*Effective date: February 26, 2024. All rates are subject to change without notice. Annual Percentage Yield is APY.
CHECKING |
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|---|---|---|---|
| Product | Minimum Balance Required to Receive APY | Interest Rate | APY |
| AZ Ultimate Money Market Checking | $0.00 – $250,000.00 | 2.00% | 2.02% |
| AZ Ultimate Money Market Checking | $250,000.01 and over | 3.00% | 2.02%-3.04% |
| Unison AZ Money Market Checking | $0.00 | 0.03% | 0.03% |
| Unison AZ Money Market Checking | $50,001.00 | 0.03% | 0.03% |
| Unison AZ Money Market Checking | $100,001.00 | 0.07% | 0.07% |
| Unison AZ Money Market Checking | $250,001.00 | 0.07% | 0.07% |
| Unison AZ Money Market Checking | $500,001.00 | 0.07% | 0.07% |
| Unison AZ Money Market Checking | $999,999.00 | 0.10% | 0.10% |
- Unison Money Market Checking:The interest rate and APY for your account depend upon the applicable rate tier. The interest rate and APY for these tiers may change at our discretion at any time after account opening. The minimum deposit for opening an account is $1,000.00. A maintenance fee of $10.00 will be imposed for every statement cycle the balance in the account falls below $1,000.00. Fees could reduce the earnings on the account. The interest will be compounded and credited monthly.
- Ultimate Money Market Checking: Available only in Arizona. The interest rate and APY for your account depend upon the applicable rate tier. The interest rate and APY for these tiers may change at our discretion at any time after account opening. The minimum deposit for opening an account is $5,000.00. A maintenance fee of $20.00 will be imposed for every statement cycle the balance falls below $5,000.00. When a daily average available account balance of $0 – $250,000.00 is maintained, the interest rate is 2.00% with a corresponding APY of 2.02%. For any day that the daily average available account balance is greater than $250,000.00, a rate of 3.00% will apply and the corresponding APY range for this rate is 2.02% to 3.04%. Other fees may apply for business accounts. Fees may reduce earnings. The interest will be compounded and credited monthly. Other account requirements apply.
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SAVINGS |
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|---|---|---|---|
| Product | Minimum Balance Required to Receive APY | Interest Rate | APY |
| Unison AZ Savings | $0.00 | 0.03% | 0.03% |
| Unison AZ Savings | $10,001.00 | 0.03% | 0.03% |
| Unison AZ Savings | $25,001.00 | 0.03% | 0.03% |
| Unison AZ Savings | $50,001.00 | 0.05% | 0.05% |
| Unison AZ Savings | $100,001.00 | 0.07% | 0.07% |
| Unison AZ Savings | $150,001.00 | 0.10% | 0.10% |
| Unison Unisaver Savings | $0.00 | 1.00% | 1.00% |
| Unison Unisaver Savings | $5,001.00 | 0.75% | 0.75% |
- Unison Savings: The interest rate and APY for your account depend upon the applicable rate tier. The interest rate and APY for these tiers may change at our discretion at any time after account opening. The minimum deposit for account opening is $200.00. A maintenance fee of $2.00 will be imposed every month if the account falls under $200.00 any day of the month. Fees could reduce the earnings on the account. The interest will be compounded and credited quarterly. If you are over the age of 62, a minor, or a student under the age of 25 the maintenance fee will be waived.
- Unison Unisaver Savings: The interest rate and APY for your account depend upon the applicable rate tier. The interest rate and APY for these tiers may change at our discretion at any time after account opening. The interest will be compounded and credited quarterly. This account is specifically designed for children 18 years old or younger. After age 19 this account reverts to a Unison Savings account.
