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UNIFY Variable-Rate Visa® Platinum Credit Card
UNIFY Variable-Rate Visa® Platinum Credit Card
- 12.74% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.74% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.74% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The UNIFY Variable-Rate Visa® Platinum Credit Card offers cardholders a high maximum credit limit on top of various other benefits that take the headaches out of using your credit card. Cardholders never have to pay annual fees for using their Platinum cards, and there are no fees for cash advances, balance transfers, and foreign transactions. Additionally, UNIFY credit union offers cardholders a low variable APR, which can prevent you from racking up too much interest on those large purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Low Variable APR
- No fees on cash advances and balance transfers
- No foreign transaction fees
- Regular Purchase APR: 12.74% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.74% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.74% 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
- You want a credit card with a high credit limit
- You don’t want to pay annual fees for using their credit card
- You don’t want to pay fees on balance transfers, foreign transactions, and cash advances
- You prefer a lower interest rate that fluctuates rather than a higher interest rate that stays the same
UNIFY Variable-Rate Visa® Gold Credit Card
UNIFY Variable-Rate Visa® Gold Credit Card
- 12.99% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.99% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.99% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The UNIFY Variable-Rate Visa® Gold Credit Card offers cardholders a variety of attractive benefits that save cardholders money. From the card’s low interest rates to its lack of annual fees and cash advance fees, UNIFY’s Gold Card can be one of the best tools in your wallet. Cardholders also benefit from Visa® cardmember services, like emergency travel assistance. Continue reading for more information on the features of this credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer or cash advance fees
- Low Variable APR
- Optional Debt Protection
- Regular Purchase APR: 12.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.99% 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
- You prefer a lower interest rate that changes rather than a higher fixed rate
- You don’t want to pay an annual fee
- You don’t want to pay fees on cash advances, balance transfers, and foreign transactions
- You need a moderately high credit limit
UNIFY Variable-Rate Visa® Classic Credit Card
UNIFY Variable-Rate Visa® Classic Credit Card
- 13.24% 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.24% 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.24% 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The UNIFY Variable-Rate Visa Classic Credit Card is a great basic credit card for people who may be new too credit but do not want or need a secured card. UNIFY Financial Credit Union offers very competitive variable rates on its credit cards. Additionally, cardholders benefit from no annual fees and no fees on cash advances and balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No fees on balance transfers and cash advances
- No foreign transaction fees
- Low variable rates
- Regular Purchase APR: 13.24% 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.24% 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.24% 17.99% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You want a basic credit card with a lower credit limit
- You prefer a lower interest rate that varies rather than a higher rate that stays the same
- You don’t want to pay annual fees
- You don’t want to pay fees for cash advances and foreign transactions
UNIFY Fixed-Rate Visa® Platinum Credit Card
UNIFY Fixed-Rate Visa® Platinum Credit Card
- 9.49% 17.74 variable based on creditworthiness 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
- 5.49% 13.74% for 6 months from account opening date Intro Purchase APR
At a Glance
The UNIFY Fixed-Rate Visa® Platinum card is UNIFY Financial Credit Union’s most elite fixed-rate card, after its rewards card. It offers a high maximum credit limit and no annual fees. Cardholders also enjoy no fees on cash advances and foreign transactions. Furthermore, cardholders can take advantage of introductory interest rates on purchases and cash advances.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Low Introductory APR for purchases and balance transfers
- No fees on balance transfers and cash advances
- No foreign transaction 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
- You want a card with no annual fee
- You need a high credit limit
- You want to take advantage of low introductory APRs for purchases and balance transfers
- You don’t want to pay fees for foreign transactions or cash advances
UNIFY Fixed-Rate Visa® Gold Credit Card
UNIFY Fixed-Rate Visa® Gold Credit Card
- 10.24% to 17.99% variable based on creditworthiness 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
- 6.24% to 13.99% for 6 months from account opening date Intro Purchase APR
At a Glance
The UNIFY fixed-Rate Visa® Gold credit provides cardholders with some excellent benefits, including no annual fees and no fees for balance transfers, foreign transactions, and cash advances. This UNIFY credit card also offers a low introductory APR on purchases and balance transfers. Cardholders can also benefit from other perks, including Visa® travel and car rental benefits.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No fees for balance transfers and cash advances
- Optional debt protection feature
- Take advantage of Visa® travel benefits
- 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
- You don't want to pay an annual fee
- You don’t want to pay foreign transaction fees or fees for balance transfers and cash advances
- You want a low introductory APR for balance transfers and purchases
- You need a higher credit limit than the UNIFY Classic Visa® card
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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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