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Important Message: Certain features on our website, including rates and applications, will be unavailable:
Wednesday, December 7, 10:00 PM (PT) - Thursday, December 8, 2:00 AM (PT)
The times listed above are approximate. We apologize for the inconvenience.

Credit Cards

Every purchase builds your credit

Put the freedom, flexibility and purchase power of a UNIFY Visa® Credit Card in your pocket. One card doesn’t fit all. That’s why UNIFY offers a wide variety of Visa cards, from credit-beginners to reward-earners. Visa® Classic, Visa® Gold and Visa® Platinum cards come with fixed and variable rate options, to fit your life stage and lifestyle.

 

 

Visa® Classic

Visa® Gold

Visa® Platinum

ANNUAL FEE

No Fee

No Fee

No Fee

CREDIT LIMITS UP TO

$4,999

$14,999

$50,000

RATES

Fixed & Variable

Fixed & Variable

Fixed & Variable

OVERDRAFT PROTECTION

Yes

Yes

Yes

ONLINE CARD MANAGEMENT

Yes

Yes

Yes

DEBT PROTECTION

Optional

Optional

Optional

WARRANTY MANAGER SERVICE

Not Offered

Yes

Yes

TRAVEL & EMERGENCY ASSISTANCE

Not Offered

Yes

Yes

AUTO RENTAL COLLISION DAMAGE WAIVER

Yes

Yes

Yes

Disclosures & Agreements

APR=Annual Percentage Rate. Rate quoted is the lowest rate possible for qualified borrowers and is subject to change. Qualification based on credit history, debt, employment status, ability to repay, and other factors. Your rate may vary. All loans subject to credit approval. UNIFY is an equal opportunity lender.

1APR for Introductory rate is 4.00% off your contract UNIFY Visa Credit Card on purchases. Introduction rate promotion applicable to fixed-rate UNIFY Visa Credit Cards only. After the sixth statement you will be charged your current contract rate on all purchases. Promotion may end at any time. Not valid with other offers.

2An overdraft from your Visa credit card will be treated as a cash advance. Finance charges are assessed from the day you take the cash advance until the day we receive payment in full. UNIFY Federal Credit Union is an equal opportunity lender.

3Subject to change without notice.

4Offer valid on member’s first Engage Rewards credit card only. The amount of $2,000 must be spent on eligible purchases within the first 90 days of card activation to receive stated number of bonus points. Subject to change without notice.

5Visa Gift Card can be used at any location that accepts Visa Debit Cards. There is a one-time $2.95 purchase fee for the gift card. Following 12 consecutive months of inactivity, a monthly fee of $4.95 will be applied to any remaining balance. The card is issued by MetaBank.

Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.