• South Bay's Best Credit Union!

    We Won! Thank you South Bay.

    See the details
  • Rewardiness Earn up to $600

    Fill your account with friends and start referring today.

    Refer today
  • Scoop n Score

    Open a UNIFY Checking Account and Score LA Rams Tickets

    Learn More about Scoop n Score!
  • Short Terms,
    Big Returns!

    3-month & 6-month Share Certificates 3.50% APY*

    Check out these rates
  • Save More!

    Win Exclusive Access to the Rams*

    SoCal residents that open a new Certificate are entered to win!*

    Learn More
  • Your Payday Could Get You $1K!

    Direct Deposit Pays!

    Learn How You can Qualify

Banking Products to Make Your Life Easier

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Membership Has Its Benefits

Check us out. Find out why you should move your banking to UNIFY.

Learn About Membership
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Certificate at Rates to Love

Grow your nest egg with our competitive savings rates.

View Certificate Accounts
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Welcome Home

Home is where the heart is - we have the mortgages to get you there.

View Home Loans


Certificate Accounts

as high as

3.50 % APY*


as low as

7.250 % APR*

Vehicle Loans

as low as

6.74 % APR*

Credit Cards

as low as

9.49 % APR*

Personal Loans

as low as

13.49 % APR*

Why Join UNIFY?

Unlike those big banks, UNIFY is never too big to remember UNIFY is all about YOU. It’s at the core of who we are because we are a credit union. And credit unions, unlike banks, understand finances aren’t just about money, but about people…"people helping people."

You’ll belong to a credit union with over $4.3 billion in assets and branch locations nationwide to serve you.

Apply for a UNIFY Membership Now
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Home Sweet Home

A mortgage from UNIFY can make your dream home a reality. Our calculators & home loan specialists can help you determine how much house you can afford.

Family moving into new home
View Mortgage Options

Mortgage Payment Calculator

Estimate your monthly mortgage payments and more with our free mortgage calculators.

News & Events

  • Thank You, South Bay!


    Have you heard the exciting news? UNIFY has been named a Finalist in the LA Times Best of Southland reader’s poll AND you’ve voted UNIFY the Best Credit Union in the South Bay!

    We WON in the 5 categories below:

    • Best Financial Planning Company
    • Best Financial: Auto Loans…
  • UNIFY is Sponsoring the Bentonville Farmers Market

    UNIFY is proud to announce we are the presenting sponsor for the Bentonville Farmers Market! Come join us for a day filled with fresh produce, artisanal products, and delicious food. 

    Stop by our booth, say hi, and grab some swag! 

    Have a friend looking for…

  • Way to go UNIFY! 300K Members!

    Congratulations to our newest members, Angelo and Frieda, for helping us pass the 300K member mark! We surprised them with 300 reasons and a special bonus deposit to welcome them to UNIFY as our 300K member! 

  • Protect Your Online Identity

    Protect Your Online Identity

    Email Offers and Online Shopping


    Enjoy safe online shopping and avoid email scams with these tips:

    • Protect personal information. Only give personal or credit information to companies you know and trust. Call their customer service prior to purchasing...
      Read more
  • Choosing Debit vs Credit

    Choosing Debit vs Credit

    When making a purchase using your debit card, you're often given the option to choose "credit" or "debit." Either will enable you to make a purchase (transactions are automatically deducted from your Checking Account), but there are some key behind-the-scenes differences that will help you make y...

    Read more
  • What is a Certificate of Deposit (CD)?

    What is a Certificate of Deposit (CD)?

    Certificates of deposit, or CDs, are not the most exciting investments, but they are among the safest. They make perfect sense for the risk-averse or for people just looking to park some cash over a specific period of time.

    The ABCs of CDs

    CDs differ from traditional savings...

    Read more
  • Plan Your Way to a Secure Retirement

    Plan Your Way to a Secure Retirement

    With life expectancy in the United States currently at 78 years of age, people are living longer than they ever have before. In addition, Social Security benefits are expected to be significantly reduced in years to come due to rising costs of medical technology and increased longevity—there's si...

    Read more
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  • I love the feeling of financial empowerment I get when I UNIFY! UNIFY is more than a credit union; it’s a better banking experience. They inspire me to share their values.
    - Amy
  • UNIFY assisted us by getting our finances on track. We were able to consolidate our debt and dramatically improve our credit scores. Thanks, UNIFY!
    - Anthony
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Direct Deposit Bonus

Enrollment in Direct Deposit means you could win $1K in our quarterly drawing! If you are enrolled for monthly direct deposit of $500 or more, you could win big!

Get all the details
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FREE Checking

Yep… we said FREE. Convenient and flexible, our FREE Checking account is the no-fuss way to manage your money.

Get FREE Checking
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Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

Find a branch near you