*Effective date: March 10, 2025. 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 |
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| Unison ND Money Market Checking | $0.00 | 0.03% | 0.03% |
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| Unison ND Money Market Checking | $50,001.00 | 0.03% | 0.03% |
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| Unison ND Money Market Checking | $100,001.00 | 0.07% | 0.07% |
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| Unison ND Money Market Checking | $250,001.00 | 0.07% | 0.07% |
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| Unison ND Money Market Checking | $500,001.00 | 0.07% | 0.07% |
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| Unison ND Money Market Checking | $999,999.00 | 0.10% | 0.10% |
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- 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 to open an account is $1,000.00. A maintenance fee of $10.00 will be imposed 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.
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SAVINGS |
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| Product | Minimum Balance Required to Receive APY | Interest Rate | APY |
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| Unison Unisaver Savings | $0.00 | 1.00% | 1.00% |
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| Unison Unisaver Savings | $5,001.00 | 0.75% | 0.75% |
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| Unison ND Savings | $0.00 | 0.03% | 0.03% |
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| Unison ND Savings | $10,001.00 | 0.03% | 0.03% |
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| Unison ND Savings | $25,001.00 | 0.03% | 0.03% |
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| Unison ND Savings | $50,001.00 | 0.05% | 0.05% |
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| Unison ND Savings | $100,001.00 | 0.07% | 0.07% |
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| Unison ND Savings | $150,001.00 | 0.10% | 0.10% |
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- 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 |
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| $2,500.00 | 6 Months | 4.00% | 4.04% |
| $10,000.00 | 7 Months | 2.00% | 2.02% |
| $25,000.00 | 10 Months | 3.00% | 3.01% |
| $2,500.00 | 12 Months | 3.75% | 3.75% |
| $2,500.00 | 15 Months | 3.50% | 3.51% |
| $500.00 | 18 Months | 3.25% | 3.26% |
| $2,500.00 | 24 Months | 2.75% | 2.75% |
| $500.00 | 30 Months | 2.50% | 2.50% |
| $2,500.00 | 36 Months | 2.50% | 2.50% |
| $2,500.00 | 48 Months | 2.50% | 2.50% |
| $2,500.00 | 60 Months Uniflex | 2.50% | 2.50% |
- 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 months’ 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 |
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| Six Month | 6 Months | 2.50% | 2.53% |
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| Twelve Month | 12 Months | 3.00% | 3.04% |
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| Eighteen Month | 18 Months | 3.10% | 3.14% |
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| Twenty-Four Month | 24 Months | 3.20% | 3.25% |
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| Thirty-Six Month | 36 Months | 3.30% | 3.35% |
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| Forty-Eight Month | 48 Months | 3.40% | 3.45% |
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| Sixty Month | 60 Months | 3.50% | 3.56% |
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- 6 months: A minimum deposit of $50.00 is required to open a 6 month IRA or KEOGH Certificate of Deposit APY. The interest is compounded and credited quarterly. Fees could reduce the earnings on the account. A penalty will be imposed on early withdrawals and will be equal to one months’ interest on the amount withdrawn. Early withdrawal penalty is waived after age 59 1/2.
- 12 & 24 months: A minimum deposit of $50.00 is required to open a 12 & 24 month IRA Certificate of Deposit APY. The interest is compounded and credited quarterly. Fees could reduce the earnings on the account. A penalty will be imposed on early withdrawals and will be equal to three months’ interest on the amount withdrawn. Early withdrawal penalty is waived after age 59 1/2.
- 18, 36, 48 & 60 months: A minimum deposit of $50.00 is required to open an 18, 36, 48 & 60 month IRA or KEOGH Certificate of Deposit APY. The interest is compounded and credited quarterly. Fees could reduce the earnings on the account. A penalty will be imposed on early withdrawals and will be equal to three months’ interest on the amount withdrawn. Early withdrawal penalty is waived after age 59 1/2.
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