Savings Rates and Terms

Rates and terms quoted below are subject to change without notice and are effective as of 8/25/2019

SAVINGS ACCOUNTS Minimum To Open Dividend Rate APY *
Regular Savings ` ^^^ $5 0.10% 0.10%
eSavings ` $5 0.10% 0.10%
Club Account ^ *** $5 0.10% 0.10%
CHECKING ACCOUNTS Minimum To Open Dividend Rate APY *
FREE Checking $25 0.00% 0.00%
eChecking ` ^^ $25 0.10% 0.10%
Premier Checking ` $2,000 0.10% 0.10%
Right Start Checking $25 0.00% 0.00%
MONEY MARKET ACCOUNT ** Dividend Rate APY *
$100,000 + 0.55% 0.55%
$50,000 - $99,999 0.55% 0.55%
$10,000 - $49,999 0.50% 0.50%
$2,500 - $9,999 0.45% 0.45%
SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 2.521% 2.55% 2.521% 2.55% 2.521% 2.55%
48-Month 2.472% 2.50% 2.423% 2.45% 2.374% 2.40%
36-Month 2.374% 2.40% 2.325% 2.35% 2.227% 2.25%
24-Month 2.178% 2.20% 2.129% 2.15% 2.031% 2.05%
12-Month 1.943% 1.96% 1.893% 1.91% 1.736% 1.75%
6-Month 1.490% 1.50% 1.440% 1.45% 1.391% 1.40%
3-Month 1.104% 1.11% 1.055% 1.06% 0.995% 1.00%
IRAS *** (Traditional, Roth and Coverdell) $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month Fixed 2.521% 2.55% 2.521% 2.55% 2.521% 2.55%
48-Month Fixed 2.472% 2.50% 2.423% 2.45% 2.374% 2.40%
36-Month Variable 1.780% 1.79% 1.780% 1.79% 1.780% 1.79%
36-Month Fixed 2.374% 2.40% 2.325% 2.35% 2.227% 2.25%
24-Month Fixed 2.178% 2.20% 2.129% 2.15% 2.031% 2.05%
18-Month Variable 2.150% 2.17% 2.150% 2.17% 2.150% 2.17%
12-Month Fixed 1.943% 1.96% 1.893% 1.91% 1.736% 1.75%
IRA SAVINGS (Traditional, Roth and Coverdell) Minimum To Open Dividend Rate APY *
IRA Savings (Traditional, Roth and Coverdell) Account $5 0.200% 0.20%
* APY = Annual Percentage Yield
` Fees may reduce earnings on account.
^ Funds automatically transferred to Primary Savings account upon maturity; Dividends compounded monthly.
^^ Average daily balance to earn dividends is $1,000. Dividends paid monthly. Please refer to our "Truth In Savings and Electronic Services Disclosure and Agreement" for specific details about any account.
** Balances less than $2,500 will earn Regular Savings rate.
*** Substantial penalty for early withdrawal.
† Must open account by May 30, 2019.
^^^ Minimum average daily balance required to earn dividends is $200. Dividends compounded and paid monthly.
‡ IRA= Individual Retirement Account. IRA Certificates 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.
§ APY = Annual Percentage Yield. Promotion expires on June 24, 2019. Promotional 13-Month Share Certificate must be funded with new money (not currently on deposit with UNIFY) and subsequent deposits are not permitted during certificate term. Dividends compounded and credited monthly. Quoted yield assumes dividends remain in account until maturity. No limit on number of promotional Share Certificates opened during the promotion period. Share Certificate will automatically renew into a 12-month term Fixed Rate Share Certificate upon maturity at the then-prevailing rate in effect, with a ten day grace period.
‘ Fees may reduce earnings on account.
*** Some conditions apply for penalty-free withdrawals. Early withdrawal penalties may apply if conditions not met, or for early withdrawals in excess of allotted penalty-free withdrawals. See Truth-in-Savings disclosure for details.
† Effective as of July 1, 2019
* APY= Annual Percentage Yield
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