Rates for Consumer and Business Accounts

Effective as of 5/15/2017 and are subject to change

Primary Savings Account 1

  • 0.10% APY
  • Quarterly Compounded/Credited Period
  • $5 Minimum Opening Deposit
  • $5 Minimum Balance to APY
  • Daily Balance is the Calculation Method

Free Checking Account $500-$2,499.99 2

  • 0.00% APY
  • Monthly Compounded/Credited Period
  • $0 Minimum Opening Deposit
  • $2,500 Minimum Balance to APY
  • Daily Balance is the Calculation Method

Free Checking Account $2,500+ 2

  • 0.05% APY
  • Monthly Compounded/Credited Period
  • $0 Minimum Opening Deposit
  • $2,500 Minimum Balance to APY
  • Daily Balance is the Calculation Method

Clean Start Checking Account 2

  • 0.00% APY
  • $50 Minimum Opening Deposit

Secondary Savings Account 1

  • 0.10% APY
  • Quarterly Compounded/Credited Period
  • $1 Minimum Opening Deposit
  • $1 Minimum Balance to APY
  • Daily Balance is the Calculation Method

IRA Savings Account 3

  • 0.15% APY
  • Quarterly Compounded/Credited Period
  • $1 Minimum Opening Deposit
  • $1 Minimum Balance to APY
  • Daily Balance is the Calculation Method

High Yield Savings Account, IRA High Yield Savings Account 5

  • 0.50% APY
  • Monthly Compounded/Credited Period
  • $10,000 Minimum Opening Deposit
  • $10,000 Minimum Balance to APY
  • Daily Balance is the Calculation Method

Money Market Account $0-$2,499.99 4

  • 0.10% APY
  • Monthly Compounded/Credited Period
  • $2,500 Minimum Opening Deposit
  • $0.01 Minimum Balance to APY
  • Daily Balance is the Calculation Method

Money Market Account $2,500-$4,999.99 4

  • 0.17% APY
  • Monthly Compounded/Credited Period
  • $2,500 Minimum Opening Deposit
  • $0.01 Minimum Balance to APY
  • Daily Balance is the Calculation Method

Money Market Account $5,000 - $9,999.99 4

  • 0.24% APY
  • Monthly Compounded/Credited Period
  • $2,500 Minimum Opening Deposit
  • $0.01 Minimum Balance to APY
  • Daily Balance is the Calculation Method

Money Market Account $10,000 + 4

  • 0.30% APY
  • Monthly Compounded/Credited Period
  • $2,500 Minimum Opening Deposit
  • $0.01 Minimum Balance to APY
  • Daily Balance is the Calculation Method

Limitations on Accounts (also see section F below)

1 Transfer limits
2 No transfer limits
3 IRA withdrawal limits apply
4 Withdrawal and transfer limits apply.
5 Rate is variable and subject to change. No monthly service charge if your account falls below $10,000. You will not earn dividends if your account falls below $10,000. Terms and conditions of this offer are subject to change without notice. Withdrawal limitations apply. Maximum of six electronic withdrawals a month allowed per Federal Regulation D. E-statement required with a High Yield Savings Account. You will be assessed a $2 fee per month if you opt-out or cancel your E-Statement service. (IRA/Roth IRA High-Yield Savings notice: withdrawal limits apply and may be subject to IRS penalties. Consult your Tax Advisor for guidance.)

Holiday Savings Account 6

  • 0.15% APY
  • Annually Compounded/Credited Period

Vacation Club Account 6

  • 0.10%% APY
  • Monthly Compounded/Credited Period

Limitations on Accounts (also see section F below)

6 Minimum opening deposit of $10.00. Unlimited additional deposits. Minimum add-on amount of $10.00 per month. No withdrawals allowed. Renewed automatically. Convertible feature not available.

Term**: 6 Months 7

  • 0.40% APY
  • $1,000 Minimum Opening Deposit
  • Additional Deposits* - One
  • No Convertible Feature**

Term**: 1 Year 7

  • 0.60% APY (for a limited time only)
  • $500 Minimum Opening Deposit
  • Additional Deposits* - One
  • No Convertible Feature**

Term**: 18 Months 7

  • 0.70% APY
  • $500 Minimum Opening Deposit
  • Additional Deposits* - One
  • No Convertible Feature**

Term**: 2 Years 7

  • 0.90% APY
  • $500 Minimum Opening Deposit
  • Additional Deposits* - Once per 12 Months
  • No Convertible Feature**

Term**: 3 Years 7

  • 1.25% APY
  • $500 Minimum Opening Deposit
  • Additional Deposits* - Once per 12 Months
  • No Convertible Feature**

Added Certificate Features:

*Add-On to Your Balance. You can add-on to your balance of your certificate one time per full year (12 months) throughout the term of your certificate. That means that a 6-month to 23-month certificate can add-on once; a 24-month to 35-month certificate can add-on twice; a 36-month to 47-month can add-on three times; and a 48-month certificate can add-on four times. Each time you add-on, the amount is limited to a minimum of $500.00 and a maximum of the original value of the certificate.

