Options you want. Security you need.
Planning for your financial future? Think you need a retirement account? Let’s find the right investment choices for you. From money market accounts and certificates to an IRA, Unison Credit Union has an option to match your life.
Money Market Account
When you want the opportunity to earn higher dividend rates
Access your funds at all times (similar to a savings account); minimums vary depending on your needs.
- Make deposits and withdrawals at any time
- Various investment levels: $2,500, $15,000, $75,000, and $250,000
Term Share Certificates
Earn a guaranteed rate on your investment
A great option for long-term savings, college savings, or emergency funds.
- Earn dividends
- Low risk
Roth IRA
A retirement account with tax-free distributions
Your contributions are taxed at the time of deposit rather than when you withdraw them later.
- Contributions can be made until age 70½
- Review an overview brochure
See a tax professional for details. The Federal Government establishes rules and regulations for IRAs.
Traditional IRA
A retirement account with tax-free contributions
Your contributions are tax-free at the time of deposit. Future withdrawals are taxed at ordinary income tax rates.
- Contributions can be made until age 70½
- Review an overview brochure
See a tax professional for details. The Federal Government establishes rules and regulations for IRAs.
IRA Certificates
A way to earn a higher dividend rate on your retirement savings
Earn a higher, fixed dividend rate for a specific period of time on funds in your retirement savings.
- Available in terms from 90 days to 5 years
- $500 minimum balance to open
The Federal Government establishes rules and regulations for IRAs.
Ultimate IRA
Our highest-earning dividend rate option on your retirement savings
Designed with a tiered dividend rate, earn even higher dividends with checking while keeping your funds secure.
- Various investment levels: $15,000, $100,000, and $500,000
The Federal Government establishes rules and regulations for IRAs.
Self-Employed Pension Plan (SEP)
Make IRA contributions to your employees
Allows a self-employed person to make contributions to his/her own IRA account, or a small business to make contributions to the IRA accounts of eligible employees.
- Functions the same as a Traditional IRA account
- Convenient for small businesses with few employees
- View a brochure
Education Savings Account (ESA)
An account to save for your child’s education
Put money away to help with your child’s future education expenses.
- $2000 maximum deposit per child per year
- Deposits can be made until the beneficiary is age 18
- Funds can be withdrawn for qualified education expenses until the beneficiary is age 30
- Applies to most elementary, secondary and post-secondary educational institutions
- View a brochure
Invest with Unison Today
Not all investment opportunities are created equal. Unison Credit Union has Money Market Accounts, Term Share Certificates, Education Savings Accounts, and Retirement Savings Accounts. Stop into any Unison Credit Union branch to invest today and let us show you the Unison difference.