UNICO Bank: Savings Account, CDs & Rates

By Aviel Fahl

Updated: 8/19/2026

Mission: Banksparency aims to make UNICO Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of UNICO Bank

Our verdict

CD Analysis

UNICO Bank offers CDs paying up to 3.56% APY on its 6 months term, across 12 term lengths.

Tracking 12 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.56% APY for a 6 months term and laddering across multiple maturities.

UNICO Bank also offers Christmas Club Savings, a club savings account paying 2.50% APY with a $1 minimum deposit.

Ideal User Profile

Best for: setting aside money toward a planned goal.

Important Considerations

Christmas Club Savings is a club savings account. Designed for scheduled deposits toward a set payout date.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Savings Overview

Christmas Club Savings

Savings

2.50% APY

Min: $1 Branch Access

Min. Deposit	$1
Min. Balance	N/A
Maintenance Fee	$0

Rank #132 of 337 tracked.

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationMineral Point, MO
Deposit InsuranceFDIC Insured(Cert: 10608)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Savings Account: In-Depth View

Savings Account Offered by UNICO Bank

Feature	Christmas Club Savings
APY	2.50%Verified: 8/19/2026
APY Trend	N/A
Min. Deposit	$1
Min. Balance	N/A
Monthly Fee	N/A
Direct Deposit	None
Checking Bundle	No
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States
Next Steps	-

Interactive Tool

Calculate Savings for UNICO Bank

All calculations are based on APY.

Selected product

Christmas Club Savings2.50% APY

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$961.40(6.4%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,961.40

Effective APY

2.50%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

UNICO Bank Savings Rates Over Time

No historical data available.

Compare with UNICO Bank

Feature	Current View UNICO Bank	Empty Slot
Product	Christmas Club Savings	-
APY	2.50%Verified: 8/19/2026	-
APY Trend	N/A	-
Min. Deposit	$1	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.56% Highest APY

Across 12 CD products with terms: 6 months, 3 months, 9 months, 13 months, 15 months, 18 months, 24 months, 30 months, 36 months, 48 months, 60 months, 12 months

CD Products Offered by UNICO Bank

Feature	91 DAY 3 months	6 MO 6 months	9 MO 9 months	12 MO 12 months	13 MO 13 months	15 MO 15 months	18 MO 18 months	24 MO 24 months	30 MO 30 months	36 MO 36 months	48 MO 48 months	60 MO 60 months
APY	0.05%Verified: 8/19/2026	3.56%Verified: 8/19/2026	3.51%Verified: 8/19/2026	0.30%Verified: 8/19/2026	3.40%Verified: 8/19/2026	3.35%Verified: 8/19/2026	0.55%Verified: 8/19/2026	0.50%Verified: 8/19/2026	0.50%Verified: 8/19/2026	0.55%Verified: 8/19/2026	0.60%Verified: 8/19/2026	0.70%Verified: 8/19/2026
Term	3 months	6 months	9 months	12 months	13 months	15 months	18 months	24 months	30 months	36 months	48 months	60 months
Min. Deposit	$50	$50	$50	$50	$50	$50	$50	$50	$50	$50	$50	$50
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

UNICO Bank CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Alternatives to UNICO Bank

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