Savings Accounts

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



Start saving

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.

Disclosures

*APY = Annual Percentage Yield.

**HSA funds used for anything but qualified medical expenses are subject to taxation and a 20% penalty. It is up to you to determine whether you are paying for a qualified medical expense and to keep appropriate records for the IRS. (Qualified medical expenses are partially defined in IRS Publication 502.)

Please note: Unitus Community Credit Union does not provide tax advice, and nothing in this section should be construed as tax advice. Before acting on this information, consult your own accountant or tax advisor.

Your savings are federally insured to at least $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a U.S. government fund managed by the National Credit Union Administration (NCUA).

For share savings and money market accounts, if applicable, Regulation D allows you to make up to six (6) preauthorized, automatic (using uOnline or an overdraft protection transfer), telephonic (including telephone and fax), or audio response (using Telephone Express Teller) transfers to another account of yours or to a third party during any statement period. For more details, please see the Membership Account Agreement.

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