Unify Financial Federal Credit Union

Headquarters

1899 Western Way
Torrance, CA 90501
See all branch locations →

Phone 1-310-381-2300

Notable Rates APY Vs.Others
Savings 0.05% 1.65% →
1-Year CD 0.50% 2.02% →
2-Year CD 0.65% 3.00% →
5-Year CD 1.00% 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Unify Financial is an NCUA insured institution located in Torrance, CA. It was founded in 1963 and has approximately $3590.12 millions in assets.

Who can join?

If you work for one of these companies, you are automatically eligible through your employer.
See if your company is eligible, http://www.western.org/membership/companies.aspx

Immediate family members of existing Western members are automatically eligible for membership. This includes: spouses, children, siblings, parents, grandchildren, grandparents, stepchildren, stepparents, adoptive relationships and persons living in the same residence maintaining a single economic unit.

If you live, work, worship or go to school in a neighborhood within our field of membership, you are automatically eligible for Western membership.
See if your location is within field of membership, http://www.western.org/membership/zip_search.aspx

If you are already a member of the Surfrider Foundation or Friends of Hobbs, you are automatically eligible to join Western. If you would like to join the Surfrider Foundation or Friends of Hobbs, please visit their website to apply and then return to western.org to complete a Membership Invitation.

NCUA Insured Yes / Federally Chartered
Charter Number # # 15732
Date Established 1963
Assets $3,590.12 million
Loans $2,809.77 million
Deposits $3,065.08 million
Capital $326.47 million
 

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).

Deposit Rates - June 26, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 26, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for UNIFY FINANCIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
CIT Bank, A Division of First Citizens Bank
NMLS ID: 503941
5.853% 5.750% 0.63 $2,880 $1,459 Learn More

Note to UNIFY FINANCIAL
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Unify Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Unify Financial Locations



Climate Initiatives

UNIFY FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Unify Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Unify Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Unify Financial U.S. Average
7.37% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Unify Financial had $25,853,960 in non-current loans and $379,336 in owned assets. To cover these potential losses it had $326,469,669 in net worth and $29,669,711 in loans loss reserves. That gives it a Texas Ratio of 7.37%.

Net Worth
Unify Financial U.S. Average
9.09% 12.36%

Unify Financial FCU has a net worth of 9.09% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for UNIFY FINANCIAL


  • May 12, 2016

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