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CERTIFICATES OF DEPOSIT |
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|---|---|---|---|
| Minimum Balance Required to Open | Term | Interest Rate | APY |
| $2,500.00 | 6 Months | 5.00% | 5.06% |
| $10,000.00 | 7 Months | 2.00% | 2.01% |
| $25,000.00 | 10 Months | 3.50% | 3.51% |
| $2,500.00 | 12 Months | 4.25% | 4.25% |
| $2,500.00 | 15 Months | 4.25% | 4.26% |
| $500.00 | 18 Months | 3.50% | 3.51% |
| $2,500.00 | 24 Months | 2.50% | 2.50% |
| $500.00 | 30 Month | 2.00% | 2.00% |
| $2,500.00 | 36 Month | 2.00% | 2.00% |
| $2,500.00 | 48 Month | 2.00% | 2.00% |
| $2,500.00 | 60 Months Uniflex | 2.00% | 2.00% |
- 6 months: The interest is compounded and credited semi-annually. Fees could reduce the earnings on the account. A penalty will be imposed for early withdrawals and will be equal to three months’ interest on the amount withdrawn.
- 7 & 10 months: The interest is compounded and credited at maturity. Fees could reduce the earnings on the account. A penalty will be imposed on early withdrawals and will be equal to seven days’ interest on the amount withdrawn if the withdrawal is made within the first six days after the deposit.
- 12, 15 & 18 months: The interest is compounded and credited annually. Fees could reduce the earnings on the account. An early withdrawal penalty will be imposed and will be equal to six month’s interest on the amount withdrawn from the 12 & 18 month Certificate of Deposit. An early withdrawal penalty will be imposed and will be equal to 180 days’ interest on the amount withdrawn from the 15 month Certificate of Deposit.
- 24, 30, 36 & 48 months: The interest is compounded and credited annually. Fees could reduce the earnings on the account. A penalty will be imposed on early withdrawals and will be equal to twelve months’ interest on the amount withdrawn.
- 60 months Uniflex: At your discretion, you may one time during the term of the CD exchange your interest rate for a new interest rate. The new interest rate will be the interest rate we are offering on an equal term to the original term. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. The interest is compounded and credited annually. Fees could reduce the earnings on the account. A penalty will be imposed on early withdrawals and will be equal to twelve months’ interest on the amount withdrawn.
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IRA SAVINGS |
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|---|---|---|---|---|
| Product | Term | Interest Rate | APY | |
| Six Month | 6 Month | 2.50% | 2.53% | |
| Twelve Month | 12 Month | 3.00% | 3.04% | |
| Eighteen Month | 18 Month | 3.10% | 3.14% | |
| Twenty-Four Month | 24 Month | 3.20% | 3.25% | |
| Thirty-Six Month | 36 Month | 3.30% | 3.35% | |
| Forty-Eight Month | 48 Month | 3.40% | 3.45% | |
| Sixty Month | 60 Month | 3.50% | 3.56% | |
- 6 months: The interest is compounded and credited semi-annually. Fees could reduce the earnings on the account. A penalty will be imposed for early withdrawals and will be equal to three months’ interest on the amount withdrawn.
- 7 & 10 months: The interest is compounded and credited at maturity. Fees could reduce the earnings on the account. A penalty will be imposed on early withdrawals and will be equal to seven days’ interest on the amount withdrawn if the withdrawal is made within the first six days after the deposit.
- 12, 15 & 18 months: The interest is compounded and credited annually. Fees could reduce the earnings on the account. An early withdrawal penalty will be imposed and will be equal to six month’s interest on the amount withdrawn from the 12 & 18 month Certificate of Deposit. An early withdrawal penalty will be imposed and will be equal to 180 days’ interest on the amount withdrawn from the 15 month Certificate of Deposit.
- 24, 30, 36 & 48 months: The interest is compounded and credited annually. Fees could reduce the earnings on the account. A penalty will be imposed on early withdrawals and will be equal to twelve months’ interest on the amount withdrawn.
- 60 months Uniflex: At your discretion, you may one time during the term of the CD exchange your interest rate for a new interest rate. The new interest rate will be the interest rate we are offering on an equal term to the original term. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. The interest is compounded and credited annually. Fees could reduce the earnings on the account. A penalty will be imposed on early withdrawals and will be equal to twelve months’ interest on the amount withdrawn.
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