Unify Financial Federal Credit Union
740 N Watters Rd, Suite 170
Allen, TX 75013
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Phone 1-310-381-2300
2022 Overview
General Credit Union Information
Unify Financial is an NCUA insured institution located in Allen, TX. It was founded in 1963 and has approximately $4240.45 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 | $4,240.45 million |
| Loans | $3,477.00 million |
| Deposits | $3,218.19 million |
| Capital | $360.16 million |
Field of Membership Restrictions
Deposit Rates - November 30, 2022
Your Current Location: Virginia, VA 20146
| 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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|
| Compare with 4.51% APY 60 Month Online CD from M.Y. Safra Bank | Advertiser Disclosure | ||||
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Compare with 4.51% APY 60 Month Online CD from M.Y. Safra Bank | Advertiser Disclosure | ||||
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 30, 2022
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 2022
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1907 |
6.541% | 6.375% | 0.75 | $4,375 | $1,560 | Learn More |
NMLS ID: 3030 |
7.779% | 7.625% | 1.00 | $3,750 | $1,770 | Learn More |
NMLS ID: 2890 License#: MC-3098 |
6.125% | 6.000% | 1.00 | $3,368 | $1,499 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2022
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR 6.490 % After Intro: 7.500 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Third Federal Savings and Loan See Table |
6.240 %
|
$0 |
Learn More
More Info |
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:
Ashburn,Virginia
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 |
|---|---|
| 5.59% | 4.24 |
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 June 30, 2022, Unify Financial had $21,422,702 in non-current loans and $320,960 in owned assets. To cover these potential losses it had $360,157,114 in net worth and $28,769,711 in loans loss reserves. That gives it a Texas Ratio of 5.59%.
Net Worth
| Unify Financial | U.S. Average |
|---|---|
| 8.49% | 12.40% |
Unify Financial FCU has a net worth of 8.49% versus the BestCashCow average of 12.40. 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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