Due to inclement weather across the country many UNIFY branches are closed. Check the Branch Locator for information on specific locations. Our 24/7 Contact Center and eBanking are available to serve you. Please be advised USPS and other delivery services are also impacted and member shipments may be delayed.


  • Balance Transfer rates as low as 0.99% - 3.99% APR1,3 (for 12 months)

    Recharge Your Purchase Power!

    Transfer high-interest credit card balances to your UNIFY Visa® with no balance transfer fee! For a limited time, take advantage of competitive rates no matter which UNIFY Visa Credit Card you have in your wallet.

    Engage Rewards Visa® Credit Card
    Transfer Rates as low as 0.99% APR1
    (for 12 months, then contracted variable rate as low as 10.99% APR applies)
    BONUS OFFER: Receive 5,000 Rewards Points when you transfer $2,500 or more!2

    UNIFY Fixed-Rate Visa® Credit Card
    Transfer Rates as low as 3.99% APR3
    (for 12 months, then contract rate as low as 9.49% APR applies)

    UNIFY Variable-Rate Visa® Credit Card
    Transfer Rates as low as 3.99% APR3
    (for 12 months, then contracted variable rate as low as 8.99% APR applies)

    Offer ends April 6, 2021.

    Are you ready to take charge?

    Don’t have a UNIFY Visa®? No problem!

    Apply Today!

    This information is accurate as of January 5, 2021 and subject to change after this date without notice. To find out what may have changed, contact UNIFY at 877.254.9328, available 24/7.

    APR = Annual Percentage Rate. APR quoted is the lowest possible for well qualified borrowers.

    1Variable APRs are based on the Prime Rate Index. 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 31, 2020, the Prime Rate was 3.25%. 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 5.74% - 14.24% and is based on your creditworthiness at account opening. The maximum APR is 18.00%. Promotional offer may end at any time without notice and may not be combined with any other offer.

    2Offer valid January 5 – April 6, 2021 and available on UNIFY Engage Rewards Visa® Credit Card only. 5,000 rewards points will be awarded for aggregate transfer amounts of $2,500 or greater to a UNIFY Engage Rewards Visa Credit Card from a non-UNIFY credit card during promotional period. Rewards points will be added to the Cardholder’s point balance by April 30, 2021 if $2,500 or greater is confirmed cleared and added to the Cardholder’s credit card balance. Points determination and participation in the Rewards Program is at the sole discretion of UNIFY as the Sponsor. Please visit for full Rewards Program details. Offer is subject to change without notice.

    3Promotional Balance Transfer APR is fixed for the first 12 billing cycles following the balance transfer. Beginning with the 13th billing cycle, any unpaid balance will revert to your contract APR for purchases, which may be fixed or variable, and is established at account opening and based on your creditworthiness. To qualify for the Promotional Balance Transfer APR, balance transfer must be posted through eBanking or by a UNIFY Representative to your UNIFY credit card account by April 6, 2021 in an amount of at least $500 and made payable to other creditors. Balance transfers cannot be made from a UNIFY credit card to another UNIFY loan or credit card. Cash advances, convenience checks, purchase transactions, and Business Visa credit cards are not eligible for promotion. Promotional offer may end at any time without notice and may not be combined with any other offer.

    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 for additional product information.

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

    UNIFY Financial Credit Union is an Equal Opportunity Lender

    Insured by NCUA

  • Auto Loan Rates as low as 1.74% APR1

    Destination Everywhere…

    Put the pedal to the metal and let UNIFY equip you for your next adventure. With an Auto Loan designed for everything from daily drives to grand explorations, you’re in control.

    • 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

    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!*


    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.


    • 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.**


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

    Start referring today and earn up to $600!

    Share some Rewardiness with a friend today!

    *Effective as of November 15, 2020. Offer subject to change without notice. Existing members receive $25 for each new member they refer who qualifies for and opens a Checking Account (excluding Right Start Checking) with a UNIFY Visa® Debit Card. 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 or Western 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 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.
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.