Savings & Certificates

Regular Savings Account

Your regular savings account is your UNOFCU membership account required for you to begin enjoying all the benefits of credit union membership.  This account is considered your share in the credit union making you an owner of this unique brand of financial institutions. 

  • Minimum deposit of $5.00
  • $5.00 one-time membership fee
  • Competitive dividends compounded daily based on each day’s ending balance
  • No limits on withdrawals, but excessive withdrawal fee imposed with over 3 in one month 
  • Federally insured up to $250,000 by the NCUA
  • Online Banking & Mobile Access

Share Certificates

Similar to a certificate of deposit (CD), Term Share Certificates are for members with additional savings looking for a higher dividend investment.  Some reasons to consider a UNOFU Term Share Certificate include:

  • Guaranteed or fixed rate of return
    Competitive dividends on the first calendar day of the month compounded dialed based on each day’s ending balance 
  • Short and Long-term investing
    6 month; 1, 2, 3, & 5 year terms
  • Low initial Opening Deposit
    $300 minimum balance
  • NCUA federally insured up to $250,000 

Individual Retirement Accounts (IRA)

 One of the best ways to secure your financial future for your retirement or education is to open an IRA (Individual Retirement Account). 


  • Compensation earning individuals under age 70 ½  or those who spouses are compensated may contribute
  • Individuals receiving compensation from a qualified retirement plan may move proceeds to an IRA
  • Deposits are federal tax exempt until withdrawal during retirement
  • Money may be deducted from taxable gross income under certain criteria
  • Consult your tax advisor for full disclosure on tax benefits


  • Contribution made with after-tax dollars
  • Withdrawals are tax-free provided you conform to plan requirements
  • Consult with a tax advisor to see which IRA plan best works for you

For more information on the IRA plan best suited for your needs or to meet with one of our Member Service Representative, give us a call at 504.280.6496.