Unify Financial

1899 Western Way
Torrance, CA 90501

Overview
Membership
Savings Rates
Loan Rates
Branches
Financial Details
Articles
Reviews

Overview

General Credit Union Information


NCUA Insured	Yes
Charter Number #	# 15732
Date Established	1963
Assets	$2,272.83 million
Loans	$1,573.14 million
Deposits	$2,003.16 million
Capital	$197.39 million

Unify Financial is an NCUA insured institution located in Torrance, CA. It was founded in 1963 and has approximately $2272.83 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.

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).

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates	APY	MIN	MAX
3 Mo CD 10K	0.26%	$1,000	$39,999	Learn MoreShow Less
3 Mo CD 100K	0.36%	$100,000	-	Learn MoreShow Less
6 Mo CD 10K	0.46%	$1,000	$39,999	Learn MoreShow Less
6 Mo CD 100K	0.56%	$100,000	-	Learn MoreShow Less
12 Mo CD 10K	0.85%	$1,000	$39,999	Learn MoreShow Less
Compare with 1.50% APY 12 Month CD from Synchrony Bank
12 Mo CD 100K	0.95%	$100,000	-	Learn MoreShow Less
Compare with 1.50% APY 12 Month CD from Synchrony Bank
24 Mo CD 10K	1.11%	$1,000	$39,999	Learn MoreShow Less
Compare with 1.75% APY 2 Year CD from Synchrony Bank
24 Mo CD 100K	1.21%	$100,000	-	Learn MoreShow Less
Compare with 1.75% APY 2 Year CD from Synchrony Bank
36 Mo CD 10K	1.26%	$1,000	$39,999	Learn MoreShow Less
Compare with 1.85% APY 3 Year CD from Synchrony Bank
36 Mo CD 100K	1.36%	$100,000	-	Learn MoreShow Less
Compare with 1.85% APY 3 Year CD from Synchrony Bank
48 Mo CD 10K	1.55%	$1,000	$39,999	Learn MoreShow Less
Compare with 2.00% APY 4 Year CD from Synchrony Bank
48 Mo CD 100K	1.65%	$100,000	-	Learn MoreShow Less
Compare with 2.00% APY 4 Year CD from Synchrony Bank
60 Mo CD 10K	2.00%	$1,000	$39,999	Learn MoreShow Less
Compare with 2.35% APY 60 Month CD from Synchrony Bank
60 Mo CD 100K	2.00%	$100,000	-	Learn MoreShow Less
Compare with 2.35% APY 60 Month CD from Synchrony Bank

Savings Rates	APY	MIN	MAX
Savings 2.5K	0.10%	$5	-	Learn MoreShow Less
Compare with 1.30% APY High Yield Savings from Synchrony Bank

Fixed IRA Rates	APY	MIN	MAX
Fixed IRA 0K	0.85%	$1,000	$39,999	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA 0K	1.38%	$1,000	$39,999	Learn MoreShow Less

MM Rates	APY	MIN	MAX
MM 2.5K	0.15%	$2,500	$9,999	Learn MoreShow Less
MM 10K	0.20%	$10,000	$49,999	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg 0K	0.10%	$1,000	-	Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

There are currently no rates available for UNIFY FINANCIAL

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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:
Ashburn,Virginia

Unify Financial Locations

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
6.72%	7.80%

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. As of December 31, 2016, Unify Financial had $12,927,866 in non-current loans and $1,069,882 in owned assets. To cover these potential losses it had $197,394,653 in net worth and $11,032,273 in loans loss reserves. That gives it a Texas Ratio of 6.72%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth

Unify Financial	U.S. Average
9.4%	13.06%

Unify Financial FCU has a net worth of 9.4% versus the BestCashCow average of 13.06%. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.