UNIFY Financial Credit Union


Overview / Commentary
310-381-2300
740 N Watters Rd Suite 170
Allen, TX 75013

UNIFY Financial Credit Union is headquartered in Allen and is the 9th largest credit union in the state of Texas. It is also the 116th largest credit union in the nation. It was established in 1963 and as of December of 2023, it had grown to 527 employees and 260,479 members at 51 locations. UNIFY Financial Credit Union's CD rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in UNIFY Financial Credit Union is open to anyone with membership in the Friends of Hobbs.
See current membership details

Good Experience With This Credit Union

Posted by: |

I've been a customer of this credit union for the last 3 years now. I use them for CD's. They got me hooked with their open CD initially, but that special CD is gone now so have regular CD's(certificates) since then. I've had nothing but excellent service both in person and by phone with this bank!

Too Much Smoking You-Know-What?

Posted by: |

Promotion for opening account was paid. Then computer access using my unique and randomized account codes got me somebody else's account page, twice. Long, long call needed to fix security breach. 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 myself all over again for small $ line, then would have had to physically sign application again in branch 3 hours drive each way through kamikaze traffic for another bonus of $50. Enough is enough, departed its world of smoking haze.

Complete Frauds In Banking

I got a statement in the mail from Unify FCU about an "inactive account fee", which I found interesting because I have NEVER heard of or used Unify FCU before in my life. I called them to get the account closed so I didn't keep getting charged an inactive account fee. Both the initial representative and the supervisor told me they were unable to close the account unless I wrote a written letter to them in the mail requesting cancellation with a bunch of information I didn't have access to (you know, because I never opened an account in the first place). I am going to keep getting charged a $5 inactive account fee until I figure out how to close an account I never opened and can't access online in any way. BEWARE OF USING THEM!

Excellent Service & Promo Rate Experience @ Western FCU

Posted by: |

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.

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Health

Health Grade Components

Overall
NCUA #15732
Year Chartered1963
Employees527
Primary Regulator
Profit Margin
Return on Assets - YTD-0.53%
Return on Equity - YTD-9.32%
Annual Interest Income$188.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$3.81B$4.09B
LoansQ4 2023vs Q4 2022$3.3B$3.42B
DepositsQ4 2023vs Q4 2022$3.23B$3.12B
Equity CapitalQ4 2023vs Q4 2022$221.5MM$327.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$140.2MM$28.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$59.8MM$34.3MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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.

UNIFY Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$5-IRA Savings Account
0.10%$5-Regular Savings
0.10%$5$10kClub Account
0.10%$5-e-Savings
0.10%--Special Savings
0.10%--Youth Savings

UNIFY Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-Money Market Account
OTHER TIERS: 0.60% $2.5k - $10k | 0.65% $10k - $50k | 0.70% $50k - $100k

UNIFY Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$2k*$15kHigh Yield Checking
OTHER TIERS: 0.05% Any amount
0.05%$2k-Premier Checking
0.05%$1k-e-Checking

UNIFY Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-3 Month Share Certificate
4.50%$1k-6 Month Share Certificate
4.50%$1k-12 Month Share Certificate
3.40%*$100k*-60 Month Share Certificate
OTHER TIERS: 3.10% $1k - $40k | 3.25% $40k - $100k
3.20%*$100k*-48 Month Share Certificate
OTHER TIERS: 2.90% $1k - $40k | 3.05% $40k - $100k
3.00%*$100k*-36 Month Share Certificate
OTHER TIERS: 2.70% $1k - $40k | 2.85% $40k - $100k
2.70%*$100k*-24 Month Share Certificate
OTHER TIERS: 2.40% $1k - $40k | 2.55% $40k - $100k

UNIFY Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.26%$1k-18 Month Variable IRA
4.50%$1k-12 Month Fixed IRA
4.47%$1k-36 Month Variable IRA
3.40%*$100k*-60 Month Fixed IRA
OTHER TIERS: 3.10% $1k - $40k | 3.25% $40k - $100k
3.20%*$100k*-48 Month Fixed IRA
OTHER TIERS: 2.90% $1k - $40k | 3.05% $40k - $100k
3.00%*$100k*-36 Month Fixed IRA
OTHER TIERS: 2.70% $1k - $40k | 2.85% $40k - $100k
2.70%*$100k*-24 Month Fixed IRA
OTHER TIERS: 2.40% $1k - $40k | 2.55% $40k - $100k
Locations

Availability



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