North Dakota Rates

CHECKING

Product Minimum Balance Required to Receive APY APY Interest Rate
Unison ND Money Market Checking $0.00 0.03% 0.03%
Unison ND Money Market Checking $50,001.00 0.03% 0.03%
Unison ND Money Market Checking $100,001.00 0.07% 0.07%
Unison ND Money Market Checking $250,001.00 0.07% 0.07%
Unison ND Money Market Checking $500,001.00 0.07% 0.07%
Unison ND Money Market Checking $999,999.00 0.10% 0.10%
  • Interest rates and annual percentage yield (APY) effective as of March 6, 2023.
  • The interest rate and APY may change after account opening. Fees could reduce the earnings on the account.
  • The interest on this account is compounded monthly and credited monthly.
  • Learn more.

SAVINGS

Product Minimum Balance Required to Receive APY APY Interest Rate
Unison Unisaver Savings $0.00 1.00% 1.00%
Unison Unisaver Savings $5,001.00 0.75% 0.75%
Unison ND Savings $0.00 0.03% 0.03%
Unison ND Savings $10,001.00 0.03% 0.03%
Unison ND Savings $25,001.00 0.03% 0.03%
Unison ND Savings $50,001.00 0.05% 0.05%
Unison ND Savings $100,001.00 0.07% 0.07%
Unison ND Savings $150,001.00 0.10% 0.10%
  • Must be 18 years old or younger to acquire a Unison Unisaver Savings Account.
  • Interest rates and annual percentage yield (APY) effective as of March 6, 2023.
  • The interest rate and APY may change after account opening. Fees could reduce the earnings on the account.
  • The interest on this account is compounded quarterly and credited quarterly.
  • Learn more.

CERTIFICATES OF DEPOSIT

Minimum Balance Required to Open Term APY Interest Rate
$2,500.00 6 Months 1.25% 1.25%
$10,000.00 7 Months 1.76% 1.75%
$50,000.00 10 Months 2.76% 2.75%
$2,500.00 12 Months 3.25% 3.25%
$2,500.00 15 Months 4.36% 4.35%
$500.00 18 Months 3.51% 3.50%
$2,500.00 24 Months 2.50% 2.50%
$500.00 30 Months 2.00% 2.00%
$2,500.00 36 Months 2.00% 2.00%
$2,500.00 48 Months 2.00% 2.00%
$2,500.00 60 Months Uniflex 2.00% 2.00%

6 Months

  • Interest rates and annual percentage yield (APY) effective as of March 6, 2023.
  • The interest is compounded semiannually and credited semi-annually. Fees could reduce the earnings on the account.
  • An early withdrawal penalty will be imposed and will equal three month’s interest on the amount withdrawn.
  • Learn more.

7 Months

  • Interest rates and annual percentage yield (APY) effective as of March 6, 2023.
  • The interest is compounded at maturity and credited at maturity. Fees could reduce the earnings on the account.
  • An early withdrawal penalty will be imposed and will equal seven days’ interest on the amount withdrawn if the withdrawal is made within the first six days after the deposit.
  • Learn more.

10 Months

  • Interest rates and annual percentage yield (APY) effective as of March 6, 2023.
  • The interest is compounded at maturity and credited at maturity. Fees could reduce the earnings on the account.
  • An early withdrawal penalty will be imposed and will equal seven days’ interest on the amount withdrawn if the withdrawal is made within the first six days after the deposit.
  • Learn more.

12 Months, 15 Months & 18 Months 

  • Interest rates and annual percentage yield (APY) effective as of March 6, 2023.
  • The interest is compounded annually and credited annually. Fees could reduce the earnings on the account.
  • An early withdrawal penalty will be imposed and will equal six month’s interest on the amount withdrawn.
  • Learn more.

All Others

  • Interest rates and annual percentage yield (APY) effective as of March 6, 2023.
  • The interest is compounded annually and credited annually. Fees could reduce the earnings on the account.
  • An early withdrawal penalty will be imposed and will equal twelve month’s interest on the amount withdrawn.
  • Learn more.

 

IRA SAVINGS

Product Term APY Interest Rate
Six Month 6 Months 2.53% 2.50%
Twelve Month 12 Months 3.04% 3.00%
Eighteen Month 18 Months 3.14% 3.10%
Twenty-Four Month 24 Months 3.25% 3.20%
Thirty-Six Month 36 Months 3.35% 3.30%
Forty-Eight Month 48 Months 3.45% 3.40%
Sixty Month 60 Months 3.56% 3.50%

6 Months

  • Interest rates and annual percentage yield (APY) effective as of March 6, 2023.
  • The interest is compounded quarterly and credited quarterly. Fees could reduce the earnings on the account.
  • An early withdrawal penalty will be imposed and will equal one month’s interest on the amount withdrawn.
  • $50 minimum opening deposit required.
  • Learn more.

All Others

  • Interest rates and annual percentage yield (APY) effective as of March 6, 2023.
  • The interest is compounded quarterly and credited quarterly. Fees could reduce the earnings on the account.
  • An early withdrawal penalty will be imposed and will equal three month’s interest on the amount withdrawn.
  • $50 minimum opening deposit required.
  • Learn more.