UNIFY Financial Credit Union Credit Cards

UNIFY Financial Credit Union was founded as an airline credit union based in California. Presently, it is one of the top credit unions in the United States, with physical branches across the country. It is dedicated to you, the consumer, and strives to make banking stress free no matter where you are.  Browse credit cards today.

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UNIFY Variable-Rate Visa® Platinum Credit Card

Enjoy No Annual Fees and Low Variable Interest Rates

UNIFY Variable-Rate Visa® Platinum Credit Card
  • Regular Purchase APR 11.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Good , Fair
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 17, 2022
Best Benefits
  • No annual fee
  • Low Variable APR
  • No fees on cash advances and balance transfers
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 11.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
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Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
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$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
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20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
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$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
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Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
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Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

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UNIFY Variable-Rate Visa® Gold Credit Card

Enjoy No Annual Fee and Low Variable Interest Rates

UNIFY Variable-Rate Visa® Gold Credit Card
  • Regular Purchase APR 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Good , Fair
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 17, 2022
Best Benefits
  • No annual fee
  • No balance transfer or cash advance fees
  • Low Variable APR
  • Optional Debt Protection
Rates & Fees
  • Regular Purchase APR: 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
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Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

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UNIFY Variable-Rate Visa® Classic Credit Card

Enjoy No Annual Fee and a Low Variable APR

UNIFY Variable-Rate Visa® Classic Credit Card
  • Regular Purchase APR 11.74% 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.74% 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.74% 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Good , Fair
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 17, 2022
Best Benefits
  • No annual fee
  • No fees on balance transfers and cash advances
  • No foreign transaction fees
  • Low variable rates
Rates & Fees
  • Regular Purchase APR: 11.74% 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.74% 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.74% 17.99% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

UNIFY Fixed-Rate Visa® Platinum Credit Card

No Annual Fee and a Low Introductory APR

UNIFY Fixed-Rate Visa® Platinum Credit Card
  • Regular Purchase APR 9.49% 17.74 variable based on creditworthiness
  • Balance Transfer APR 9.49% 17.74% variable based on creditworthiness
  • Cash Advance APR 9.49% 17.74% variable based on creditworthiness
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Good , Fair
  • Intro Purchase APR 5.49% 13.74% for 6 months from account opening date
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 17, 2022
Best Benefits
  • No annual fee
  • Low Introductory APR for purchases and balance transfers
  • No fees on balance transfers and cash advances
  • No foreign transaction fees
Rates & Fees
  • Intro Purchase APR: 5.49% 13.74% for 6 months from account opening date
  • Regular Purchase APR: 9.49% 17.74 variable based on creditworthiness
  • Intro Balance Transfer APR: 5.49% to 13.74% for 12 months from account opening date
  • Balance Transfer APR: 9.49% 17.74% variable based on creditworthiness
  • Cash Advance APR: 9.49% 17.74% variable based on creditworthiness
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

UNIFY Fixed-Rate Visa® Gold Credit Card

No Annual Fee and Low Introductory APR

UNIFY Fixed-Rate Visa® Gold Credit Card
  • Regular Purchase APR 10.24% to 17.99% variable based on creditworthiness
  • Balance Transfer APR 10.24% to 17.99% variable based on creditworthiness
  • Cash Advance APR 10.24% to 17.99% variable based on creditworthiness
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Good , Fair
  • Intro Purchase APR 6.24% to 13.99% for 6 months from account opening date
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 17, 2022
Best Benefits
  • No annual fee
  • No fees for balance transfers and cash advances
  • Optional debt protection feature
  • Take advantage of Visa® travel benefits
Rates & Fees
  • Intro Purchase APR: 6.24% to 13.99% for 6 months from account opening date
  • Regular Purchase APR: 10.24% to 17.99% variable based on creditworthiness
  • Intro Balance Transfer APR: 6.24% 13.99% for 12 months from balance transfer date
  • Balance Transfer APR: 10.24% to 17.99% variable based on creditworthiness
  • Cash Advance APR: 10.24% to 17.99% variable based on creditworthiness
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

