Credit union · NCUA insured
Unitus Community Credit Union Savings Rates
Unitus Community Credit Union’s best savings rate is 5.00% APY on $10,000, with its Rewards Savings Account. Rates checked October 22, 2026.
How Unitus Community Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, OR-WA, where Unitus Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Unitus Community Credit Union
0.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $50
Money Market Account (Personal)
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Unitus Community Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0000.77%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.77%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Unitus Community Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Rewards Savings Account
5.00%APY
To qualify for the Rewards Savings account, you must have: 1. a Unitus checking account, eStatements, and debit card or 2. a Unitus Cash Back Credit Card. All rewards are paid into this account; no other deposits may be made to this account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFull balance tier. Rate applies to cash back earnings and rewards automatically deposited. Rate effective as of October 7, 2026.Any balance | 5.00% | $500 | Full balance tier. Rate applies to cash back earnings and rewards automatically deposited. Rate effective as of October 7, 2026. |
Sources (5)
- unitusccu.com
- unitusccu.com/rates/personal
- unitusccu.com/savings-accounts
- unitusccu.com/credit-cards
- unitusccu.com/assets/uploads/deposit-rates.pdf
All captured Oct 22, 2026
Money Market Account (Personal)
0.50%APY
$100 minimum opening balance. $2,500 average balance required to avoid a service fee. Tiered rate account where the highest interest rate and APY for that tier applies to the entire balance once met. Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 – $500,000 | 2.00% | — |
| $500,000 – $1,000,000 | 2.50% | — |
| $1,000,000 – $2,500,000 | 3.00% | — |
| $2,500,000 and up | 3.50% | — |
Sources (3)
- unitusccu.com/rates/personal
- unitusccu.com/savings-accounts
- unitusccu.com/assets/uploads/deposit-rates.pdf
All captured Oct 22, 2026
Go Savings
0.77%APY on $10,000
Available to consumer, trust, and business accounts only. Limit one Go Savings per Unitus membership. To open a new membership account, a $10 one-time membership fee and $5 Prime Share deposit are required. Tier rates apply only to the portion of the account balance within that tier.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,500 | 2.96% |
| $2,500 – $5,000 | 0.03% |
| $5,000 – $25,000 | 0.03% |
| $25,000 – $50,000 | 0.03% |
| $50,000 – $100,000 | 0.03% |
| $100,000 and up | 0.03% |
On $10,000 the tiers blend to about 0.77% APY, earning $77 a year.
Sources (3)
- unitusccu.com/savings-accounts
- unitusccu.com/savings-accounts/go-savings
- unitusccu.com/assets/uploads/deposit-rates.pdf
All captured Oct 22, 2026
Reserve Account
0.01%APY
Once a balance tier is met, the highest interest rate and APY for that tier apply to the entire balance in the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Once a balance tier is met, the highest interest rate and APY apply to the entire balance in the account. | 0.01% | $1 | Once a balance tier is met, the highest interest rate and APY apply to the entire balance in the account. |
| $25,000 and upOnce a balance tier is met, the highest interest rate and APY apply to the entire balance in the account. | 0.01% | — | Once a balance tier is met, the highest interest rate and APY apply to the entire balance in the account. |
Sources (2)
All captured Oct 22, 2026
Special Savings
0.01%APY
The account to track a specific goal. Once a balance tier is met, the highest interest rate and APY for that tier apply to the entire balance in the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Once a balance tier is met, the highest interest rate and APY apply to the entire balance in the account. | 0.01% | $1 | Once a balance tier is met, the highest interest rate and APY apply to the entire balance in the account. |
| $25,000 and upOnce a balance tier is met, the highest interest rate and APY apply to the entire balance in the account. | 0.01% | — | Once a balance tier is met, the highest interest rate and APY apply to the entire balance in the account. |
Sources (3)
- unitusccu.com/rates/personal
- unitusccu.com/savings-accounts
- unitusccu.com/assets/uploads/deposit-rates.pdf
All captured Oct 22, 2026
Special-purpose accounts
Prime Share Savings
0.05%APY
Prime Share covers Personal, Health Savings Account, Coverdell Education Savings Account, and IRA share savings. Once a balance tier is met, the highest interest rate and APY for that tier apply to the entire balance in the account. Opening deposit is $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Once a balance tier is met, the highest dividend rate and APY apply to the entire balance in the account. | 0.05% | $5 | Once a balance tier is met, the highest dividend rate and APY apply to the entire balance in the account. |
| $25,000 and upOnce a balance tier is met, the highest dividend rate and APY apply to the entire balance in the account. | 0.10% | — | Once a balance tier is met, the highest dividend rate and APY apply to the entire balance in the account. |
Sources (2)
All captured Oct 22, 2026
Who can join Unitus Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Eligible to join by joining the American Consumer Council (ACC) for free at no additional cost if living outside Washington State or the listed Oregon counties.
Where you live or work
- Eligible to join if you live or work in the Oregon counties of Benton, Clackamas, Columbia, Deschutes, Douglas, Hood River, Jackson, Josephine, Lane, Linn, Marion, Multnomah, Polk, Washington, or Yamhill.
- Eligible to join if you live or work in the State of Washington, including directors, retirees, volunteers, and contract workers for organizations located anywhere in Washington.
Employers and groups
- Eligible to join if you own a business anywhere in Oregon or Washington by joining the American Consumer Council (ACC).
Family and household
- Eligible to join if you are an immediate family member (including grandparents, parents, spouse, children, stepchildren, grandchildren, brothers, sisters, half-brothers, half-sisters, aunts, uncles, and domestic partners) of any person who qualifies or qualified for membership or of deceased members who qualified at time of death.
Cost to join
- A one-time membership fee of $10.00 is required to join.
- An opening deposit of $5.00 for Prime Share is required to join.
Membership information collected October 4, 2026.