UNIFY Financial Credit Union

Overview / Commentary
1899 Western Way
Torrance, CA 90501

UNIFY Financial Credit Union is headquartered in Torrance and is the 17th largest credit union in the state of California. It is also the 86th largest credit union in the nation. It was established in 1963 and as of December of 2019, it had grown to 608 employees and 261,263 members at 62 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 ($25 membership fee) or the Surfrider Foundation ($25 to join).
See current membership details

Related Posts

UNIFY Financial Offers No-Penalty 19-Month CD, Up To 2.25% APY - 12/23/2019

UNIFY Financial CU (easy membership) 19-month Liquid Certificate earns 2.25% APY ($5k min, 2 no-penalty withdrawals) or 2.00% APY ($500 min, 1 no-penalty withdrawal).

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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.

Too Much Smoking You-Know-What?

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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.

Lost Deposit

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I have been a customer at this credit union since 1991 when it was Western Federal Credit Union. It had always been an excellent bank in every way. Once Western became Unify, it was not the same and I have had ongoing problems. Each year, for the past 5 years, there are several months that I make a regular deposit of $2,800 into my savings account. The deposits are in the form of a check, U.S. Funds, written from a Canadian bank. And every year, at least once a year, Unify makes mistakes on the deposits. Once they converted US Funds to Canadian funds, then back to US funds and deducted a conversion rate of $1,000. It took many long phone calls and messages to straighten out their mistake. On February 28, I made the deposit as usual and it still has not posted to my account 6 weeks later. Normally the transaction takes about 2 weeks to post. I have spoken to the bank every day for the last 4 days. On day 1, I was told someone would call me the next day once they had located the deposit. No one called. I called the second day and was told they were processing it and would contact me with an update. No contact. I called the third day and was told they located the deposit, had requested it to be expedited and it would post to my account by 6:00 PM that night. It did not post. I called the next day and was told they found the deposit and were sending it to Torrance to process and it would post in a few weeks. I said that was unacceptable. They had the check for 6 weeks and let it sit at the bottom of someone's pile without processing. This was the Barranca Branch of Unify and the Branch Supervisor is Fabiola, and the Branch Manager is Shawnette. They both failed at doing their jobs and clearly manage that branch very poorly. The bank has never apologized nor has one of the supervisors or managers accepted responsibility for the reprehensible neglect. I was told someone would call me yesterday before noon to give me an update. Needless to say no one called. It is now day 5 from the day I started searching for my money and still no word from the bank and no genuine confirmation they have actually found the money they lost. Each time I make these deposits, I hold my breath because the tellers are never familiar with how to do the deposit correctly and I am acutely aware of the possibility of a mistake.

I can't express how disappointed I am in this bank. I will never recommend it to anyone. They don't deserve to be in business. And as an aside, I am amazed at their low ratings and how many bad reviews they have received.

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 - YTD0.67%
Return on Equity - YTD7.55%
Annual Interest Income$137.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$3.05B$3.02B
LoansQ4 2019vs Q4 2018$2.50B$2.51B
DepositsQ4 2019vs Q4 2018$2.44B$2.35B
Equity CapitalQ4 2019vs Q4 2018$270.9MM$233.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$21.6MM$18.6MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$35.0MM$27.4MM
Real Estate OwnedQ4 2019vs Q4 2018$0$300.00K
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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

0.15%$5-IRA Savings Account
0.05%$200-Regular Savings
0.05%$5$10kClub Account
0.05%--Special Savings
0.05%--Youth Savings

UNIFY Financial Credit Union Money Market Rates

0.20%*$50k*-Money Market Account
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $50k

UNIFY Financial Credit Union Checking Account Rates

0.05%$2k-Premier Checking

UNIFY Financial Credit Union CD Rates

1.00%$1k-60 Month Share Certificate
0.85%$1k-48 Month Share Certificate
0.75%$1k-36 Month Share Certificate
0.65%$1k-24 Month Share Certificate
0.50%$1k-12 Month Share Certificate
0.25%$1k-6 Month Share Certificate
0.15%$1k-3 Month Share Certificate

UNIFY Financial Credit Union IRA Rates

1.00%$1k-60 Month Fixed IRA
0.85%$1k-48 Month Fixed IRA
0.75%$1k-36 Month Fixed IRA
0.65%$1k-24 Month Fixed IRA
0.50%$1k-12 Month Fixed IRA
0.31%$1k-18 Month Variable IRA
0.22%$1k-36 Month Variable IRA


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