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The best choice for seniors 65 years of age or older who want convenience and financial security on a limited budget. Senior Membership is free and comes with a checking account free of monthly maintenance fees. With Senior Membership you can obtain:

  • Free online banking
  • No monthly account maintenance fees
  • No minimum balances to avoid fees
  • Convenient banking by mail and direct deposit
  • Convenient personal service by phone
  • Free Membership!

For more information, see OneUnited Bank Truth In Savings Disclosures in our branches.

Account Type Minimum Deposit to Open Monthly Maintenance Service Charge Membership Fees Minimum Balance to Earn Annual Percentage Yield (APY) Minimum Balance to Avoid Maintenance Services Charges
UNITY Silver Checking* $10.00 $0.00 N/A N/A
UNITY Savings $100.00 $5.00 $100.00 $100.00
UNITY Money Market $500.00 $5.00 $500.00 $500.00
UNITY Holiday Club Savings $10.00 N/A $10.00 N/A


* Membership eligible accounts.

Member FDIC

See OneUnited Bank Truth in Savings Disclosures for more details.

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* The interest rate (3.71%) and annual percentage yield (APY) (3.75%) is effective today and has been effective as of October 3, 2008. $1,000.00 minimum balance to open and earn disclosed APY. All rates are subject to change daily. Interest on savings is compounded and credited quarterly. Fees may reduce earnings on the account. For more information, including how interest is calculated and fees, please review our Online Truth in Savings Disclosures or speak with our Financial Service Representatives. Please call 1-877-One-United or 877-663-8648 for current rate or further detailed information.