Unify Financial Federal Credit Union


Po Box 10018
Manhattan Beach, CA 90267
See all branch locations →

Phone 1-310-381-2300

Notable Rates APY Vs.Others
Savings 0.10% 5.55% →
1-Year CD 2.40% 5.60% →
2-Year CD 2.70% 4.90% →
5-Year CD 3.40% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Unify Financial is an NCUA insured institution located in Manhattan Beach, CA. It was founded in 1963 and has approximately $3810.68 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 $3,810.68 million
Loans $3,296.54 million
Deposits $3,229.42 million
Capital $271.44 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 - April 24, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $5 - Learn More
0.10% $200 - Learn More
Money Market
0.60% $2,500 $9,999 Learn More
Money Market
0.65% $10,000 $49,999 Learn More
Money Market
0.70% $50,000 $99,999 Learn More
Money Market
0.75% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
3.50% $1,000 $39,999 Learn More
6 Month
3.50% $40,000 $99,999 Learn More
6 Mo CD
3.50% $100,000 - Learn More
9 Month Special
5.00% $500 - Learn More
12 Mo CD
2.10% $1,000 $39,999 Learn More
12 Month
2.25% $40,000 $99,999 Learn More
12 Mo CD
2.40% $100,000 - Learn More
24 Mo CD
2.40% $1,000 $39,999 Learn More
24 Month
2.55% $40,000 $99,999 Learn More
24 Mo CD
2.70% $100,000 - Learn More
36 Mo CD
2.70% $1,000 $39,999 Learn More
36 Month
2.85% $40,000 $99,999 Learn More
36 Mo CD
3.00% $100,000 - Learn More
48 Mo CD
2.90% $1,000 $39,999 Learn More
48 Month
3.05% $40,000 $99,999 Learn More
48 Mo CD
3.20% $100,000 - Learn More
60 Mo CD
3.10% $1,000 $39,999 Learn More
60 Month
3.25% $40,000 $99,999 Learn More
60 Mo CD
3.40% $100,000 - Learn More
Int Checking Rates APY MIN MAX
0.05% $2,000 - Learn MoreShow Less

Loan Rates - April 24, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
7.463% 7.375% 0.88 $2,800 $2,211 Learn More
NMLS ID: Not a Lender
Learn More
Neighbors Bank
NMLS ID: 491986
Learn More
Veterans United Home Loans
NMLS ID: 1907
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Unify Financial
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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:

Unify Financial Locations

Climate Policy and 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.

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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
22.15% 6.97

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, 2023, Unify Financial had $61,085,939 in non-current loans and $5,413,773 in owned assets. To cover these potential losses it had $271,440,973 in net worth and $28,769,711 in loans loss reserves. That gives it a Texas Ratio of 22.15%.

Net Worth
Unify Financial U.S. Average
7.1% 13.62%

Unify Financial FCU has a net worth of 7.1% versus the BestCashCow average of 13.62. 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

    19 what, years or months

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