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Important Message: Certain features on our website, including rates and applications, will be unavailable:
Wednesday, December 7, 10:00 PM (PT) - Thursday, December 8, 2:00 AM (PT)
The times listed above are approximate. We apologize for the inconvenience.

Promotions

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

    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 January 31, 2017. Not valid with any other offers.

    UNIFY Financial Credit Union is an equal opportunity lender.

  • Refinance your Auto Loan with UNIFY and get up to $200!*

    Refinance your Auto Loan with UNIFY and get up to $200!*

    Switch lanes to UNIFY!
    Refinance your Auto Loan from another lender with UNIFY —and for a limited time, get up to $200!*

    • Rates as low as 1.24% APR,1 up to 36-months on used and refinanced autos
    • Up to 100% financing
    • Additional terms to 8 years
    • No prepayment penalites2

    Refinance with UNIFY. Get up to $200!*

    Apply Today!

    *Refinancing of an existing UNIFY Auto Loan not eligible for this offer. Offer valid on Auto Loans starting August 30, 2016, and subject to change without notice. Auto Loan application must be submitted by November 30, 2016. You must make your first scheduled payment in the first 60 days of loan funding date in order to receive the offer. Loans funded between $5,000 - $14,999 will receive a bonus offer of $100. Loans funded $15,000 or more will receive a bonus offer of $200. Credit of $100 or $200 will be deposited into applicant’s Primary Savings Account after the 61st day of the loan origination date. If the Auto Loan is closed in the first 60 days, the bonus offer will become invalid, and credit will not be applied. UNIFY employees, volunteers, and family members are not eligible.

    1APR = Annual Percentage Rate. Offer Valid on Auto loans starting on August 30, 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 used and refinanced 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 $28.31 per $1,000 borrowed for a 36-month term with an APR of 1.24%. A down payment may be required. Vehicle must be titled and registered in the state borrower resides. Other restrictions may apply.

    2Title, taxes and state fees may apply.

    UNIFY 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 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.