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  • Special Low Balance Transfer Rates

    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
    Balance Transfer Rates as low as 0.99% APR1,2

    (for 12 months, then variable contract rate as low as 12.49% APR applies)

    UNIFY Fixed-Rate Visa® Credit Card
    Balance Transfer Rates as low as 3.99% APR1

    (for 12 months, then contract rate as low as 9.49% APR applies)

    UNIFY Variable-Rate Visa® Credit Card
    Balance Transfer Rates as low as 4.99% APR1,2

    (for 12 months, then variable contract rate as low as 7.99% APR applies)

    Offer ends May 13, 2020.

    Ready to take charge?

    Don’t have a UNIFY Visa?

    Apply Today!

    This information is accurate as of February 10, 2020 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.

    1APR = Annual Percentage Rate. APR quoted is the lowest possible for well qualified borrowers. Promotional 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 by a UNIFY Representative to your UNIFY credit card account by May 13, 2020 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.

    2Variable 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. 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 3.24% - 12.49% and is based on your creditworthiness at account opening. The maximum APR is 18.00%.

    How we will calculate your balance: Average daily balance (including new purchases/transactions).

    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% APR* (for 24-month term)


    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.

  • Rewardiness! Good Friends Deserve Good Rewards

    You and your squad could each get $25!1


    • Brag about UNIFY to your squad and get $25 for each referral who opens a UNIFY Checking Account with Visa® Debit Card.1
    • Each referral will also receive $25, and can earn an additional $25 by using their new UNIFY Visa Debit Card.2

    WANT IN?

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

    Level up your squad—refer them to UNIFY today!

    1Existing members receive $25 for each new member they refer who qualifies for and opens a qualifying UNIFY Checking Account (excluding Right Start Checking and Right Start Debit) 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.
    2Referred 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.