Credit union · NCUA insured
Unity One Credit Union Savings Rates
Top CarrotUnity One Credit Union’s best savings rate is 1.60% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Unity One Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where Unity One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Unity One Credit Union
1.60%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $160
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Unity One Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.60%
- $100,000 balance$100,0001.60%
- QualifiedQualified1.60%
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 One 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 Account
1.60%APY
$2,500 minimum balance. Dividends are compounded and paid monthly. Withdrawal and transfer limits apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Withdrawal and Transfer Limits Apply | 0.10% | — | Withdrawal and Transfer Limits Apply |
| $2,500 – $5,000Withdrawal and Transfer Limits Apply | 0.40% | — | Withdrawal and Transfer Limits Apply |
| $5,000 – $10,000Withdrawal and Transfer Limits Apply | 1.00% | — | Withdrawal and Transfer Limits Apply |
| $10,000 and upWithdrawal and Transfer Limits Apply | 1.60% | $160 | Withdrawal and Transfer Limits Apply |
High Yield Savings Account
1.60%APY
Rate is variable and subject to change. No monthly service charge if balance falls below $10,000, but will not earn dividends if account falls below $10,000. $2 monthly fee applies for non e-statement accounts / if you opt-out or cancel E-Statement service. Maximum of six electronic withdrawals a month allowed per Federal Regulation D.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upRate is variable and subject to change. Must maintain $10,000 balance to earn dividends. $2 monthly fee waived for e-statement users.$10,000 and up | 1.60% | $160 | Rate is variable and subject to change. Must maintain $10,000 balance to earn dividends. $2 monthly fee waived for e-statement users. |
Primary Savings Account
0.10%APY
Unlimited deposits and withdrawals; automatic savings transfers; when you open an account you become a member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Secondary Savings Account
0.10%APY
Transfer limits apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTransfer limits apply.Any balance | 0.10% | $10 | Transfer limits apply. |
Sources (1)
- unityone.org/connect/rates · captured Sep 17, 2026
Special-purpose accounts
Holiday Savings Account
0.15%APY
No monthly fees. Minimum opening deposit of $10.00. Minimum monthly add-on amount of $10.00. Unlimited additional deposits. No withdrawals allowed. On November 1, all saved funds and earned dividends roll over automatically into primary savings account. Renewed automatically. Convertible feature not available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires $10.00 minimum monthly deposit. Funds roll over into primary savings on November 1. No withdrawals allowed.Any balance | 0.15% | $15 | Requires $10.00 minimum monthly deposit. Funds roll over into primary savings on November 1. No withdrawals allowed. |
IRA Savings Account
0.15%APY
IRA withdrawal limits apply and may be subject to IRS penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA withdrawal limits apply.Any balance | 0.15% | $15 | IRA withdrawal limits apply. |
Sources (1)
- unityone.org/connect/rates · captured Sep 17, 2026
Vacation Club Account
0.10%APY
No monthly fees. Minimum opening deposit of $10.00. Minimum monthly add-on amount of $10.00. Unlimited additional deposits. Choose your maturity date. No withdrawals allowed. Renewed automatically. Convertible feature not available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires $10.00 minimum monthly deposit. Choose your maturity date. No withdrawals allowed.Any balance | 0.10% | $10 | Requires $10.00 minimum monthly deposit. Choose your maturity date. No withdrawals allowed. |
Who can join Unity One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in specified counties in Texas and Kansas, or the greater St. Paul, MN community.
Cost to join
- Membership requires opening a savings (share) account with a $5 minimum balance requirement.
Membership information collected October 5, 2026.