UNIFY Fixed-Rate Visa® Classic Credit Card

No Annual Fee and Low Introductory APR

UNIFY Fixed-Rate Visa® Classic Credit Card
  • Regular Purchase APR 11.24% to 17.99% variable based on creditworthiness
  • Balance Transfer APR 11.24% to 17.99% variable based on creditworthiness
  • Cash Advance APR 11.24% to 17.99% variable based on creditworthiness
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Good , Fair
  • Intro Purchase APR 7.24% to 13.99% for 6 months from account opening date
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 17, 2022
Best Benefits
  • No annual fee
  • Low Introductory APR on purchases and balance transfers
  • No fees on balance transfers and cash advances
  • No foreign transaction fee
Rates & Fees
  • Intro Purchase APR: 7.24% to 13.99% for 6 months from account opening date
  • Regular Purchase APR: 11.24% to 17.99% variable based on creditworthiness
  • Intro Balance Transfer APR: 7.24% 13.99% variable based on creditworthiness
  • Balance Transfer APR: 11.24% to 17.99% variable based on creditworthiness
  • Cash Advance APR: 11.24% to 17.99% variable based on creditworthiness
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

UNIFY Engage Rewards Visa® Signature Credit Card

Get 5,000 Bonus Points

UNIFY Engage Rewards Visa® Signature Credit Card
  • Regular Purchase APR 13.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Good , Fair
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 17, 2022
Best Benefits
  • No annual fee
  • Get 5,000 bonus points after spending $2,000 within the first 90 days of opening an account
  • Earn 1 point for every dollar you spend, no matter the purchase
  • Redeem your points for travel, cash back, gift cards, and more
Rates & Fees
  • Regular Purchase APR: 13.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 13.24% to 17.99% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

UNIFY Visa® Share Secured Card

Enjoy No Annual Fee and Optional Debt Protection

UNIFY Visa® Share Secured Card
  • Regular Purchase APR 11.49%
  • Balance Transfer APR 11.49
  • Cash Advance APR 11.49%
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Fair , Poor , No Credit Required
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 17, 2022
Best Benefits
  • No annual fee
  • Optional debt protection feature
  • Auto rental collision damage waiver through Visa®
  • No fees for balance transfers and cash advances
Rates & Fees
  • Regular Purchase APR: 11.49%
  • Balance Transfer APR: 11.49
  • Cash Advance APR: 11.49%
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $500
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

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Please Note: The details of the offer(s) shown above should not be taken as a guarantee that you will receive the discount/rewards/offer mentioned above. Any information about combined offers and/or rewards should be taken as an estimate only. You may be responsible for completing certain steps at the merchant's checkout page. Please read the merchant's full terms and conditions for details.

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About UNIFY Financial Credit Union

UNIFY Financial Credit Union is a leading credit union that offers credit cards, checking and savings accounts, and other banking products and services for consumers and businesses. The credit union was founded in 1948 and quickly rose in prominence.

Today, UNIFY welcomes members from across the United States.  It currently boasts over 360,000 members and over $3 billion in total assets, making it one of the largest credit unions in the country.

Membership Eligibility

Wondering who can join UNIFY Financial Credit Union? Anyone can join the credit union as long as they are a U.S. citizen. All you need to join is:

  • Social Security Number or tax ID number
  • Current, government-issued (state or federal) ID
  • A valid credit card., debit card, or bank routing number and account number to fund a new UNIFY account.

Branch Locations

UNIFY currently operates approximately 60 branches in 19 U.S. states. Those states are:

  • Arkansas
  • Alabama
  • Arizona
  • California
  • Colorado
  • Florida
  • Georgia
  • Indiana
  • Kentucky
  • Michigan
  • Mississippi
  • New Jersey
  • Nevada
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • West Virginia

For a complete list of UNIFY Financial Credit Union locations, as well as fee-free ATMs through the CO-OP ATM Network, the Allpoint network, the CUHere network, or the Alliance One ATM Network, please visit the credit union’s locations page.

FAQs About UNIFY

Here are answers to commonly asked questions about UNIFY Financial Credit Union:

  • UNIFY’s routing number is 322079719.
  • The phone numbers for UNIFY customer service representatives are 877-254-9328 (toll-free), or locally at 310-380-2300 or 479-636-3448. Customer service representatives are available 24/7.
  • UNIFY Financial doe offer Zelle for checking and savings customers.
  • UNIFY Financial Credit Union offers a mobile app through the Apple App Store and the Google Play store.

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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.

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