• Auto Loan Rates as low as 1.74% APR1

    "Fall" Into a New Vehicle…

    Fall brings with it a multitude of changes. Change in seasons, in weather, and even…a new car? Why not? Now’s the perfect time for swapping up what’s in your driveway! Make your commute more pleasant, or plan for that roadtrip to see the leaves change. Be it sporty, elegant, or utilitarian–a change in vehicle can bring with it a change in scenery–all courtesy of a UNIFY Auto Loan.

    • Rates as low as 1.74% APR1 (for 24-month term)
    • No Payments up to 90 days2
    • Used and Refinanced Vehicles
    • Off-Road, Motorcycles, and Classic Vehicles
    • Terms up to Eight Years
    • No Origination or Pre-Payment Fees3
    • Payment Examples


    Apply Today!

    1APR = Annual Percentage Rate. Offer valid on Auto Loans starting October 1, 2021, and subject to change without notice. Advertised “as low as” APR assumes excellent credit history, a 24-month term for a new auto, and a rate discount of .25% for automatic payments from a UNIFY Share Account. Your actual APR may differ based on your ability to repay, credit history, approved loan amount, term, down payment, age of vehicle, and applicable discount. Maximum rate discount is .25% and may not be combined with any other rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details. Estimated monthly payment is $42.43 per $1,000 borrowed for 24-month term at 1.74% APR. A down payment may be required. Vehicle must be titled and registered in the state borrower resides. UNIFY membership is required, which includes establishing a membership share savings of at least $5; other restrictions may apply. Not valid with any other offers or to refinance existing UNIFY loans.

    2Offer valid starting October 1, 2021, and subject to change at any time. First payment may be deferred for up to 90 days from loan funding date. Interest will accrue at your approved APR during that time.

    3Title, taxes and state fees may apply.

    UNIFY Financial Credit Union is an equal opportunity lender.

    Insured by NCUA

  • Earn up to $600 with Rewardiness!*


    Presenting REWARDINESS…UNIFY’s member referral program. You see, at UNIFY it pays to spread the word about all the benefits you love—from our competitive loan rates to a full line of products and services that allow you bank your way. For each new member you refer who opens an account, you both get $25! Do it up to 24 times in a year for $600 big ones.*


    • Refer friends, family members, or co-workers to UNIFY and you’ll receive $25 for each referral who opens a UNIFY Checking Account with Debit Card.*
    • Each referral will also receive $25, and can earn an additional $25 by using their new UNIFY Visa® Debit Card.**


    • Visit our online referral form.
    • Enter the names of your referrals and their primary email addresses—we’ll do the rest. 

    Share some Rewardiness with a friend today and start earning up to $600!

    *Effective as of July 1, 2021. Offer subject to change without notice. Existing members receive $25 for each new member they refer who opens a qualifying Checking Account (excludes Right Start Checking) with a UNIFY Visa® Debit Card. $25 bonus is credited to the Primary Savings Account after the first statement cycle of referred member account opening. Maximum bonus is $600 per member per calendar year. Referred member cannot currently be a primary or joint owner on any existing or previously closed UNIFY account. Members must be in good standing with UNIFY to receive bonus and responsible for applicable taxes. Names and emails of referrals not retained by UNIFY following the initial email invitation to join. Membership eligibility and account qualification requirements apply, which include opening a UNIFY Share Savings of at least $5 and a minimum opening deposit in the qualifying Checking Account of $25. UNIFY employees, volunteers, and family members not eligible. Not valid with any other offers.
    ** Referred new member offered $1 bonus for each debit card transaction over $5 when using UNIFY Debit Card during first 45 days of account opening (maximum of $25). Bonus will be credited to the Primary Savings Account after the 46th day of account opening. One debit card usage bonus per member/account. Account holder responsible for applicable taxes. Account must be in good standing to receive bonus. UNIFY employees, volunteers, and family members not eligible. Not valid with any other offers and subject to change at any time.
    Visa® is a registered trademark of VISA U.S.A., Inc.
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No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.