Credit union · NCUA insured
Unity Financial Credit Union Savings Rates
Unity Financial Credit Union’s best savings rate is 0.55% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Unity Financial Credit Union’s savings rates compare
Compared with banks and credit unions near New Haven, CT, where Unity Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Unity Financial Credit Union
0.55%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $55
Money Market
Top rate
Nutmeg State Financial Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Patriot Bank
3.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $350
Unity Financial Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.55%
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 Financial 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.
Money Market
0.55%APY
Earns quarterly dividend on an average daily balance of $100.00 or more during the quarter. Minimum balance of $2,500 to earn premium dividend rates; if balance falls below minimum, dividend rate drops to current savings rate. Transfers/withdrawals in excess of 6 may be subject to a transaction fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,499Tier 1 | 0.45% | — | Tier 1 |
| $2,500 – $49,999Tier 2 | 0.55% | $55 | Tier 2 |
| $50,000 and upTier 3 | 0.65% | — | Tier 3 |
Sources (2)
All captured Oct 22, 2026
Share Savings
0.45%APY
Basic account required for credit union membership; $5.00 represents member share of ownership. Earns a quarterly dividend on an average daily balance of $100.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100.00. Account earns a quarterly dividend on an average daily balance of $100.00 or more.$100 and up | 0.45% | $45 | Minimum balance to earn APY is $100.00. Account earns a quarterly dividend on an average daily balance of $100.00 or more. |
Special-purpose accounts
Holiday Club Account
0.45%APY
Balances are automatically deposited to Checking or Savings Account at the end of the Club term in October. Withdrawals are not permitted during the club term. $15.00 fee to close before the end of the term.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100. Balances automatically transferred in October. $15.00 fee to close before the end of the term; closing before dividends are credited forfeits accrued dividends.$100 and up | 0.45% | $45 | Minimum balance to earn APY is $100. Balances automatically transferred in October. $15.00 fee to close before the end of the term; closing before dividends are credited forfeits accrued dividends. |
Sources (3)
- unityfincu.org/Rates/Savings-Rates
- unityfincu.org/Save/Savings
- unityfincu.org/Documents/Discl…closure-Fee-Schedule.pdf
All captured Oct 15, 2026
IRA (Individual Retirement Account)
0.45%APY
IRA share savings account. $15.00 IRA annual maintenance fee applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100. $15.00 IRA Annual Maintenance Fee.$100 and up | 0.45% | $45 | Minimum balance to earn APY is $100. $15.00 IRA Annual Maintenance Fee. |
Sources (2)
All captured Oct 15, 2026
Quarterly Club Account
0.45%APY
Withdrawals are limited to 4 per year, once per calendar quarter. More than one withdrawal per quarter results in account closure and a $15.00 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100. Only one withdrawal permitted per calendar quarter. More than one withdrawal per quarter results in account closure and a $15.00 fee.$100 and up | 0.45% | $45 | Minimum balance to earn APY is $100. Only one withdrawal permitted per calendar quarter. More than one withdrawal per quarter results in account closure and a $15.00 fee. |
Sources (3)
- unityfincu.org/Rates/Savings-Rates
- unityfincu.org/Save/Savings
- unityfincu.org/Documents/Discl…closure-Fee-Schedule.pdf
All captured Oct 15, 2026
Vacation Club Account
0.45%APY
Balances are automatically deposited to Checking or Savings Account at the end of the Club term in April. Withdrawals are not permitted during the club term. $15.00 fee to close before the end of the term.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100. Balances automatically transferred in April. $15.00 fee to close before the end of the term; closing before dividends are credited forfeits accrued dividends.$100 and up | 0.45% | $45 | Minimum balance to earn APY is $100. Balances automatically transferred in April. $15.00 fee to close before the end of the term; closing before dividends are credited forfeits accrued dividends. |
Sources (3)
- unityfincu.org/Rates/Savings-Rates
- unityfincu.org/Save/Savings
- unityfincu.org/Documents/Discl…closure-Fee-Schedule.pdf
All captured Oct 15, 2026
Who can join Unity Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.