Business Details
50+ Years
experience
Your Trusted Credit Union for Banking, Loans & Financial Services
UNIFY Financial Credit Union is a not-for-profit financial institution owned by its members. Since 1940, we have prioritized member needs through competitive financial products, including savings and checking accounts, mortgage and auto loans, and investment services. With $3.5 billion in assets and a nationwide footprint, we operate 17 branches across key markets like Los Angeles, Orange County, Plano, and Northwest Arkansas. Our member-centric approach emphasizes low rates, flexible terms, and innovative digital banking tools like eBanking and mobile apps. We maintain 100,000+ surcharge-free ATMs and a 7-day contact center to ensure accessibility.Recognized with awards like Best Credit Union by Northwest Arkansas and South Bay's Best Credit Union, we combine personalized service with modern financial solutions. Our board of directors and supervisory committee oversee operations with transparency, while financial education resources empower members to achieve long-term stability. Through programs like Rewardiness and Direct Deposit Bonuses, we reward loyalty while maintaining federal insurance up to $250,000 per account.
Services
Savings Accounts
Checking Accounts
Auto Loans
Credit Cards
Personal Loans
Mortgage Loans
Online Banking
Mobile Banking
Financial Education
Investment Services
Details
- Year established: 1940
Highlights and features
- We offer competitive APRs on mortgages, auto loans, and credit cards with optional automatic payment discounts
- Our 7-day contact center provides nationwide support for members in all 50 states
- With $3.5 billion in assets, we combine institutional strength with personalized service
- 100,000+ surcharge-free ATMs ensure convenient cash access across the United States
- Award-winning financial education programs help members achieve long-term stability
What people say
Friendly and knowledgeable team
Excellent customer service
Competitive loan rates
User-friendly mobile app
Financial education resources
Services
Mortgage Loans
Our mortgage division offers fixed-rate and refinance options with competitive APRs. Specialists help determine affordable home buying limits using personalized calculators. We provide foreclosure avoidance guidance and support for first-time homebuyers through educational resources and counseling services.
Auto Loans
We provide new and used vehicle financing with rates starting at 5.49% APR. Our loan specialists help members compare terms and payment options while offering pre-approval services. Online calculators help estimate monthly payments before visiting dealerships.
Online Banking
Our eBanking platform enables 24/7 account management including bill payment, fund transfers, and Zelle transactions. Mobile app features include mobile check deposit, card controls, and real-time balance tracking with biometric security options for enhanced protection.
Financial Education
We offer free webinars, seminars, and online resources covering budgeting, credit building, and fraud prevention. Educational materials include mortgage payment guides, credit report access instructions, and identity theft protection strategies tailored to member needs.
Credit Cards
Our credit card options feature rewards programs and rates starting at 14.49% APR. Cardholders receive purchase protection, price matching, and exclusive member discounts. The UNIFY Card Manager app provides spending controls and real-time transaction alerts.
Questions
How do I become a UNIFY member?
Membership requires opening a share account with a $5 minimum deposit. Eligibility extends to anyone living or working in our service areas across 17 states.
What mortgage rates do you currently offer?
Current rates start at 5.750% APR for 30-year fixed mortgages and 5.125% APR for 15-year terms, with discounts available for automatic payments.
Do you charge monthly checking account fees?
Our Free Checking account has no monthly maintenance fees, overdraft fees, or minimum balance requirements for standard transactions.
How can I access customer support?
Contact our 7-day call center at 877.254.9328, use live chat on our website, or visit any of our 17 nationwide branches during regular business hours.
What digital banking tools are available?
We offer mobile banking with check deposit, card controls, Zelle transfers, and eBanking with bill payment and account management features accessible 24/7.
Are there rewards for referring friends?
Yes, our Rewardiness program offers up to $600 in bonuses when referred friends open qualifying accounts and maintain balances for 90 days.
Videos
Reviews (7)
Chris A.
Dec 03, 2021
Report
Here's a huge shout out to Art Gomez and the whole Unify team for helping me and my family/friends with all our financial needs. I first walked in to Unify back in July 2021, since then they have helped me TWICE!; walking in I was not only in a financial struggle but I was stressed. Once Art explained my options and walked me through the process and gave me the help i needed, everything slowly started falling into place. I have referred family and friends to him and the Unify team - hoping they receive the same financial guidance I did when I first went to Unify.
thanks TEAM!
thanks TEAM!
Craig E.
Oct 12, 2021
Report
Art here really is a Pro! He aided Me with My stagnate account that I forgot I ever even had. So He patiently ask & brought it all current today. I Was thoroughly impressed with Arts kind Gentlemanly "like" representation, He used!!
Jay U.
Aug 24, 2021
Report
How can they help you, when they cannot help themselves? I have had the most difficult time trying to open accounts. It should not be this hard for US citizens to open an account in their very own country. They asked for tons of paperwork, even after it was given to them, they gave me the runaround. They have literally wasted 3 weeks of my time and blamed someone else for them not opening the accounts. I will be filing a formal complaint because they have no idea what they are doing. Any bank has to be better than them.
Lovely L.
Aug 07, 2021
Report
I went in today and had the most wonderful experience ! Art was So helpfully and gave me the piece of mind I haven't had in years! His ability to show me the right way to get out of debt and his patience was awesome. Thanks you so much Art !
Darrell E.
Aug 01, 2021
Report
Art and his staff are great. They all have exceptional customer service. Art has helped me through my time business banking at this location. He has also helped me with getting my auto loan. The process was seamless. Art is great. If you need any help, ask for Art.
Lefteye J.
Jul 29, 2021
Report
I'm sitting here waiting on paperwork to sign to get my credit builder loan and they're taking forever. This has never happened before. The first loan officer never got back with me on my application so I had to reapply again. This shouldn't be happening.
Valerie W.
Jun 14, 2020
Report
I'm very disappointed in the service I received today. (Normally I get great service here.)
The gentleman who helped me in the absence of a teller repeatedly gave me incorrect information about the total amount I was depositing (as a regular monthly loan payment). I had given him several hundred dollars in cash first and then a check, but he somehow forgot about the cash and was basically telling me he was crediting my account for only the check. He did seemed distracted by other customers who were standing behind me, but what was so disappointing is that he never apologized, and that I had
The gentleman who helped me in the absence of a teller repeatedly gave me incorrect information about the total amount I was depositing (as a regular monthly loan payment). I had given him several hundred dollars in cash first and then a check, but he somehow forgot about the cash and was basically telling me he was crediting my account for only the check. He did seemed distracted by other customers who were standing behind me, but what was so disappointing is that he never apologized, and that I had
