UNIFY Financial Credit Union

35 Reviews

UNIFY Financial Credit Union is all about YOU. YOU put the “U” in UNIFY. YOU are their member. YOU can be anywhere in the United States, and their goal remains the same – to connect YOU to a better banking experience. YOU are at the heart of their decision-making, so it’s no wonder their... show more

Eligibility

Find out if you are eligible to join UNIFY Financial Credit Union.

UNIFY Financial Credit Union Reviews

2.9

What's Your Rating?

Mark
June 10, 2022 • @gentry1976

Verified Customer

Awesome interest rate and longer term than anyone else would offer. decent mobile banking. I haven’t fully explored all of their offerings.

Product: UNIFY Financial Credit Union Car Loans

Comment

gary nosek
June 9, 2022 • @whuser16045120

Verified Customer

great for rebuilding your credit the min deposit is 500 after 1 year it does graduate to unsecured credit card and you get your deposit back

Product: UNIFY Financial Credit Union Credit Cards

Comment

Kendall H
May 23, 2022 • @kendallr13

I tried to setup a checking and savings account with UNIFY. I filled out the application and they asked for more information to verify my identity. I uploaded and sent the documents via email and out of nowhere my application status was changed to cancelled. They didn't even call or email to tell me why. I called and they said they never received my documents. It seems like they cant handle simple things so I'm glad i wasn't able to get an account to have them in charge of my money.

Product: UNIFY Financial Credit Union Checking

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No Way
April 25, 2022 • @Nowayjose

This is a horrible credit union. They do not care about members. Rude customer service. I do not recommend doing business with them.

Product: UNIFY Financial Credit Union Checking

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karen b
February 17, 2022 • @krcb24

These people suck they do not inform you of anything all they want to do is charge you fee. Their rep are dumb. They close you account do not let you do what you need to do Please do not bank with them

Product: UNIFY Financial Credit Union Checking

Comment

woman_veteran
July 29, 2021 • @woman_veteran

Verified Customer

The customer service is lacking. I applied for the credit builder loan like I do every time I pay it off and now there’s a problem. The loan office haven’t notified me of any documents needed and told me that they would send over my paperwork to sign in 24 hour which came and went. Called them up and told me it’s pending and they need a mortgage statement which I told them that I was renting. So I submitted the documents and so far, I haven’t heard back. I’m changing banks.

Product: UNIFY Financial Credit Union Personal Loans

Comment

Bri Wilson
July 21, 2021 • @Iignoreeveryone

Everyone who works here is poorly trained. You will get different information from EVERYONE you speak to. They lie to get you to sign up for stuff you never needed, there are a ridiculous amount of fees, very few ATM's, and you can't get anything done over the phone, you have to actually visit a branch. So inconvenient. For your own sake, go somewhere else, ANYWHERE else.

Product: UNIFY Financial Credit Union Checking

Comment

Jamee
May 27, 2021 • @jabartram

Verified Customer

Good people so far, easy to work with payments through their website can be confusing to setup from an outside bank, but once done correctly works fine.

Product: UNIFY Financial Credit Union Car Loans

Comment

juan
March 12, 2021 • @lilpsyched

Verified Customer

Never heard of Unify but only positives coming from them. They are easy to deal with and their app is easy and has a lot of options.

Product: UNIFY Financial Credit Union Car Loans

Comment

emsmith0187
March 3, 2021 • @emsmith0187

I've been with Unify for almost 2 years and in Jan 2021 I had a $311.25 charge on my account from suddenlink which shocked me because I do not have services with them so I contacted suddenlink and they're the worst customer service and didn't get anywhere so then I disputed it with Unify who should have put my money back on there and taken it up with suddenlink well first they tell me they have to cancel my card and for me to docusign some documents and I did, a week later they put the money back in my account and I realize they never canceled my card so I figured they worked it out and then a few days later 2 days before my daughter's birthday the 25th of February I go to pay for my daughter's gift on the day I recieved my unemployment and came back insufficient funds I check my account and they had taken the money back out and sent me a letter stating they found no error with the transaction.. which was totally unbelievable I mean apparently anyone can just charge your account and not have any authorization from you.. and unify is ok with that and let's them keep your money .. unify is only all about you when it comes to getting your money so and not about helping you keep your money after that I disputed it again and was told that the dispute was concluded and I would have to take suddenlink to court ... I'm discussed with unify and will be closing my accounts and finding another bank ... And my advice to anyone is don't trust them with your money if you're anything like me and money is hard to come by so every dollar matters to me and my kids life especially through this pandemic and being laid off and struggling to stay above water they will drown you without a second thought ...Warning ⚠️ Steer clear !!! No lifeguard on duty!!! Swim at your own risk!!! Should be across the home page of their website?

Product: UNIFY Financial Credit Union Checking

Comment

Review UNIFY Financial Credit Union

UNIFY Financial Credit Union Offers

Business Services

Car Loans

Checking

Credit Cards

Home Equity

Investments

Mortgages

Personal Loans

Savings

CDs

UNIFY Financial Credit Union Q&A(13 questions)

What credit score is needed for a Unify credit card?

Upvotes

DeAngelo Wilkinson

There's no disclosed information about what credit score is needed for a Unify credit card. But Unify Financial Credit Union offers a wide range of credit cards, suitable for all levels of credit:

Visa Engage Rewards Card
Visa Platinum Credit Card
Visa Gold Credit Card
Visa Classic Credit Card
Visa Share-Secured Card

For some of their cards, you can even choose between a fixed-rate and a variable rate version, depending on your needs.

How do I get a Unify Credit Card credit limit increase?

Upvotes

Raymond Mckenzie

You can get a Unify Credit Card credit limit increase by requesting it online or over the phone, at (877) 254-9328.

I suggest waiting at least 6 months after account opening to request an increase. And for better odds of being granted an increase, pay your bills in full by their due date.

Please be aware that Unify FCU does a hard pull for their credit limit increases. This could potentially damage your credit score for a while.

What kind of checking accounts does UNIFY Financial Credit Union offer?

Upvotes

Alexandra Barring, Banking Moderator

Unify Financial Credit Union offers four types of checking accounts: Free Checking, Right Start Checking, eChecking and Premier Checking. They all offer a free Visa debit card, free eBanking and eStatements, overdraft protection, no monthly or per check fees and no direct deposit requirement.

What's the phone number for auto dealer payoff?

Upvotes

What's your average rate on a 10-year home equity line of credit in Sandy Springs, Georgia?

Upvotes

WalletHub

Unfortunately, this information is not available on UNIFY Financial Federal Credit Union's website, as they offer personalized rates on their home equity line of credits for each applicant based on creditworthiness. For more information on your specific situation, call UNIFY Contact Center at 877-254-9328.

Eligibility

Find out if you are eligible to join UNIFY Financial Credit Union.

UNIFY Financial Credit Union Contact

Visit Website

Toll Free: 877-254-9328

Nearby UNIFY Financial Credit Union locations:

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