Savings Accounts

Short-term, long-term, and anything in between — grow your money your way.

Savings Options

Money Market Accounts

Best Rate: 0.05% APY*

  • Like a savings account, but earns more
  • Easy access to your money
  • The more money you deposit, the higher the return
  • Must keep a minimum balance to remain free

Special Savings

Best Rate: 0.01% APY*

  • The account to track your specific goal, whether it’s next year’s family trip, your next holiday gifting fund, or your rainy day fund.
  • Hit your savings goals effortlessly with automatic transfer from your paycheck
  • Name your account anything: have some fun while you keep your goal top of mind

Health Savings Accounts

Best Rate: 0.05% APY*

  • Use it tax-free for qualifying medical expenses**
  • Your funds never expire; they grow tax-free through dividend earnings
  • Comes with HSA debit card


Digital banking to help you save, budget, and manage your money 24/7

  • Build budgets and savings goals to keep your money organized
  • Spend responsibly with instant spending notifications
  • Deposit checks in moments with your smartphone. Snap a photo and you’re done!
  • Instantly move money to other Unitus members or to savings accounts

Download on the App StoreGet it on Google Play

Which Long-term Savings tool fits your plans?

Certificates of Deposit (CD)

Best Rate: 0.15% APY*

  • Earns more interest than a regular savings account
  • Choose a term that works for you, from 6-60 months
  • Best if you don’t need immediate access to your money

Ready to save? Open a CD right in online banking.

A couple sitting on a patio chair using tablet

Individual Retirement Accounts (IRAs)

Best Rate: 0.15% APY*

  • Roth and Traditional IRAs available
  • Cover education expenses with a tax-advantaged Coverdell Education Savings Account
  • Save more with these tax-advantaged retirement accounts (consult a tax advisor)

Ready to open your IRA! Email us, stop by your local branch, or call 503-227-5571.

Reach your savings goals on your terms.

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