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Credit Cards

A credit card for your spending style

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.

 

Classic

Gold

Platinum

 

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 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 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.

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.

*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.

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.