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 7th largest credit union in the state of Texas. It is also the 90th largest credit union in the nation. It was established in 1963 and as of March of 2022, it had grown to 535 employees and 270,889 members at 47 locations. UNIFY Financial Credit Union 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 or the Surfrider Foundation.
See current membership details

Related Posts

UNIFY Financial Credit Union Adds Competitive 15-Month No Penalty CD - 5/21/2022

UNIFY Financial Credit Union (easy membership) has added a competitive 15-month Share Certificate that offers a limited penalty-free withdrawal. $500 minimum deposit.

15 Month CD 2% APY - 5/19/2022

15-month CD - 2.00% $500 minimum balance And importantly; Can have one-time penalty-free withdrawal after 6 months for up to 50% of balance. CD must be funded with new money. Most branches near Los Angeles, CA & one in Roseland NJ. My experiance with phone communications has been good since December 2019 (when my membership began). Just called and was told that there are no longer any membership requirements but that CDs can only be opened by phone.

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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.

Bait & Switch

Since the change from Wester to Unify this is a totally different company. They advertise awesome benefits for their members, but it is bait and switch! For example, the APR they advertise on their website is not available to anybody, due to absolutely ridiculous 'qualifications'. Even with a healthy income, perfect credit scores, very little debt, NO credit card debt, and a long time member will not "qualify" for the low rates. Their 'qualifications' make it non-existent. This is false advertising at best. On top of that, the department does not return phone calls or follow-up when they say they will. This company needs a total make-over! The only thing good about this company is the functionality of their website.

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
B+

Health Grade Components

Overall
NCUA #15732
Year Chartered1963
Employees535
Primary Regulator
Profit Margin
Return on Assets - YTD1.82%
Return on Equity - YTD21.26%
Annual Interest Income$32.9MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$4.09B$3.54B
LoansQ1 2022vs Q1 2021$3.36B$2.27B
DepositsQ1 2022vs Q1 2021$3.15B$3.00B
Equity CapitalQ1 2022vs Q1 2021$328.4MM$299.0MM
Loan Loss AllowanceQ1 2022vs Q1 2021$25.8MM$29.7MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$27.0MM$18.5MM
Real Estate OwnedQ1 2022vs Q1 2021$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%$200-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
0.45%*$100k*-Money Market Account
OTHER TIERS: 0.30% $2.5k - $10k | 0.35% $10k - $50k | 0.40% $50k - $100k

UNIFY Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2k-Premier Checking
0.05%$1k-e-Checking

UNIFY Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-15 Month Share Certificate Special - New Money
1.20%*$100k*-60 Month Share Certificate
OTHER TIERS: 1.10% $1k - $40k | 1.15% $40k - $100k
1.10%*$100k*-48 Month Share Certificate
OTHER TIERS: 1.00% $1k - $40k | 1.05% $40k - $100k
1.00%*$100k*-36 Month Share Certificate
OTHER TIERS: 0.90% $1k - $40k | 0.95% $40k - $100k
0.85%*$100k*-24 Month Share Certificate
OTHER TIERS: 0.75% $1k - $40k | 0.80% $40k - $100k
0.75%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.65% $1k - $40k | 0.70% $40k - $100k
0.50%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.40% $1k - $40k | 0.45% $40k - $100k
0.35%*$100k*-3 Month Share Certificate
OTHER TIERS: 0.25% $1k - $40k | 0.30% $40k - $100k

UNIFY Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-36 Month Variable IRA
2.60%*$1k*$40k18 Month Variable IRA
OTHER TIERS: 2.06% $40k+
1.20%*$100k*-60 Month Fixed IRA
OTHER TIERS: 1.10% $1k - $40k | 1.15% $40k - $100k
1.10%*$100k*-48 Month Fixed IRA
OTHER TIERS: 1.00% $1k - $40k | 1.05% $40k - $100k
1.00%*$100k*-36 Month Fixed IRA
OTHER TIERS: 0.90% $1k - $40k | 0.95% $40k - $100k
0.85%*$100k*-24 Month Fixed IRA
OTHER TIERS: 0.75% $1k - $40k | 0.80% $40k - $100k
0.75%*$100k*-12 Month Fixed IRA
OTHER TIERS: 0.65% $1k - $40k | 0.70% $40k - $100k
Locations

Availability

Los Angeles Area

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