OneUnited Bank Credit Cards

OneUnited Bank is the largest black-owned bank in the United States. The bank aims to empower its members to boost their financial education through community programs and financial products, including their Unity Visa Secured Card. Browse credit cards offers below.

Advertiser Disclosure

loading-animation

Showing 1 Card

Sort By Column Name:

Unity Visa Secured Credit Card

Unity Visa Secured Credit Card
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Visa Processing Network
$39 Annual Fee

Unity Visa Secured Credit Card

  • 17.99% fixed rate through the expiration date of the card. Regular Purchase APR
  • 17.99% fixed rate through the expiration date of the card. Balance Transfer APR
  • 17.99% fixed rate through the expiration date of the card. Cash Advance APR

At a Glance

The Unity Visa Secured Card by OneUnited Bank is a secured credit card that is looking to make a difference. Issued by OneUnited, the largest black-owned bank in the United States, the card seeks to help holders “make a comeback” with sound financial use (and without the need for debit cards or prepaid cards). The card features a fixed-rate APR on purchases, balance transfers, and cash advances, plus a special introductory rate on balance transfers for the first six months – all for a $39 annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Get a second chance at credit
  • Support the natio’s largest back-owned bank
  • 9.95% intro APR on balance transfers for the first 6 months
  • Regular Purchase APR: 17.99% fixed rate through the expiration date of the card.
  • Intro Balance Transfer APR: 9.95% for 6 months from account opening date
  • Balance Transfer APR: 17.99% fixed rate through the expiration date of the card.
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 17.99% fixed rate through the expiration date of the card.
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Annual Fee: $39
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $37
  • Minimum Deposit Required: $250
  • You’re looking to rebuild your credit with the major credit bureaus
  • You want to empower your community by contributing to OneUnited’s education projects
  • You plan to pay your entire statement balance each month

What Is OneUnited Bank?

OneUnited Bank is a community-oriented bank that prides itself on being the largest black-owned bank in the country. The bank began as Unity Bank & Trust in Boston, Massachusetts. Since then, the combining of other prominent black-owned banks across the country has resulted in the OneUnited Bank brand in its current form. These partner banks include Founders National Bank of Commerce in Los Angeles, Family Savings Bank in Los Angeles, CA, Peoples National Bank of Commerce in Miami, FL, and Boston Bank of Commerce.

As the largest black-owned bank in America, OneUnited’s #BankBlack social media campaign is at the heart of their message, seeking to demonstrate the economic buying power of minority groups.

Of course, the #BankBlack campaign doesn’t mean that OneUnited Bank is only open to African Americans. The bank is an all-inclusive collective seeking to help build up underprovided or underrepresented communities across the country, regardless of race or creed.

What Makes OneUnited Bank Different?

OneUnited Bank prides itself on working tirelessly to strengthen the financial knowledge base of impoverished and disadvantaged communities. The bank is the largest black-owned bank in the United States and is the combination of four separate banks from Miami, Boston, and Los Angeles.

The bank is very active with its Community Development Financial Institution (CDFI) Program, which provides educational services to “underbanked”  and lower-income communities across the country. These programs seek to boost financial literacy through a combination of local events and workshops.

BankUnited Locations

Find the Best Card for You

The team at BestCards.com knows how hard it is to find your perfect credit card. This is especially true if you don’t have the right tools and knowledge. That’s why we offer insightful credit card reviews, as well as informative articles to guide you every step of the way. Browse our 1,000 reviews and find your best card today.

Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.