Primary Savings Account

With your initial deposit of at least $5 to a Share Savings account, you become a member of Unity One Credit Union. As a member, you are an owner of the credit union and are eligible to use a wide variety of services. We offer a complete menu of insured savings products to help you best achieve your financial goals. You can elect to have immediate access to your cash with unlimited deposits and withdrawals or take advantage of our term certificate rates and tailor accounts to accomplish your long-term savings or investment goals.

To open an account, you will need 1) identification, 2) proof of residency 3) a copy of your social security card and 4) your $5 investment.

Security and Peace of Mind All savings deposits are federally insured to at least $250,000 and backed by the full faith and credit of the NCUA (National Credit Union Administration), an agency of the United States Government.

No Hassle Savings It is easy to build and grow your savings through automatic transfers. You can pay yourself first each payday by having a portion of your paycheck automatically transferred to your savings account. Ask your credit union representative about this easy process and other automatic savings plans.

The Safe, Smart Choice It's never too early to start planning for a financially secure future, and at Unity One, we're here to make it simple. If you're in the market for a savings account, or looking for a good investment, we're the answer. With a variety of alternatives to meet your needs, and highly competitive returns, our savings and investment options are tough to beat.

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High Yield Savings

Our High Yield Savings Account is an easy way to earn higher rates on your savings. You can't find a better investment for the liquid cash portion of your portfolio. You get a competitive above-market rate with convenient online and branch access to your account. Plus you get the quality member service only Unity One can offer. When you open a High-Yield Savings Account you'll receive all these benefits:

  • No monthly fees*
  • Low $10,000 minimum balance
  • Dividends paid monthly
  • NCUA insured to at least $250,000.00
  • Convenient access to your account online, by phone or at any branch.
  • Easy online transfers to and from your existing credit union accounts.
  • Multiple electronic options to set up automatic deposits to the account.


*No monthly fee for e-statement users. A $2 monthly fee applies for non e-statement users.

Learn more about our High Yield Savings Account Now

Money Markets

Looking to earn more on your savings but haven't accumulated a large sum? Our popular, high-interest money market savings account offers the flexibility of checking account combined with the security of NCUA insurance.

Money Market Savings Accounts are safe, flexible and convenient. It offers the stability of higher interest rates and the flexibility of a checking account. Unlike mutual funds and brokerage house money market accounts, the National Credit Union Administration (NCUA) insures your funds up to $250,000.00.

The more you invest, the more you earn! Our Money Market features three tiers that allow you to earn a higher yield on larger balances.

Tier Balance of:

  • 1- $2,500 - $4,999
  • 2- $5,000 - $9,999
  • 3- $10,000+


Terms and Conditions

  • $2,500.00 Minimum Balance
  • Regular share yield paid each day the account is below $2,500.00
  • Limit six (6) transfers or withdrawals per month, $18.00 for each one over six
  • Dividends are compounded and paid monthly



Secondary Savings Account

For members who would like a savings fund separate from their primary savings account, secondary savings accounts are also available. Open as many of these accounts as you like and set aside savings for something special. Our secondary savings account pays dividends quarterly, and there are no monthly service charges or hidden fees.

Saving Cents Saving Cents roundup program makes saving easy! Each time you use your Unity One debit card for a purchase or an ATM transaction, the transaction will be rounded up to the nearest dollar amount and the cents will be deposited to your designated savings account. Saving Cents is a convenient way to save and makes balancing your checking account easier.

Daily example:

  • debit card purchase of $6.75 (.25 cents saved)
  • debit card purchase of $19.60 (.40 cents saved)
  • debit card purchase of $11.10 (.90 cents saved)


At the end of the business day, $1.55 will be deposited to your designated savings.

For more information about visit our FAQ page.

To add Saving Cents to your checking account, log into Express Online Banking.

Don't have a Unity One Checking Account? Open a Unity One Best Free Checking

Custodial Savings Account

With a custodial account at Unity One, you can start putting money away for a child's future today. Whether you are a parent, grandparent, guardian, aunt or uncle, you can open a savings account for your favorite child under the child's Social Security number. For added convenience, you can make regular deposits through payroll deduction or by automatic transfer from your existing Credit Union account.

Holiday Savings Account

Our popular holiday savings account is a great way to put money aside for holiday shopping! You can put in as little as $10 per month and right before holiday shopping time, all your saved funds, plus your earned dividends, will be swept into your Primary Savings Account on November 1st.

Vacation Club Account

Our vacation club account is the perfect way to save for that trip you daydream about all year long. Just like our holiday savings account, you can put in as little as $10 per month and when the term is up, all your saved funds, plus your earned dividends, will be swept into your Primary Savings Account. For ultimate flexibility, we let you choose the maturity date for your term. For example, if you are going on a summer vacation in July, you would want to have your term mature in June or May. Plus, you can make regular deposits through payroll deduction or by automatic transfer from your existing Credit Union account.

CUNA Brokerage Services

Manage your investment portfolio with a full-service brokerage offering almost every kind of trade imaginable and tools to help you select the securities right for you. Please note: these products are 1) not federally insured, 2) not obligations of the credit union, 3) not guaranteed by the credit union, 4) involve investment risks, including the possible loss of principal, and (if applicable), 5) are offered by an employee who serves the functions of accepting member's deposits and selling non-deposit investment products.

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