**Name Your Own Term. You can set your certificate with a term that best suits your needs. The term must be set in full-month increments and cannot be less than 6 months or greater than 4 years. The rate you receive is the same as the rate of the certificate preceding it. For example, a 10 month certificate will earn the 6-month rate and a 40-month certificate will would earn the 3-year rate.

***Bump Up Privilege. If Unity One certificate rates go up any time during the term of your 2- or 3-year certificate, you have a one-time privilege to convert to the higher rate for the remainder of the term. You should notify us in writing and we will convert your rate immediately.

Special 15-month term and rate is offered only during promotional periods and is only for a limited time. Nonrenewable term. Upon maturity, funds and earned dividends will be renewed into a 1-year savings certificate unless you notify us otherwise.

Limitations on Accounts (also see section F below)

Dividends compound quarterly. Dividends credited quarterly. Quarterly dividend period. Minimum add-on amount of $500.00. Maximum add-on amount is equal to the original value of the certificate. Withdrawals not allowed. Renewed automatically. Early withdrawal penalties apply.

Autos, Boats, and Motor Homes New and Used Model Years '10 and newer
Maximum loan term on '10 - '11 models is 48 months

  • 2.20% APR* Terms: Payback time up to 36 months
  • 2.45% APR* Terms: Payback time up to 48 months
  • 2.65% APR* Terms: Payback time up to 66 months
  • 3.35% APR* Terms: Payback time up to 75 months (minimum $15,000)

Autos, Boats, and Motor Homes Used Models Year 2010

  • 7.05% APR* Terms: Payback time up to 36 months

Motorcycles New Model Years '15-'17

  • 5.80% APR* Terms: Payback time up to 60 months

Motorcycles Used Model Years '12-'14

  • 7.80% APR* Terms: Payback time up to 48 months

Visa Gold Credit Card

  • 7.90% APR* Terms: No annual, cash advance or balance transfer fees.
    Credit limits from $500 - $20,000.

Visa Classic Credit Card

  • 11.90% APR* Terms: No annual, cash advance or balance transfer fees.
    Credit limits up to $7,500.

Savings Secured Visa Credit Card For members rebuilding credit.

  • 13.90% APR* Terms: No annual or cash advance fees.
    Credit limits up to $500 with $1,000 secured.

Starter Visa Credit Card For members 18 - 22 years of age with no credit history.

  • 17.90% APR* Terms: No annual or cash advance fees.
    Credit limits of $500.

Mortgage For members 18 - 22 years of age with no credit history.

Home Equity Line of Credit (HELOC)

  • Variable

    Savings Certificate Secured

    • 4.00%* APR* Terms: *APR for this type of loan is 2% above Account Dividend
      Rate up to 36 months with a floor rate of 4.00%.

    Line of Credit

    • 13.00% APR* Terms: You can transfer funds from your line of credit
      to pay your checking or savings account.

    Signature/Personal

    • 8.99% APR* Terms: Payback time up to 24 months.
    • 9.99% APR* Terms: Payback time up to 36 months.
    • 11.99% APR* Terms: Payback time up to 48 month.

    Lifestyle

    • 8.99% APR* Terms: Payback time up to 24 months.
    • 9.99% APR* Terms: Payback time up to 36 months.
    • 11.99% APR* Terms: Payback time up to 48 month.

    Cash Advance Loan

    • 18.00% APR* Terms: Payback monthly, semi-monthly, weekly or bi-weekly.

*APR = Annual Percentage Rate. APR quoted "as low as" and are subject to change. Must qualify for the lowest rate. Payments on a Home Equity Closed End Loan of $15,000 financed at 4.25% APR for 60 months would be $277.94 per month or $18.53 per $1,000 borrowed. The term of repayment effects the monthly payment obligation. Home Equity Loans are not available in all states. Unity One Credit Union currently offers Home Equity Loans in the following states: Minnesota, Wisconsin and Texas.

Account Disclosure

A. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield may change at the discretion of the Credit Union's Board of Directors.

B. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves. The Dividend Rate and Annual Percentage Yields are prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

C. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period for each account is set forth above. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

D. Accrual of Dividends and Effect of Closing an Account. Dividends will begin to accrue on deposits on the business day you make the the deposit to your account. If you close your account before a dividend payment date, we will not pay your dividends which have accrued for that dividend period.

E. Balance Requirement. The minimum balance required to open each account is set forth above. Dividends are calculated by applying a daily periodic rate to the principle in the account each day. Dividends are not paid on any day that the above stated minimum balance to earn APY is not in the account.

F. Limitations on Account. The account limitations for each account are set forth above. Per Regulation D, for a savings account in which transfer limitations apply, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours during a monthly period (monthly period being the first day of the month to the last day of the month). If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union. The IRS imposes certain restrictions on withdrawals and transfers from IRA accounts. Please see a credit union representative for details. For the Money Market Account, no more than six (6) preauthorized (including check clearings), automatic, telephone, or in-person transfers or withdrawals are allowed. If you exceed the transfer and withdrawal limitations set forth above in any statement period, you will be subject to a $18 excessive withdrawal fee per incident over six (6).

G. Click here for more VISA disclosures.