Unify Financial Federal Credit Union

Headquarters

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

Notable Rates	APY	Vs.Others
Savings	0.10%	4.66% →
1-Year CD	2.40%	4.59% →
2-Year CD	2.70%	4.25% →
5-Year CD	3.40%	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 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 $3537.85 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	$3,537.85 million
Loans	$2,893.33 million
Deposits	$3,059.27 million
Capital	$275.37 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 - July 5, 2025

Your Current Location: New York, NY 10116

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
E-Savings	0.10%	$5	-	Learn More Reviews
SAV	0.10%	$200	-	Learn More Reviews
Money Market	0.60%	$2,500	$9,999	Learn More Reviews
Money Market	0.65%	$10,000	$49,999	Learn More Reviews
Money Market	0.70%	$50,000	$99,999	Learn More Reviews
Money Market	0.75%	$100,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	3.50%	$1,000	$39,999	Learn More Reviews
6 Month	3.50%	$40,000	$99,999	Learn More Reviews
6 Mo CD	3.50%	$100,000	-	Learn More Reviews
9 Month Special	5.00%	$500	-	Learn More Reviews
12 Mo CD	2.10%	$1,000	$39,999	Learn More Reviews
12 Month	2.25%	$40,000	$99,999	Learn More Reviews
12 Mo CD	2.40%	$100,000	-	Learn More Reviews
24 Mo CD	2.40%	$1,000	$39,999	Learn More Reviews
24 Month	2.55%	$40,000	$99,999	Learn More Reviews
24 Mo CD	2.70%	$100,000	-	Learn More Reviews
36 Mo CD	2.70%	$1,000	$39,999	Learn More Reviews
36 Month	2.85%	$40,000	$99,999	Learn More Reviews
36 Mo CD	3.00%	$100,000	-	Learn More Reviews
48 Mo CD	2.90%	$1,000	$39,999	Learn More Reviews
48 Month	3.05%	$40,000	$99,999	Learn More Reviews
48 Mo CD	3.20%	$100,000	-	Learn More Reviews
60 Mo CD	3.10%	$1,000	$39,999	Learn More Reviews
60 Month	3.25%	$40,000	$99,999	Learn More Reviews
60 Mo CD	3.40%	$100,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
INTCK	0.05%	$2,000	-	Learn MoreShow Less

Loan Rates - July 5, 2025

Your Current Location: New York, NY 10116

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 - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 292473	6.357%	6.250%	0.50	$3,633	$1,971	Learn More
NMLS ID: 401822	6.632%	6.500%	0.75	$4,395	$2,023	Learn More
NMLS ID: 401822						Learn More
NMLS ID: 3030						Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

See More Home Equity Rates →

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:
New York City,New York

Unify Financial Locations around zip code 10116

Branch	Distance	Map	View Lobby Hours
Reston	214.59	A	View Lobby Hours
Fairfax	219.81	B	View Lobby Hours
Chantilly, VA	221.36	C	View Lobby Hours
San Francisco	431.47	D	View Lobby Hours
York Township	527.75	E	View Lobby Hours
Erlanger	573.66	F	View Lobby Hours
Georgetown	585.43	G	View Lobby Hours
Collegedale	704.35	H	View Lobby Hours
Princeton	736.99	I	View Lobby Hours
Lakewood Branch	861.75	J	View Lobby Hours
Rogers	1107.50	K	View Lobby Hours
Bentonville	1112.59	L	View Lobby Hours
Fayetteville	1112.94	M	View Lobby Hours
Springdale	1113.31	N	View Lobby Hours
San Antonio	1521.96	O	View Lobby Hours
Aurora	1632.75	P	View Lobby Hours
Salt Lake City	2012.94	Q	View Lobby Hours
Temecula	2341.05	R	View Lobby Hours
Rancho Carmel	2344.31	S	View Lobby Hours
Irvine	2371.47	T	View Lobby Hours
Santa Ana	2375.58	U	View Lobby Hours
Huntington Beach	2380.65	V	View Lobby Hours
Carson	2391.59	W	View Lobby Hours
TAC	2395.40	X	View Lobby Hours
Torrance	2395.63	Y	View Lobby Hours
See's	2396.39	Z	View Lobby Hours

View Branches Nationwide →

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
13.03%	7.07

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, 2024, Unify Financial had $26,120,612 in non-current loans and $13,518,212 in owned assets. To cover these potential losses it had $275,374,649 in net worth and $28,769,711 in loans loss reserves. That gives it a Texas Ratio of 13.03%.

Net Worth

Unify Financial	U.S. Average
7.77%	14.25%

Unify Financial FCU has a net worth of 7.77% versus the BestCashCow average of 14.25. 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

Is this review helpful? Yes:1 / No: 1