UNIFY Financial Credit Union savings & loan rates


UNIFY Financial Credit Union offers competitive rates on savings accounts, checking accounts, and share certificates as well as low-rate auto loans, home loans, personal loans, and more. Browse all of our competitive savings rates and low-rate loans for your banking needs. Need help determining your monthly payment or earnings? Use our easy online calculators.

Checking & Savings Rates


Checking Account Rates

HY Checking Account
$0 to 1,999.99 0.05% APY*
$2,000 to $15,000 4.00% APY*
$15,000+ 0.05% APY*

Premier Checking Account
0.05% APY*

FREE Checking Account
0.00% APY*

Checking Account RatesOpen Checking Account Online

Certificate Account Rates

Share Certificates & IRA Accounts
as high as 3.40% APY*

Share Certificate RatesOpen Share Certificate Online



Loan Rates


VISA® Credit Card Rates

Visa Platinum Credit Card
as low as 9.49% APR*

Visa Gold Credit Card
as low as 10.24APR*

Visa Classic Credit Card
as low as 11.24APR*

Engage Rewards Visa Signature
as low as 15.74% APR*

Visa Credit Card RatesApply for a Credit Card Online

Auto Loan Rates

New and Used Vehicles 
as low as 6.74% APR*

New and Used Motorcycles 
as low as 8.74% APR*

New and Used Boat or RV 
as low as 8.99% APR*

New and Used ATV or Power Sports 
as low as 8.74% APR*

Auto Loan RatesApply for an Auto Loan Online

Mortgage Loan Rates

Fixed Rate Home Loans
as low as 6.488% APR*

Adjustable Rate Home Loans
as low as 7.109% APR*

Home Equity Loans and HELOCs
as low as 8.99APR*

Down Payment Second Mortgage Loan
as low as 11.99% APR*

Mortgage RatesApply for a Home Loan Online

Personal Loan Rates

Personal Loans
as low as 13.49% APR*

Debt Consolidation Loans
as low as 14.24% APR*

Signature Line of Credit
as low as 14.24% APR*

Personal Loan RatesApply for a Personal Loan Online

*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Displayed “as low as” loan rates include an optional .25% discount for automatic payment from a UNIFY share account where applicable. Click the product name for details. All rates and terms displayed are subject to change without notice.

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Savings Goal Calculator

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Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

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FREE Checking

Yep… we said FREE. Convenient and flexible, our FREE Checking account is the no-fuss way to manage your money.

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