FRAUD ACTIVITY INFORMATION: Please be aware, there have been reported instances of impersonators, claiming to be from UNIFY, making fraudulent calls to members requesting confidential/account identification information. Reminder: A real UNIFY representative will NEVER initiate contact with a member requesting such information including full debit/credit card number, PIN, card security code, eBanking username/security access code or full Social Security Number. If you are contacted by someone requesting this account-related information, please do not respond and let us know immediately at 877.254.9328, 24/7.
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Credit Cards
A credit card for your spending style
FIND THE ONE.
You're one of a kind and one card does not fit all. Let's find out which credit card fits you to a tee.
Are you someone who's looking for a fixed payment you can depend on?
Looking to transfer high-interest credit card balances?
Love a card that offers NO annual fee, NO cash advance fee and NO balance transfer fee?
Love to tap, swipe or double click and earn rewards?
Want a low-interest rate payment?
You and our Fixed Rate Visa are meant to be.
Our Engage Rewards Visa is your perfect match!
We think our Variable Rate Visa is your right fit!
Our Visa® Credit Cards come with fixed and variable rate options, to fit your life stage and lifestyle.
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Visa® Engage Rewards |
Visa® Platinum |
Visa® Gold |
Visa® Classic |
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ANNUAL FEE |
No Fee |
No Fee |
No Fee |
No Fee |
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CREDIT LIMITS UP TO |
$50,000 |
$50,000 |
$14,999 |
$4,999 |
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RATES |
Variable |
Fixed & Variable |
Fixed & Variable |
Fixed & Variable |
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OVERDRAFT PROTECTION |
Yes |
Yes |
Yes |
Yes |
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ONLINE CARD MANAGEMENT |
Yes |
Yes |
Yes |
Yes |
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DEBT PROTECTION |
Optional |
Optional |
Optional |
Optional |
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WARRANTY MANAGER SERVICE |
Yes |
Yes |
Yes |
Not Offered |
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Yes |
Yes |
Yes |
Not Offered |
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Yes |
Yes |
Yes |
Yes |
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| CHECK RATES | ||||
- 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 9.49% APR.
- Special introductory and balance transfer rate offers as low as 5.49% 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 9.49% APR applies.)
- No cash advance fees.3
- No balance transfer fees.
CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE
SEE DETAILED RATES & FEES - Variable Rate Visa® Credit Cards
Take advantage of a low variable rate with no annual fees.
- No annual fee.
- Variable rate as low as 8.99% APR.
CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE
SEE DETAILED RATES & FEES - Visa® Share-Secured Card
- 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.
CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE
SEE DETAILED RATES & FEES - Greater Security
UNIFY Visa® Credit and Debit Cards have your back. Fight fraud with our card management features and services.
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.
Card Management (Card On/Off)
Misplace your UNIFY Credit and/or Debit card? Don’t panic and close it. Hit the pause button. Login to eBanking and deactivate/active your card using our Card On/Off feature.
Won’t be using your card for a while? No worries. Card On/Off is perfect for when you know your card won’t be used for an extended period.
Login to eBanking and try our Card On/Off feature today.
Two-Way Text Fraud Alerts**
Two-Way Text Fraud Alerts for UNIFY Visa® Credit and Debit Cards allow us to notify you sooner of suspected fraud to help protect your hard-earned money. Receive text message notifications of suspected fraudulent transactions, then simply reply to the text and we will confirm the activity. Pretty neat, huh?
Now, if you just aren’t a texting-kind-of-person, that’s ok. We are happy to keep things status quo. Opt-out of Two-Way Text Fraud Alerts at any time:- Text STOP via the text received
- Call us at 877.254.9328, available 24/7
- Visit a branch
Additional Card Management Features
- Report your UNIFY Credit and/or Debit Card lost or stolen.
- Submit a “Travel Notice” to tell us if you will be going to a different location with your card(s)—especially outside of the country.
- Request a cash increase.
Secured Credit Cards
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.
**Fraud Alerts Program Overview
Messaging frequency depends on account activity. For more information, text HELP to 81508. To cancel fraud text messaging services at any time reply STOP to any alert from your mobile device. Message and data rates may apply.
For Fraud Alerts support, call 877.254.9328. By giving us your mobile number, you agree that Fraud Alerts text messaging to notify you of suspected incidents of financial or identity fraud. HELP instructions: Text HELP to 81508 for help or call 877.254.9328. STOP instructions: Text STOP to 81508 to cancel.
Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of wireless carriers may interfere with messages delivery for which the carrier is not responsible. Carriers do not guarantee that alerts will be delivered.
UNIFY Financial Credit Union
www.UnifyFCU.com
877.254.9328, available 24/7
UNIFY Privacy Policy
Visa® is a registered trademark of VISA U.S.A. Inc.
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.