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Promotions

  • Free Yourself

    LIMITED-TIME OFFER:
    Credit Card Balance Transfer rates as low as 2.99% APR for 12 months, then contract rate as low as 5.24% APR applies.1

    Are high-rate credit card balances weighing you down? Transfer high-rate credit card balances to a UNIFY Credit Card and take advantage of rates as low as 2.99% APR on the transferred amount.1

    Free yourself from high-interest rate credit card balances today! Visit your nearest UNIFY branch or contact a UNIFY representative at 877.254.9328, available 24/7.

    Not a UNIFY Cardholder? Apply Today:

    Interest Rates and Interest Charges2
    Promotional Annual Percentage Rate (APR) for Balance Transfers 2.99% - 7.99%

    The APR you receive is based on your creditworthiness. Your Promotional Balance Transfer APR shall be fixed for the first 12 months following balance transfer. Beginning with the 13th month statement, any unpaid balance will revert to your contract APR (5.24%-18.00%) for Balance Transfers. If you have a variable-rate Visa credit card product, the post-promotional balance transfer rate will no longer be fixed and the rate will be based on the Prime Rate plus a margin.*
    APR for Purchases and Cash Advances 5.24% - 18.00%

    The APR you receive is based on your creditworthiness. If you have a variable-rate Visa credit card product, the rate will also be based on the Prime Rate plus a margin.*
    Transaction Fee for Balance Transfers Visa Variable-Rate Credit Card: Waived

    Engage Rewards Visa Signature Credit Card: Waived

    For these two Visa credit card products, this fee will revert back to 3% or $5.00, whichever is greater, after this promotion has ended.

    This information was accurate as of January 17, 2017, and is subject to change after this date without notice. To find out what may have changed, contact UNIFY at 877.254.9328, available 24/7.

    How we will calculate your balance: Average daily balance (including new purchases/transactions).

    *Variable APRs are based on the Prime Rate index and a margin. The Prime Rate Index is the highest prime rate published in the Wall Street Journal on the last business day of each month. If this Index is no longer available, the Credit Union will choose a new index which is comparable to the described index. The margin on your credit card will range from 1.74% to 12.74% and is based on your creditworthiness. The maximum APR is 18.00%. UNIFY Financial Credit Union is an equal opportunity lender.

    1APR = Annual Percentage Rate. APR quoted is the lowest possible for qualified borrowers. Balance transfers must be made by transfer from other lenders with a UNIFY Representative. Cash advance, convenience check, and purchase transactions are not eligible for promotional APR. Promotional balance transfer APR is applicable to fixed and variable rate UNIFY Visa Credit Cards. Business Platinum Visa Credit Card is not eligible for promotional APR. Maximum balance transfer amount is up to borrower’s available credit limit. Minimum balance transfer transaction amount is $500 to qualify for the promotional APR. Interest will be charged from the transaction date. Balance transfers cannot be made from a UNIFY Visa Credit Card to another UNIFY loan or credit card. Must be posted to your credit card balance by April 27, 2017. Promotional offer may end at any time without notice. Not valid with any other offers.

    2All credit cards are subject to credit approval and credit union membership is required. Qualification for credit is based on borrower’s credit history, debt to income ratio and the ability to repay. There are fees and charges associated with the use of all UNIFY Visa Credit Cards. Phone 877.254.9328, available 24/7 or visit UnifyFCU.com for additional product information.

     

  • Holiday Loan Rates as low as 2.99% APR* (for 12-months)

    Offer extended to February 28, 2017. Apply Today!

    Holiday Loan Rates as low as 2.99% APR* (for 12-months)

    YOU GOT THIS
    The holidays are coming and things can get a bit stressful. Our fixed rates as low as 2.99% APR* can help you breeze through.

    • Rates as low as 2.99% APR* for 12 months
    • Loan amounts of $500 to $30,000
    • Terms 12 to 72 months
    5.99% APR*
    (for 60-months)
    Loan Amount
    Monthly Payment
    $3,000 loan
    $57.98
    $5,000 loan
    $96.64
    $7,000 loan
    $135.30

    Apply Today:

    *APR = Annual Percentage Rate. Offer valid on the Holiday Loan effective November 15, 2016, subject to change without notice and may end at any time. Advertised “as low as” APR assumes excellent credit history and a maximum rate discount of .25%. Your actual APR may vary based on your credit history, ability to repay, approved loan amount, term, state of residence, and applicable discounts. Available rate discounts include: .05% if Premier or eChecking Account is maintained during term of the loan; .05% if loan payment is automatically transferred from a UNIFY Savings or Checking Account for entire term of the loan; .15% for a recurring Direct Deposit of $400 or more per month to a UNIFY Savings or Checking Account during the term of the loan. Maximum total rate discount for any qualified loan is .25% and may not be combined with any other loan rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details. Loan amounts range from $500 - $30,000. Not valid for the refinancing of existing UNIFY loans. Not intended for use as a student or debt consolidation loan. Must apply by February 28, 2017. Not valid with any other offers.

    UNIFY Financial Credit Union is an equal opportunity lender.

  • Auto Loan Rates as low as 0.74% APR!*

    Auto Loan Rates as low as 0.74% APR!*

    MAKE YOUR MOVE.
    Head for the open road...Let us put you in drive with your next auto loan!

