Unify Financial Federal Credit Union
1899 Western Way
Torrance, CA 90501
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Phone 1-310-381-2300
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
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 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
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 |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
6.106% | 5.990% | 0.75 | $3,125 | $1,498 | Learn More |
NMLS ID: 330511 |
5.575% | 5.500% | 0.88 | $2,078 | $1,420 | Learn More |
NMLS ID: 503941 |
5.853% | 5.750% | 0.63 | $2,880 | $1,459 | Learn More |
|
NMLS ID: 503941 |
5.853% | 5.750% | 0.63 | $2,880 | $1,459 | Learn More |
Note to 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:
Fairfield,Connecticut
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
dapatton@pacbell.net
May 12, 2016
19 what, years or months
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