Which credit card is right for you?
Take our credit style quiz to find the right features and terms for your lifestyle.
Choose a UNIFY VISA® Card That's Right for You!
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| 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 |
| DEBT PROTECTION |
Optional |
Optional |
Optional |
Optional |
| WARRANTY MANAGER SERVICE |
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| TRAVEL & EMERGENCY ASSISTANCE |
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| AUTO RENTAL COLLISION DAMAGE WAIVER |
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Found the right credit card for you?
Apply For a Credit Card Online
Visa Engage Rewards Card*
Earn credit card rewards points on every purchase and redeem them for travel, merchandise, cash back, and gift cards. Spend a buck, earn a point. Simple, huh?
All the great UNIFY credit card features plus:
- Get 5,000 points when you spend $2,000 in the first 90 days1
- Redeem and monitor your points in eBanking, online, or at 877.789.9318
Fixed Rate Visa Credit Card*
A fixed rate stays the same month to month.
All the great UNIFY credit card features plus:
- Fixed rate as low as 9.49% APR
- Special introductory and balance transfer rate offers as low as 5.49% APR2,3
Variable Rate Visa Credit Card*
Get the lowest rates available to you with a variable rate credit card.
All the great UNIFY credit card features plus:
- Variable rates as low as 14.24% APR
- No balance transfer fee
Apply For a Visa Rewards Card Now
Visa Share-Secured Card*
A credit card backed by your savings account. Put up to $2,500 into a UNIFY savings account and your line of credit will be for that full amount.
All the great UNIFY credit card features plus:
- Rebuild your credit with a low-fixed rate
A word on UNIFY credit card security
You’re well protected against fraud with our card management features.
Verified by Visa
A password protected authentication system designed to confirm your identity when you use your UNIFY Visa card online.
Two-Way Text Fraud Alerts
Get notified via text if we suspect fraud on your account and simply reply to the text to confirm your activity.4
UNIFY University: Credit Cards
Let's get you approved for your new card!
Apply for a Credit Card TodayDisclosures
*APR = Annual Percentage Rate. Rate quoted is the lowest rate possible for well-qualified borrowers and is subject to change without notice. Qualification for credit is based on membership eligibility, credit history, debt-to-income ratio, ability to repay, employment history and other factors. Your rate may vary. All loans subject to credit approval. See the Application & Solicitation Disclosure for rates and required disclosures.
1Offer valid on member’s first Engage Rewards credit card only. Spend at least $2,000 on eligible purchases within the first 90 days of card activation to receive bonus points offer. Subject to change without notice.
2Introductory rate for Purchases is discounted 4.00% off your Contract APR for the first six billing cycles. After the sixth billing cycle, any remaining unpaid balance and subsequent purchases will revert to your APR for Purchases (Contract APR). Introductory offer may end at any time without notice. Not valid with other offers.
3Promotional rate for Balance Transfers is discounted 4.00% off your Contract APR for the first twelve billing cycles following the balance transfer. After the twelfth billing cycle, any remaining unpaid balance will revert to your APR for Purchases (Contract APR). Minimum Balance Transfer amount is $500 and must be initiated within UNIFY eBanking or with a UNIFY representative. Cash advances, overdraft transfers, and purchases not eligible. Finance charges are assessed from the transaction date of the balance transfer. Promotional offer may end at any time without notice. Not valid with other offers.
4By providing your mobile number, you agree to receive Card Fraud Text Alerts to notify you of suspected fraudulent activity involving your UNIFY Credit or Debit Card. Text HELP to 81508 or call 877.254.9328. To cancel or opt out, text STOP to 81508. Message and data rates may apply. Release of Liability: Alerts sent via SMS may not be delivered if your phone is not within range of a transmission site, or if sufficient network capacity is not available at a particular time. Wireless carriers do not guarantee that alerts will be delivered.
Visa® is a registered trademark of VISA U.S.A. Inc.
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
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
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 youThanks For Exploring All UNIFY Has To Offer!
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