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 9th largest credit union in the state of Texas. It is also the 111th largest credit union in the nation. It was established in 1963 and as of December of 2021, it had grown to 537 employees and 268,088 members at 47 locations. UNIFY Financial Credit Union has an A 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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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 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.

The Absolute Worst Banking Experience Ever

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I highly recommend against this credit union, they have wasted weeks of my time, asked for all kinds of personal information, only for me to be told that they cannot open my account. They blame their lack of competence on another institution. I want my money back and will never do business with these idiots again.

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.



Health Grade Components

NCUA #15732
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD12.05%
Annual Interest Income$119.0MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$3.59B$3.37B
LoansQ4 2021vs Q4 2020$2.81B$2.52B
DepositsQ4 2021vs Q4 2020$3.07B$2.88B
Equity CapitalQ4 2021vs Q4 2020$324.4MM$287.3MM
Loan Loss AllowanceQ4 2021vs Q4 2020$29.7MM$34.8MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$22.2MM$29.3MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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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

0.35%*$100k*-Money Market Account
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $50k | 0.30% $50k - $100k

UNIFY Financial Credit Union Checking Account Rates

0.05%$2k-Premier Checking

UNIFY Financial Credit Union CD Rates

2.00%$500-15 Month Share Certificate Special - New Money
1.10%*$100k*-60 Month Share Certificate
OTHER TIERS: 1.00% $1k - $40k | 1.05% $40k - $100k
1.00%*$100k*-48 Month Share Certificate
OTHER TIERS: 0.90% $1k - $40k | 0.95% $40k - $100k
0.90%*$100k*-36 Month Share Certificate
OTHER TIERS: 0.80% $1k - $40k | 0.85% $40k - $100k
0.80%*$100k*-24 Month Share Certificate
OTHER TIERS: 0.70% $1k - $40k | 0.75% $40k - $100k
0.70%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.60% $1k - $40k | 0.65% $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

2.11%$1k-36 Month Variable IRA
1.50%$1k-18 Month Variable IRA
1.10%*$100k*-60 Month Fixed IRA
OTHER TIERS: 1.00% $1k - $40k | 1.05% $40k - $100k
1.00%*$100k*-48 Month Fixed IRA
OTHER TIERS: 0.90% $1k - $40k | 0.95% $40k - $100k
0.90%*$100k*-36 Month Fixed IRA
OTHER TIERS: 0.80% $1k - $40k | 0.85% $40k - $100k
0.80%*$100k*-24 Month Fixed IRA
OTHER TIERS: 0.70% $1k - $40k | 0.75% $40k - $100k
0.70%*$100k*-12 Month Fixed IRA
OTHER TIERS: 0.60% $1k - $40k | 0.65% $40k - $100k


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