UNIFY Financial Credit Union

Overview / Commentary
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 102nd largest credit union in the nation. It was established in 1963 and as of December of 2022, it had grown to 545 employees and 298,750 members at 49 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

Started Opening A UNIFY FCU Account ................ 5% 15 Month - 2/5/2023

UNIFY FCU is offering a 5% 15 month CD. 3/4's of the way into the application they give you the option(s) to fund. The ONLY way to link another institution is through the use of "Plaid". Any thoughts or concerns?

UNIFY Financial Credit Union Unveils 15-Month Certificate Special - 1/12/2023

UNIFY Financial Credit Union (easy membership) has added a competitive 15-month Share Certificate that offers one additional deposit. $500 min deposit. of new money.

Unify Financial Credit Union 5.00% APY 15-Month Share Certificate Available Nationwide - 1/10/2023

5.00% APY 15-Month Share Certificate • Open with as little as $500 (new money) • Make one additional deposit within 30 days • New money deposits only https://www.unifyfcu.com/savings-rates#share-certificate-rates-1387 New to UNIFY? No problem! open an account & certificate. Qualify for membership when join Friends of Hobbs. https://friendsofhobbsstatepark.com/

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Good Experience With This Credit Union

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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?

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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

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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.



Health Grade Components

NCUA #15732
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD14.34%
Annual Interest Income$159.3MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$4.09B$3.59B
LoansQ4 2022vs Q4 2021$3.42B$2.81B
DepositsQ4 2022vs Q4 2021$3.12B$3.07B
Equity CapitalQ4 2022vs Q4 2021$327.5MM$324.4MM
Loan Loss AllowanceQ4 2022vs Q4 2021$28.8MM$29.7MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$34.3MM$22.2MM
Real Estate OwnedQ4 2022vs Q4 2021$0$0

Rates for UNIFY Financial Credit Union are currently being reviewed.



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