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Due to system maintenance, website features, including rates and product applications, will be unavailable Monday, July 26, at 10 PM (PT) to Tuesday, July 27, at 2 AM (PT). Times listed are approximate. We apologize for any inconvenience.

Visiting a branch? Check our Branch Locator, as we have updated our hours at several locations.

Promotions

  • Prime Reasons to use your UNIFY Engage Rewards Visa® Credit Card!

    Level Up Your Rewards

    For a limited time:
    Earn up to 6x points on Amazon® Purchases.1,2

    In celebration of Amazon’s Prime Day®…TRIPLE or SEXTUPLE (that’s 6x!) the Rewards Points earned for Amazon® purchases when you use your UNIFY Engage Rewards Visa® Credit Card.1,2 From clothes to electronics to entertainment to everyday items—all  can earn you more!

    Use your UNIFY Engage Rewards Visa® Credit Card for:

    • 6x Rewards Points on Amazon Prime Day® Purchases (June 21  June 22)1
    • 3x Rewards Points on Amazon® Purchases (June 23  July 31)

    Bump your Rewards today!

    Don’t have a UNIFY Engage Rewards Visa® Credit Card?

    Apply Today!

    16X Rewards Points promotion on the UNIFY Engage Rewards Visa® Credit Card is available from June 21 - 22, 2021 only. Rewards points are sextupled for eligible purchases made on amazon.com that post to your UNIFY Engage Rewards Visa® Credit Card from 12:00 AM PT on June 21, 2021 to 11:59 PM PT on June 22, 2021. Determination of eligible purchases for this 6X Rewards Points promotion is at the sole discretion of UNIFY Financial Credit Union and excludes Whole Foods Market purchases. 6X Rewards Points promotion not available with any other offer, is subject to change without notice, and may end at any time.

    23X Rewards Points promotion on the UNIFY Engage Rewards Visa® Credit Card is available from June 18 - July 31, 2021 (excluding the 6X Rewards Points promotion dates of June 21-22, 2021). Rewards points are tripled for eligible purchases made on amazon.com that post to your UNIFY Engage Rewards Visa® Credit Card from 12:00 AM PT on June 18, 2021 to 11:59 PM PT on June 20, 2021; and from 12:00 AM PT June 23, 2021 to 11:59 PM PT on July 31, 2021. Determination of eligible purchases for this 3X Rewards Points promotion is at the sole discretion of UNIFY Financial Credit Union and excludes Whole Foods Market purchases. 3X Rewards Points promotion not available with any other offer, is subject to change without notice, and may end at any time.

    Rewards Points (“Points”) for all other eligible purchases made outside of this promotion will continue to accrue at one Point for every dollar spent, subject to the current terms and conditions of the UNIFY Engage Rewards Program. Points are added to the Cardholder’s Point balance by the close of the billing cycle following the billing cycle in which the eligible transactions are cleared and transmitted to the Administrator. For complete details and terms on your Points and Point redemption visit https://www.dreampoints.com/western/

    “Amazon,” “amazon.com,” “Amazon Prime Day,” and “Prime Day” are registered trademarks of Amazon.com, Inc. Amazon is not a sponsor of this promotion and UNIFY Financial Credit Union is not affiliated with Amazon or its affiliates.

    Visa® is a registered trademark of VISA U.S.A. Inc.

  • Auto Loan Rates as low as 1.74% APR1

    Get Out There…

    From daily commutes to long hauls – we’ll help get you there. Start your journey today with an Auto Loan from UNIFY. 

    • 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

    DRIVE. EXPLORE.LIVE.

    Apply Today!

    1APR = Annual Percentage Rate. Offer valid on Auto Loans starting November 1, 2020, 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 and other restrictions may apply. Not valid with any other offers or to refinance existing UNIFY loans.

    2Offer valid starting November 1, 2020, 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!*

    REFER. REWARD. REPEAT.

    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.*

    HOW IT WORKS:

    • 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.**

    EASY TO DO:

    • 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.