Due to system maintenance, website features, including rates and product applications, will be unavailable Monday, October 26, at 10 PM (PT) to Tuesday, October 27, at 2 AM (PT). Times listed are approximate. We apologize for any inconvenience.


  • Hit the Road…with a UNIFY Auto Loan


    From daily commutes to long hauls – we’ll help get you there. Start your journey today with an Auto Loan from UNIFY.

    • Rates as low as 1.74% APR* (for 24-month term)
    • No Payments up to 90 days**
    • Used and Refinanced Vehicles
    • Off-Road, Motorcycles, and Classic Vehicles
    • Terms up to eight years
    • No Origination or Pre-Payment Fees***
    • Payment Examples

    Apply Today!

    *APR = Annual Percentage Rate. Offer valid on Auto Loans starting June 8, 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.

    **Offer valid starting June 8, 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.

    ***Title, taxes and state fees may apply.

    UNIFY Financial Credit Union is an equal opportunity lender.

    Insured by NCUA

  • 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) 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. 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.
    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.