Savings


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uSAVINGS
A great basic savings account!

uMONEY MARKET
Tiered rates for a higher return!

uCHOOSE GOAL SAVINGS
The perfect plan to help you save for any goal!

CHRISTMAS CLUB
Make your holiday shopping easier by saving all year!
IRA SAVINGS
Available for Traditional, Roth, or CESA IRA Plans
MONEY BEEZ
For Smart Savers under 13 years old
MINIMUM OPENING DEPOSIT
$50
$5 for under age 21 or over age 55
$1,500 $5 $1 $50 $5
MINIMUM BALANCE REQUIRED
$50 Minimum Balance
$50 Minimum Balance to earn interest 
Under age 21 or over 55:
$5 Minimum Balance
$5 Minimum Balance to earn interest
$1,500 Minimum Balance
$1,500 Minimum Balance to earn interest
No Minimum Balance No Minimum Balance $250 Minimum Balance
$5 Minimum Balance
$5 Minimum Balance to earn interest
INTEREST BEARING 
Variable Rate Interest 1
Interest is compounded daily and credited quarterly
Variable Rate Tiered Interest 1
Interest is compounded monthly and credited monthly
Variable Rate Tiered Interest 1
Interest is compounded quarterly and credited quarterly


Variable Rate Tiered Interest 1
Interest is compounded quarterly and credited quarterly
Variable Rate Tiered Interest
Interest is compounded daily and credited quarterly
Variable Rate Interest1
Interest is compounded daily and credited quarterly
ACCOUNT REQUIREMENTS NONE NONE *Requires a Unity Bank Checking Account with an auto transfer of at least $25/month
Limited to one account per owner (TIN)
No customer withdrawals are allowed
Limited to one account per owner (TIN)
Must be IRA eligible per IRS rules NONE
SERVICE FEES
Minimum Balance Fee: $2 per month if balance falls below $50 minimum at any time during that month
($1 per month for account holders under age 21 or over age 55)
Minimum Balance Fee: $10 per month if balance falls below $1500 minimum at any time during that month
  • $2 Service Charge per month if Minimum Transfer requirements are not met
  • One withdrawal per calendar year for no fee, $10 fee for each additional withdrawal
NONE
  • Minimum Balance Fee:$5 per month if balance falls below $250 at any time during that month
  • Fee waived for first 12 months with Auto Transfer setup
  • Minimum Balance Fee: $1 per month if balance falls below $5 at any time during that month
FEATURES
  • May be used as overdraft protection for Checking2
  • ATM Card Available
  • Auto transfer makes it easy to save
  • May be used as overdraft protection for Checking2
  • ATM Card Available
  • Auto transfer makes it easy to save
  • Premium interest rate on the first $3000 to encourage you to reach your goal!
  • Auto transfer makes it easy to save
  • Premium interest rate on the first $3000
  • Account balance pays out the last business day of October
  • Account renews automatically
  • Auto transfer makes it easy to save
  • You may make distributions from this account per IRA Distribution rules set forth in your IRA plan
  • Auto transfer makes it easy to save
  • Higher Interest Rates for our little savers!
  • Kids get to pick a prize each visit to the bank
  • Auto transfer makes it easy to save

1Interest calculated on average daily balance over Minimum Account Balance.
2During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers (including overdraft protection transfers) to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. The six transfers may be made by check, including checks converted to electronic transactions or electronic bill payments to third parties, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth in any statement period, your account may be subject to closure.
You may visit the bank to withdraw funds, have us mail you a check payable to you, or withdraw money from an ATM as many times as you like. These transactions are not limited, however, normal transaction fees may apply.
4Subject to credit qualification. Other Terms and Fees may apply.


Funds Availability Notice   USA Patriot Act