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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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Showing 8 Cards

Date Reviewed: December 10, 2019

UNIFY Variable-Rate Visa® Platinum Credit Card

UNIFY Variable-Rate Visa® Platinum Credit Card
  • Regular Purchase APR 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
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: 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $15 at 5 days past due date
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 10, 2019

UNIFY Variable-Rate Visa® Gold Credit Card

UNIFY Variable-Rate Visa® Gold Credit Card
  • Regular Purchase APR 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No balance transfer or cash advance fees
  • Low Variable APR
  • Optional Debt Protection
Rates & Fees
  • Regular Purchase APR: 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25 at 5 days past due
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 10, 2019

UNIFY Variable-Rate Visa® Classic Credit Card

UNIFY Variable-Rate Visa® Classic Credit Card
  • Regular Purchase APR 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
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: 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 7.99% to 17.24% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: none
  • Late Payment Penalty Fee: Up to $25 at 5 days past due date
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 10, 2019

UNIFY Fixed-Rate Visa® Platinum Credit Card

UNIFY Fixed-Rate Visa® Platinum Credit Card
  • Regular Purchase APR 9.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 9.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 5.49% to 13.99% for 6 months from account opening date
  • Processing Network Visa
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% to 13.99% for 6 months from account opening date
  • Regular Purchase APR: 9.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 5.49% to 13.99% for 12 months from balance transfer date
  • Cash Advance APR: 9.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Foreign Transaction Fee: none
  • Late Payment Penalty Fee: Up to $25 at 5 days past due date
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 10, 2019

UNIFY Fixed-Rate Visa® Gold Credit Card

UNIFY Fixed-Rate Visa® Gold Credit Card
  • Regular Purchase APR 9.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 9.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 5.49% to 13.99% for 6 months from account opening date
  • Processing Network Visa
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: 5.49% to 13.99% for 6 months from account opening date
  • Regular Purchase APR: 9.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 5.49% to 13.99% for 12 months from balance transfer date
  • Cash Advance APR: 9.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25 at 5 days past due date
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 10, 2019

UNIFY Fixed-Rate Visa® Classic Credit Card

UNIFY Fixed-Rate Visa® Classic Credit Card
  • Regular Purchase APR 9.49% to 17.99% variable based on creditworthiness and the Prime Rate.
  • Cash Advance APR 9.49% to 17.99% variable based on creditworthiness and the Prime Rate.
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 5.49% to 13.99% for 6 months from account opening date
  • Processing Network Visa
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: 5.49% to 13.99% for 6 months from account opening date
  • Regular Purchase APR: 9.49% to 17.99% variable based on creditworthiness and the Prime Rate.
  • Intro Balance Transfer APR: 5.49% to 13.99% for 12 months from balance transfer date
  • Cash Advance APR: 9.49% to 17.99% variable based on creditworthiness and the Prime Rate.
  • Late Payment Penalty Fee: Up to $25 at 5 days past due date
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 10, 2019

UNIFY Visa® Share Secured Card

UNIFY Visa® Share Secured Card
  • Regular Purchase APR 11.49%
  • Cash Advance APR 11.49%
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Processing Network Visa
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%
  • Cash Advance APR: 11.49%
  • Late Payment Penalty Fee: Up to $25 at 5 days past due date
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $500
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 10, 2019

UNIFY Engage Rewards Visa® Signature Credit Card

UNIFY Engage Rewards Visa® Signature Credit Card
  • Regular Purchase APR 12.49% to 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.49% to 17.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
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: 12.49% to 17.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 12.49% to 17.24% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25 at 5 days
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

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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:

What is UNIFY’s routing number?

  • UNIFY’s routing number is 322079719.

How can I contact UNIFY customer service?

  • 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.

Does UNIFY use Zelle?

  • UNIFY Financial doe offer Zelle for checking and savings customers.

Does UNIFY have a mobile app?

  • UNIFY Financial Credit Union offers a mobile app through the Apple App Store and the Google Play store.