Credit union · NCUA insured
Unity Catholic FCU Savings Rates
Unity Catholic FCU’s best savings rate is 0.40% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Unity Catholic FCU’s savings rates compare
Compared with banks and credit unions near Cleveland, OH, where Unity Catholic FCU has the most branches. $10,000, best rate first.
This credit union’s best
Unity Catholic FCU
0.40%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $40
Money Market Savings
Top rate
Century Federal Credit Union
5.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $500
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
Unity Catholic FCU savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.40%
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 Unity Catholic FCU 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.
Money Market Savings
0.40%APY
Earn higher yields than traditional savings with a $1,000 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $5,000 | 0.20% | — |
| $5,000 – $25,000 | 0.40% | $40 |
| $25,000 – $75,000 | 0.60% | — |
| $75,000 and up | 0.80% | — |
Sources (2)
All captured Oct 6, 2026
Money Market Checking Account
0.20%APY
Dividends paid monthly on daily balances of $1,500 or more. No monthly service fees. Free Home Banking (must access via app/computer once every 90 days to avoid $1 inactivity fee). Bill Pay fee waived for first 3 months, then $3.00/month if no activity performed in that month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,500 – $5,000 | 0.15% | — |
| $5,000 – $10,000 | 0.20% | — |
| $10,000 and up | 0.20% | $20 |
Sources (2)
All captured Oct 6, 2026
Share Account (Savings)
0.05%APY
Open with $5 to earn dividends. Maintain a $5 balance to access full services.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club
3.04%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.04% | $304 |
Sources (2)
All captured Oct 6, 2026
Vacation Club
3.04%APY
Balances transfer automatically to regular share account every April 1.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.04% | $304 |
Sources (2)
All captured Oct 6, 2026
IRA Share Account
0.20%APY
Available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- unitycatholiccu.org/current-rates · captured Oct 6, 2026
Student Share Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (1)
- unitycatholiccu.org/current-rates · captured Oct 6, 2026
Who can join Unity Catholic FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
- Organizations or corporate entities of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
- Members of a church parish of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
- Persons receiving services or volunteering with outreach organizations of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
Military, government and schools
- Students in any school or university of the Catholic Diocese of Cleveland or Byzantine Catholic Eparchy of Parma are eligible to join.
Family and household
- Family members of existing Unity Catholic members are eligible to join.
Cost to join
- An initial deposit of $5 is required to open an account.
Membership information collected October 5, 2026.