50% 3-Month 3.445% 3.50% 3.445% 3.50% 3.445% 3.50% -
IRA Accounts
IRAs1,5 (Traditional, Roth, and Coverdell)
$500 Minimum to Earn APY Promotional
IRA Certificate TermDividend Rate APY^ 9-Month 4.889% 5.00% $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 4.090% 4.17% 4.090% 4.17% 4.090% 4.17% 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%
Make Your Money Grow at UNIFY!
Open an accountSavings Goal Calculator
How much do I need to deposit monthly in order to reach my savings goal?
UNIFY University: Your Money
Disclosures
^APY = Annual Percentage Yield. 9-month promotional rate effective April 4, 2023. Promotional share certificates must be funded with a minimum of $500. Fees or withdrawals may reduce earnings on account and penalties 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. Share certificates opened online have a maximum deposit of $54,000. One additional deposit is permitted within the first 30 days of account opening, but deposit must be made in a branch or by mail. Opening a Share Certificate in online banking may not be available for some members. Call 877.254.9328 to get started.
^^IRA = Individual Retirement Account. Substantial penalty for early withdrawal. Fees may reduce earnings on account. IRAs may have IRS-imposed contribution limits and tax implications, especially for premature distributions. Consult a tax advisor to determine what applies to your individual situation. Additional paperwork may be required to open the IRA certificate. Open at a branch.
*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.
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
FREE Checking
Yep… we said FREE. Convenient and flexible, our FREE Checking account is the no-fuss way to manage your money.
Get FREE CheckingThanks For Exploring All UNIFY Has To Offer!
You’re now leaving the UNIFY Financial Credit Union website for a third-party site that services our members. Don’t Panic! We just wanted to let you know that their privacy and security policies might differ from ours, and give you the option to continue. Thanks again for visiting UNIFY…come back soon!
