Featured Savings Rates
Featured Accounts

UNIFY Financial Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.07%5-year CD60 Month Share Certificate
0.95%1-year CD12 Month Share Certificate
0.15%Savingse-Savings

Overview / Commentary
877-254-9328
1899 Western Way
Torrance, CA 90501

UNIFY Financial Credit Union is headquartered in Torrance and is the 16th largest credit union in the state of California. It is also the 87th largest credit union in the nation. It was established in 1963 and as of March of 2016, it had grown to 503 employees and 189,406 members at 48 locations. UNIFY Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to anyone with membership in a partnering non-profit organization. Eligible organizations are the Friends of Hobbs ($25 membership fee) or the Surfrider Foundation ($25 to join). Membership is also open to those who live or work in a select area.
See current membership details

Related Posts

Western FCU (Easy Membership) Has Top-Rate 19-Month IRA - 10/19/2015

Western Federal Credit Union (easy membership) has a 19-month High Yield IRA Special (2.00% APY). Minimum deposit is $500, with a maximum deposit of $500K per membership.

View all posts from:


Reviews (3)

Western Federal Credit Union

Posted by: Daniel3 | Oct 17, 2014

While I have not interacted directly with the employees of WFCU, what little I did experience was pleasant. Opening an account was brisk and was able to be used virtually immediately. The primary reasons I enjoy having WFCU as my "bank" of choice is lack of fees for checking accounts and use of certain ATMs that let me deposit and withdraw funds, mostly without incurring a fee. The latter point is essential as there aren't many WFCU branches around the area but there is an ATM I can visit within five minutes by car and incur no fees. On top of that, my money is available for use immediately. I am also eligible to refer friends and family to WFCU to open an account with them and earn a small bonus for myself and the person I've referred.

Excellent Service & Promo Rate Experience @ Western FCU

Posted by: mismot | Jun 9, 2010

CA Auto Loan Promo: I just completed a new car loan with Western Federal Credit Union in Hawthorn, CA - 2.99% for 60 months. It's available to qualified members in CA that have a credit score of 740 or higher.  No down payment required, fixed rate for term of the loan, no prepay penalty fees and calculated on simple interest. Check their site for futher details. Topping that off the customer service was Excellent!!! I worked with Santos who returned calls promptly, confirmed receipt of faxes, did everything he said he was going to do, and went beyound to expedite the process due to a surprise deadline that was a result of car dealership monkey business. I searched the web high and low but could not find a better rate for the 60 month term. 

Mortgage Discount Promo: My mom's boyfriend is refinancing his home loan with Western as the have a promo for NO Closing Costs & NO Processing Fee. The 30 year fixed rate looks really good. Check site for futher details. He is working with Aaron, the branch manager, who is also very personable, informative and has the members best interest as top priority.

Too Much Smoking You-Know-What?

Posted by: planxy | May 26, 2013

Promotion for opening account was paid. Then, computer access to my account codes got me somebody else's account, twice. Long, long call needed to fix. Automatically enrolled me in anti-American lobbying group against any form of capitalism, not my desired activity as credit unions should not have a political nature. Credit card application accepted and then had to verify out the for small line, then would have had to had to physically sign application again in branch 3 hours drive each way through kamikaze traffic if wanted bonus of bout $50. Enough is enoungh, departed its world of smoking haze.



Health
B+

Health Grade Components

Overall
NCUA #15732
Year Chartered1963
Employees503
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.19%
Annual Interest Income$23.0MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$2.24B$2.10B
LoansQ1 2016vs Q1 2015$1.52B$1.30B
DepositsQ1 2016vs Q1 2015$1.98B$1.82B
Equity CapitalQ1 2016vs Q1 2015$192.9MM$181.1MM
Loan Loss AllowanceQ1 2016vs Q1 2015$11.0MM$11.0MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$10.5MM$11.8MM
Real Estate OwnedQ1 2016vs Q1 2015$978.00K$225.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not UNIFY Financial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

UNIFY Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--IRA Savings Account
0.15%--Regular Savings
0.15%-$10kClub Account
0.15%--e-Savings

UNIFY Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Money Market Account
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $50k

UNIFY Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2k-Premier Checking
0.10%$25-e-Checking

UNIFY Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.07%$1k-60 Month Share Certificate
1.65%*$100k*-48 Month Share Certificate
OTHER TIERS: 1.55% $1k - $40k | 1.60% $40k - $100k
1.36%*$100k*-36 Month Share Certificate
OTHER TIERS: 1.26% $1k - $40k | 1.31% $40k - $100k
1.21%*$100k*-24 Month Share Certificate
OTHER TIERS: 1.11% $1k - $40k | 1.16% $40k - $100k
0.95%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.85% $1k - $40k | 0.90% $40k - $100k
0.76%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.66% $1k - $40k | 0.71% $40k - $100k
0.56%*$100k*-3 Month Share Certificate
OTHER TIERS: 0.46% $1k - $40k | 0.51% $40k - $100k

UNIFY Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.07%$1k-60 Month Fixed IRA
1.65%*$100k*-48 Month Fixed IRA
OTHER TIERS: 1.55% $1k - $40k | 1.60% $40k - $100k
1.36%*$100k*-36 Month Fixed IRA
OTHER TIERS: 1.26% $1k - $40k | 1.31% $40k - $100k
1.21%*$100k*-24 Month Fixed IRA
OTHER TIERS: 1.11% $1k - $40k | 1.16% $40k - $100k
0.97%$1k-36 Month Variable IRA
0.95%*$100k*-12 Month Fixed IRA
OTHER TIERS: 0.85% $1k - $40k | 0.90% $40k - $100k
0.74%$1k-18 Month Variable IRA
Locations

UNIFY Financial Credit Union has 48 locations. Click to view all UNIFY Financial Credit Union locations.