Promotions

UNLOCK THE POTENTIAL.

The federal funds rate increased 3x in 2018, and just went up again on December 20th! Wouldn’t it be nice for your shares to get a raise each time? Look no further. Our high yield 25-Month Variable Share Certificate rate raises WITH the federal funds rate. Go ahead, pinch yourself.

• Rate increased from 2.05% to 2.30% APY*
• Variable APY changes with the federal fund rate
• 25-month term
• $1,000 minimum balance

What is the federal funds rate?

When a financial institution cannot meet their reserve requirements they can borrow from the Federal Reserve or from other financial institutions that hold funds at the Federal Reserve.

The federal funds rate is the interest rate that financial institutions charge each other for loans to meet reserve requirements. Check out the rising rate trend!

GIVE YOURSELF A RAISE.

Open a Variable Rate Share Certificate today at your nearest branch!

Questions? Call 877.254.9328, available 24/7

*APY = Annual Percentage Yield. APY quoted is current as of January 1, 2019. Promotion expires on February 12, 2019. Promotional 25-Month Share Certificate must be funded with a minimum of $1,000 in new money (not currently on deposit with UNIFY) and subsequent deposits are not permitted during certificate term. Variable APY is computed by subtracting a margin of 20 basis points from the index, which is the Federal Open Market Committee (FOMC) target federal funds rate as published by the Federal Reserve. Dividends compounded daily and credited monthly. Quoted yield assumes dividends remain in account until maturity. No limit on number of promotional Share Certificates opened during the promotion period. Share Certificate will automatically renew into a 24-month term Fixed Rate Share 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. UNIFY membership required. Offer subject to change without notice and may end at any time.

DREAM IT. WE’LL MAKE IT HAPPEN.

UNIFY’S PERSONAL LOAN kick starts your dreams. Give your family a vacation to remember, manage unexpected expenses, or plan that special occasion. Your loan, your way.

• Rates as low as 2.99% APR^* for 12-month term
• Loan amounts of $500 up to $50,000
• Terms 12 to 84 months

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 January 31, 2019 and UNIFY membership is required. Not valid with any other offers.

UNIFY Financial Credit Union is an equal opportunity lender.

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.

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 April 27,2018, 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.