Credit Cards

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.

Our Visa® Credit Cards come with fixed and variable rate options, to fit your life stage and lifestyle.


	Visa^® Engage Rewards	Visa^® Platinum	Visa^® Gold	Visa^® Classic
ANNUAL FEE	No Fee	No Fee	No Fee	No Fee
CREDIT LIMITS UP TO	$50,000	$50,000	$14,999	$4,999
RATES	Variable	Fixed & Variable	Fixed & Variable	Fixed & Variable
OVERDRAFT PROTECTION	Yes	Yes	Yes	Yes
ONLINE CARD MANAGEMENT	Yes	Yes	Yes	Yes
DEBT PROTECTION	Optional	Optional	Optional	Optional
WARRANTY MANAGER SERVICE	Yes	Yes	Yes	Not Offered
TRAVEL & EMERGENCY ASSISTANCE	Yes	Yes	Yes	Not Offered
AUTO RENTAL COLLISION DAMAGE WAIVER	Yes	Yes	Yes	Yes

Fixed Rate Visa^® Credit Cards
Enjoy the confidence and consistency of a steady rate with no surprises.
- No annual fee.
- Fixed rate as low as 8.99% APR.
- Special introductory and balance transfer rate offers as low as 4.99% APR.^1,2(Intro rate for purchases applies to the first 6 billing cycles; Balance Transfer rate applies to the first 12 billing cycles; then contract rate as low as 8.99% APR applies.)
- No cash advance fees.³
- No balance transfer fees.
Apply Now

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE
SEE DETAILED RATES & FEES

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Variable Rate Visa^® Credit Cards
Take advantage of a low variable rate with no annual fees.
- No annual fee.
- Variable rate as low as 7.24% APR.
Apply Now

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE
SEE DETAILED RATES & FEES

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Visa^® Share-Secured Card
Do you have something to prove? Build your credit reputation. UNIFY’s Share-Secured Visa^® credit card⁴ allows you to borrow up to the full value of your initial Share Account investment—a maximum of $2,500.
- Low fixed rates.
- No cash advance³ or balance transfer fees.
- Access cash at Visa^® ATMs worldwide.³
- 24-hour online account access.
- Emergency card replacement and cash disbursement.
- Lost/stolen card reporting.
Apply Now

View UNIFY’s Share Certificate plans.
CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE
SEE DETAILED RATES & FEES

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Visa^® Engage Rewards Card
More rewards, fewer restrictions. With a UNIFY Visa® Engage Rewards Card you earn points on every purchase. Redeem your points for travel, merchandise, cash back, gift cards— you name it. Spend a buck, earn a point. Simple, huh?
- No annual fee.
- GET 5,000 BONUS POINTS INSTANTLY: Spend $2,000 using your Engage Rewards Credit Card during the first 90 days and receive 5,000 bonus points.*
- Redeem and monitor your points in eBanking, under Card Management.
- Connect Rewards Program at 877.789.9318, anytime or online.
Apply Now

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE
SEE DETAILED RATES & FEES

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Verified by Visa^®
Few things are more important than peace of mind when you shop online. Verified by Visa makes online payments more secure by making sure you are really you.
- Affords an extra layer of protection for online purchases.
- Shop with participating online merchants across the web.
- Confirms your identity by password after activation.
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Disclosures & Agreements

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

¹APR for Introductory rate is 4.00% off your contract UNIFY Visa Credit Card APR on purchases. Introductory 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. Promotional offer may end at any time without notice. Not valid with other offers.

²APR for balance transfers is 4.00% off your contract UNIFY Visa Credit Card APR made by transfer from other lenders via UNIFY eBanking or with a UNIFY representative. Cash advances, convenience checks, and purchases are not eligible for this promotional interest rate. Balance transfer promotion applicable to UNIFY Fixed-Rate Visa Credit Cards only. No transaction fee is imposed for balance transfers. Interest will be charged from the balance transfer transaction date. Minimum balance transfer amount is $500. After the 12th statement following the balance transfer transaction, you will be charged your current contract rate for any outstanding balance remaining from the balance transfer. Promotional offer may end at any time without notice. Not valid with other offers.

³An overdraft protection transfer from your Fixed-Rate 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 Financial Credit Union is an equal opportunity lender.

⁴Subject to change without notice.

* Offer 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.

Visa® is a registered trademark of VISA U.S.A. Inc.

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