    • Rates as low as 0.74% APR,* up to 36-months on new autos
    • Additional terms to eight years
    • No origination or prepayment fees**
    • Low rates for used and refinanced autos

    Apply Today:

    *APR =Annual Percentage Rate. Offer valid on Auto Loans starting November 15, 2016, and subject to change without notice. Advertised “as low as” APR assumes excellent credit history and a maximum rate discount of .25% and represents up to a 36-month term for a new auto. Your actual APR may differ based on your credit history, approved loan amount, term, down payment, whether it is a new or used auto, state of residence and applicable discounts. Available rate discounts include: .05% if Premier or eChecking Account is maintained during term of the loan; .05% if loan payment is automatically transferred from a UNIFY Savings or Checking Account for entire term of the loan; .15% for a recurring Direct Deposit of $400 or more per month to a UNIFY Savings or Checking Account during the term of the loan. Maximum total rate discount for any qualified loan is .25% and may not be combined with any other loan rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details. Estimated monthly payment is $28.10 per $1,000 borrowed for 36-month term and an APR of 0.74%. A down payment may be required. Vehicle must be titled and registered in the state borrower resides. Other restrictions may apply. Not valid with any other offers or to refinance existing UNIFY loans.

    **Title, taxes and state fees may apply.

    UNIFY Financial Credit Union is an equal opportunity lender.

  • Rewardiness! Good Friends Deserve Good Rewards

    Refer a friend to open a UNIFY Checking Account with Debit Card and you both get $25.*

    How it works:

    • Refer friends and family 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, plus they can earn up to an additional $25 by using their new UNIFY Visa Debit Card.**

    Easy to do:

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

    Share some REWARDINESS with a friend today

    *Offer valid (current date), and subject to change without notice. Existing members receive $25 for each new member they refer (no maximum referral limit) who qualifies for and opens a Checking Account (excluding Right Start Checking and Right Start Debit) with a UNIFY Visa Debit Card. Referred member cannot currently be a primary or joint owner on any existing or previously closed UNIFY account. $25 bonus is credited to the Primary Savings Account after the first statement cycle of referred member account opening. Members must be in good standing with UNIFY to receive bonus. Members 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. UNIFY employees, volunteers, and family members not eligible. Not valid with any other offers.

    **Referred new member receives $1 bonus for each debit card transaction made with their new UNIFY Visa Debit Card that exceeds $5 within the first 45 days of account opening (maximum bonus of $25). ‘Debit card transaction’ includes point of sale (POS), signature-based, and ATM transactions. 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. Subject to change without notice and not valid with other offers. UNIFY employees, volunteers, and family members not eligible.

  • Stop Overpaying Today!

    Transfer high-rate credit card balances to our Fixed-Rate Visa Credit Card, No Fee!

    Balance Transfer Rates as low as 4.99% APR for 12 months, then contract rate (as low as 8.99% APR) applies.1

    IT’S EASY TO DO!

    1. Online: via eBanking
    2. Branch

    Not a UNIFY Fixed-Rate Visa Cardholder? Apply today:
    1. Online
    2. Phone: 877.254.9328
    3. Branch

    Interest Rates and Interest Charges
    Annual Percentage Rate (APR) for Purchases 8.99% – 18.00%
    The APR you receive is based on your creditworthiness.
    Introductory APR for Purchases 4.99% – 14.00%
    Introductory rate valid for first six months (statements) loan is open. Beginning with seventh month, interest rate reverts back to contract rate.
    APR for Balance Transfers 4.99% – 14.00%
    Discount rate valid for first 12 months (statements) following advance. Beginning with 13th month, any unpaid balance reverts to contract rate (same as APR for purchases).
    APR for Cash Advances 8.99% – 18.00%
    Grace Period for Repayment of Purchase Balances 25 days after the closing of each billing cycle
    Fees
    Annual Fee No Fee
    Transaction Fee for Purchases No Fee
    Transaction Fee for Cash Advances and Balance Transfers No Fee
    Over Credit Limit Fee No Fee
    Late Payment Fee $25.00
    Returned Payment Fee $25.00
    Foreign Transaction Fee 2% of US dollar transaction amount
    Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore/

    How We Will Calculate Your Balance: We use a method called “average daily balance” including new purchases.

    This information was accurate as of November 2016, and is subject to change. Phone UNIFY at 877.254.9328 for any changes.

    The maximum APR is 18.00%.

    1APR for balance transfers is discounted 4.00% less than your approved UNIFY Fixed-Rate Visa Credit Card APR on balance transfers from other creditors to your new UNIFY Fixed-Rate Visa Credit Card via UNIFY eBanking or a UNIFY representative. Interest is charged at the discounted rate from the balance transfer transaction date through the first 12 consecutive billing cycles following the transfer. After the twelfth billing statement, the rate will revert to your approved contract APR and be charged to any remaining unpaid balance. Minimum balance transfer amount is $500. Cash advances, convenience checks, and purchases are not eligible for this promotional interest rate. Promotion may end at any time. Not valid with other offers.

    See UNIFY’s Visa Credit Card Disclosure and Agreement for full details.

    UNIFY Financial Credit Union is an equal opportunity lender.

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.