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.

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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%

    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 Rates

                  $500 Minimum to Earn APY
    Promotional
    Share Certificate Term
    Dividend 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%

    Learn More About Certificates   Open a Share Certificate

  • IRA Accounts

    IRAs1,5 (Traditional, Roth, and Coverdell)

                  $500 Minimum to Earn APY
    Promotional
    IRA Certificate Term
    Dividend 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%

    Learn More About IRA Savings  Open an IRA Savings

Make Your Money Grow at UNIFY!

Open an account

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. 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.

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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.

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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.

Get FREE Checking