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Promotions

  • 30-Month Share and IRA Certificate (1.85% APY1,2)

    MAKE TIME YOUR NEW BFF.

    Why not let time work for you! Open a UNIFY 30-month Share Certificate1 or 30-month IRA Certificate,2 and earn more for what’s ahead. Extra cash on hand later can mean more time with your other BFF.

    High Yield Share Certificate

    • 1.85% APY1
    • 30-month term3
    • $1,000 minimum balance
    • Federally insured by the NCUA

    Get That Money Working!

    Open your share at your nearest branch.

    Questions? Call 877.254.9328, available 24/7

    1APY = Annual Percentage Yield. Promotion expires on May 22, 2018. Dividends compounded and credited monthly. Quoted yield assumes dividends remain in account until maturity. Promotional 30-Month Share Certificate or 30-Month IRA Certificate must be funded with new money (not currently on deposit with UNIFY) and subsequent deposits are not permitted during certificate term. No limit on number of promotional Share Certificates or IRA Certificates opened during the promotion period. Share Certificate and IRA Certificates will automatically renew into a 24-Month Share Certificate or IRA Certificate upon maturity at the then-prevailing rate in effect, with a ten day grace period. Early withdrawal penalties may apply. Fees or withdrawals may reduce earnings on account. APY quoted is current as of February 21, 2018, for this promotional 30-Month Share Certificate or 30-Month IRA Certificate. UNIFY membership required. Offer subject to change without notice and may end at any time.

    2IRA = Individual Retirement Account. IRA Certificates may have IRS-imposed contribution limits and tax implications, especially for premature distributions. Consult a tax advisor to determine what applies to your individual situation.

    3Additional terms, rates, and minimum balances available.

  • Debt Consolidation Loan rates as low as 6.99% APR* (for 12-month term)

    BREATHE EASY.
    Discover the ease of one loan and one monthly payment with a UNIFY Debt Consolidation Loan.

    • Rates as low as 6.99% APR*
    • Loan amounts of $500 up to $50,000
    • Terms 12 to 84 months
    8.49% APR*
    (for 60-month term)
    Loan Amount
    Monthly Payment
    $5,000 loan
    $102.56
    $10,000 loan
    $205.12
    $20,000 loan
    $410.23

    APPLY TODAY!

    *APR = Annual Percentage Rate. Offer valid March 1, 2018, subject to change without notice and may end at any time. Advertised “as low as” APR assumes excellent credit history and includes 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, and applicable discount. Maximum rate discount is 0.25% and may not be combined with any other rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details. Loan disbursements paid directly to creditors and borrower may have to agree to close credit lines paid from proceeds of the Debt Consolidation Loan. Must apply by June 30, 2018. Not valid with any other offers. UNIFY membership is required.

    UNIFY Financial Credit Union is an equal opportunity lender.

  • Personal Loan rates as low as 2.99% APR* (for 12-month term)

    LIVE A LITTLE, LIVE A LOT.

    UNIFY’s Personal Loan is perfect for life’s now moments—plan that special occasion, manage unexpected expenses, bootstrap your side hustle or go on that ultimate trip.

    • Rates as low as 2.99% APR* for 12-month term
    • Loan amounts of $500 up to $50,000
    • Terms 12 to 84 months
    5.99% APR*
    (for 60-month term)
    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 Personal Loan is subject to change without notice. Advertised “as low as” APR assumes excellent credit history and includes a rate discount of 0.25% 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, and applicable discount. Maximum rate discount is 0.25% and may not be combined with any other rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details. Loan amounts from $500 – $50,000, minimum of $2,500 for terms 48 months or longer. Not intended for use as a student or debt consolidation loan. Must apply by December 31, 2018 and UNIFY membership is required. Not valid with any other offers.

    UNIFY Financial Credit Union is an equal opportunity lender.

  • Auto Loan Rates as low as 1.74% APR!*

    DRIVE YOUR WAY.

    Our Auto Loan fits your life’s style. Let UNIFY put you in drive with your next auto loan!

    • Rates as low as 1.74% APR,* up to 24-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 March 15, 2018, 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 0.25% 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 a 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.

    **Title, taxes and state fees may apply.

    UNIFY Financial Credit Union is an equal opportunity lender.

  • Credit Card Balance Transfer rates as low as 3.99% APR*

    FIND YOUR PATH.

    Transfer high-interest credit card balances to your UNIFY Visa® with no balance transfer fees! For a limited time, take advantage of rates as low as 3.99% APR* (for 12 months, then contract rate as low as 6.24% APR applies).

    One payment, one low rate... get there with no balance transfer fees! What could be simpler?

    Offer ends April 26, 2018.

    Apply Today:

    INTEREST RATES AND INTEREST CHARGES**
    Promotional Annual Percentage Rate(APR) for Balance Transfers 3.99% – 8.99%
    The APR you receive is based on your creditworthiness. Your Promotional Balance Transfer APR shall be fixed for the first 12 consecutive billing cycles following the balance transfer. After the 12th billing statement, any unpaid balance will revert to your contract APR for Purchases (6.24%-18.00%). If you have a variable-rate Visa credit card product, the post-promotional rate will no longer be fixed and the rate will vary based on the Prime Rate plus a margin.
    APR for Purchases and Cash Advances 6.24% – 18.00%
    The APR you receive is based on your creditworthiness. If you have a variable-rate Visa credit card product, the rate will vary based on the Prime Rate plus a margin.

    This information was accurate as of January 9, 2018, 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. As of December 14, 2017 Prime Rate was 4.50%. The margin ranges from 1.74% to 14.50% and is based on your creditworthiness at the time of application. The maximum APR is 18.00%. UNIFY Financial Credit Union is an equal opportunity lender.

    *APR = Annual Percentage Rate. APR quoted is the lowest possible for well qualified borrowers. Balance transfers must be made to other lenders by 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 consumer UNIFY Visa Credit Cards. Business Visa Credit Cards are not eligible for promotion. Minimum balance transfer amount to qualify for the promotional APR is $500. 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. Transfers must be posted to your credit card balance by April 26, 2018 to be eligible for promotion. Promotional offer may end at any time without notice. Not valid with any other offers.

    **All 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 may be 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.

    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.

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.