Savings Accounts

We’ve got several personal savings options to help you set money aside—for tomorrow, for long-term goals, or for the unexpected.

For a Rainy Day or Come What May

When it comes to personal savings accounts, Unitus has you covered.

Go Savings

With Go Savings earn an incredible 1.00% APY* on balances up to $2,499.99. Ready to save WAY MORE? Log into uOnline to open your account! Available for IRA accounts too!

Prime Share Savings

Our most basic savings account, opened when you become a Unitus member.

Money Market Accounts

Earn more money than a regular savings account, and have easy access to your money.

Certificates of Deposit (CDs)

Great if you don’t need immediate access to your money, CDs earn more interest than a regular savings account.

Individual Retirement Accounts (IRAs)

IRAs offer tax advantages and the power of compounded earnings.

Health Savings Accounts

The money you contribute can be used tax-free for qualifying medical expenses.

Prime Share Savings

This is our most basic personal savings account, which you automatically open when you become a Unitus member. Your one-time $10 membership fee and $5 opening deposit represents your prime ownership “share” in Unitus.

Prime Share Savings: Tools lined up on a wood background.

Special Savings Accounts

Special savings accounts are great for putting money aside for specific goals: holiday shopping, next year’s taxes, the trip of a lifetime, or building up your rainy fund for unexpected expenses. You can use automatic payroll deduction to help you reach your goal even quicker.

Money Market Accounts

Money market accounts allow you to earn more than a regular savings account, without locking your money up in a CD. Get a competitive interest rate and still have easy access to your funds.

Some of the benefits of a Unitus Money Market account are:

  • Competitive rates
  • No limit on withdrawals you make in person. Withdrawals can also be made online and by phone (restrictions apply**)
  • No fee if average balance is at least $2,500; otherwise $5 per month
  • No limit on deposits
  • Federally insured up to at least $250,000

Ready to open a Money Market account?

Open an account online, stop by your local branch, or call us at 503-227-5571.

Go Savings

Earn WAY MORE...1.00% APY*

This high-yield savings account blends your rate to give you more out of every dollar.

Go Savings Calculator

Want to know how much you can earn? Use Unitus’ Go Savings calculator below to find out. The calculator automatically distributes your deposit amount into the appropriate tiers. Try it now and you’ll discover you earn way more!

Go Savings Rates


Interest Rate

APY* Range

$0 - $2,499.99



$2,500 - $4,999.99


1.00% - 0.62%

$5,000 - $24,999.99


0.62% - 0.16%

$25,000 - $49,999.99


0.16% - 0.11%

$50,000 - $99,999.99


0.11% - 0.06%

$100,000 or more


0.06% - 0.01%

* APY = Annual Percentage Yield. Rates effective as of September 1, 2020. Disclosures (PDF)

Go Savings Calculator

The following calculator automatically updates its values as they are typed into the Depsoit Amount field; there is no need to submit the form. After entering your deposit amount you will find the APY and First Year Earnings values by tabbing to the next two fields.

Deposit range: $0-9,999,999

Distribution Breakdown



$0 1.00%
$0 0.25%
$0 0.05%
$0 0.05%
$0 0.01%
$0 0.01%

(This calculator is for illustrative purposes only and does not reflect the actual results of any specific amount.)


Certificates of Deposit (CDs) offer a safe haven for your money, earn more interest than a regular savings account, and are optimal if you don’t need immediate access to your funds. Our CDs can be opened, closed, and renewed online or over the phone, making them one of the simplest ways to save.

With a Unitus CD, you’ll enjoy:

  • Immediate interest accrual
  • Monthly compounding interest
  • Competitive rates
  • Terms ranging from six months to five years
  • No set-up or administration fees
  • Federally insured up to $250,000

Ready to open a Unitus CD?

Open an account online, stop by your local branch, or call us at 503-227-5571



We offer three different kinds of Individual Retirement Accounts (IRAs):

Traditional IRA

A Traditional IRA offers significant up-front tax advantages, and less money is taken out for taxes. They also benefit from the growth of compounded earnings. Some of the features of Traditional IRAs are:

  • Earnings accumulate tax-deferred
  • Competitive rates
  • Contributions are tax deductible (if you qualify)
  • Contribution amount increases
  • No set-up or administration fee
  • Federally insured up to $250,000

For more information about traditional IRAs, including contribution limits and deadlines, please call us or visit one of our branches. You may also visit the IRA Contribution Limits page on the website.

Roth IRA

Unlike traditional IRAs, contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA can be withdrawn tax-free, including earnings. Some of the features of a Roth IRA are:

  • Contributions are allowed at any age
  • Qualified distributions are tax-free
  • Flexible withdrawal options are available
  • Contribution amount increases
  • No set-up or administration fee
  • Federally insured up to $250,000

Coverdell Education Savings Account

Also known as a Coverdell Education Savings Account, an Educational IRA is an ideal way to begin savings to help a child, grandchild, or any young person pay for educational expenses—such as tuition, fees, books, supplies and equipment.

  • Anyone meeting the income requirements can open and contribute to a child’s account, including grandparents, aunts, uncles, and family friends.
  • Earnings grow tax-free if distributions are used for qualified education expenses
  • Competitive rates
  • Can be used for qualified elementary and high school expenses at most public, private and parochial schools
  • You can save up to $2,000 per child per year
  • Federally insured up to $250,000

Unitus also offers scholarships


Ready to open an IRA?

Email us, stop by your local branch, or call us at 503-227-5571.

Unitus Financial Advisors Logo

Are you ready for retirement?

It’s closer than you think.

Health Savings Accounts

If you have a High Deductible Health Plan (HDHP), then a Health Savings Account (HSA) is the perfect complement. The money you (and possibly your employer) contribute to your HSA can be used tax-free for qualifying medical expenses not covered by your HDHP, including the deductible. It also helps you save for future medical expenses not covered by Medicaid after you retire.

For the most current information on annual HSA contribution limits for those with individual and family HDHPs, please visit the IRS website.


Some of the benefits of a Unitus HSA are:

  • Competitive rates
  • An HSA debit card that makes it simple to use
  • HSA funds do not expire; they grow tax-free through dividend earnings, like an IRA.
  • The money in your HSA is yours, and you alone decide how to use it.***
  • Your contributions can usually be deducted from your taxable income (check with your tax advisor)
  • Automatic payroll deductions can help you fund your HSA

Ready to open an HSA?

Email us, stop by your local branch, or call us at 503-227-5571.

Questions about our savings accounts?

We’re here to help. Call us at 503-227-5571 or 1-800-452-0900 or email us.

Visit our support center

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