Overview / Commentary
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 78th largest credit union in the nation. It was established in 1963 and as of December of 2018, it had grown to 636 employees and 250,901 members at 60 locations. UNIFY Financial Credit Union's CD rates are 2X 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 ($25 membership fee) or the Surfrider Foundation ($25 to join).
See current membership details

Related Posts

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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.

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.

If You Like Losing Your Money!

They were just okay as Western now they are trash and a black hole as “unify”. Only use them if you like your processed transfers going into a black hole and having to spend time dealing with their poor service. Gross.



Health Grade Components

NCUA #15732
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD7.64%
Annual Interest Income$125.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$3.02B$2.84B
LoansQ4 2018vs Q4 2017$2.51B$2.24B
DepositsQ4 2018vs Q4 2017$2.35B$2.39B
Equity CapitalQ4 2018vs Q4 2017$233.5MM$223.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$18.6MM$14.9MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$27.4MM$20.8MM
Real Estate OwnedQ4 2018vs Q4 2017$300.00K$735.00K
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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

0.20%$5-IRA Savings Account
0.10%$200-Regular Savings
0.10%$5$10kClub Account
0.10%--Special Savings
0.10%--Youth Savings

UNIFY Financial Credit Union Money Market Rates

0.55%*$2.5k*$50kMoney Market Account
OTHER TIERS: 0.45% $100k+ | 0.50% $50k - $100k

UNIFY Financial Credit Union Checking Account Rates

0.10%$2k-Premier Checking

UNIFY Financial Credit Union CD Rates

2.55%$1k-60 Month Share Certificate
2.50%*$100k*-48 Month Share Certificate
OTHER TIERS: 2.40% $1k - $40k | 2.45% $40k - $100k
2.50%$1k-13 Month Share Certificate Special
2.40%*$100k*-36 Month Share Certificate
OTHER TIERS: 2.25% $1k - $40k | 2.35% $40k - $100k
2.20%*$100k*-24 Month Share Certificate
OTHER TIERS: 2.05% $1k - $40k | 2.15% $40k - $100k
1.96%*$100k*-12 Month Share Certificate
OTHER TIERS: 1.75% $1k - $40k | 1.91% $40k - $100k
1.50%*$100k*-6 Month Share Certificate
OTHER TIERS: 1.40% $1k - $40k | 1.45% $40k - $100k
1.11%*$100k*-3 Month Share Certificate
OTHER TIERS: 1.00% $1k - $40k | 1.06% $40k - $100k

UNIFY Financial Credit Union IRA Rates

2.76%$1k-18 Month Variable IRA
2.55%$1k-60 Month Fixed IRA
2.55%$1k-36 Month Variable IRA
2.50%*$100k*-48 Month Fixed IRA
OTHER TIERS: 2.40% $1k - $40k | 2.45% $40k - $100k
2.40%*$100k*-36 Month Fixed IRA
OTHER TIERS: 2.25% $1k - $40k | 2.35% $40k - $100k
2.20%*$100k*-24 Month Fixed IRA
OTHER TIERS: 2.05% $1k - $40k | 2.15% $40k - $100k
1.96%*$100k*-12 Month Fixed IRA
OTHER TIERS: 1.75% $1k - $40k | 1.91% $40k - $100k


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