Our Financial Products

As a member-owned credit union, every product is designed to put more money back in your pocket.

Checking

Unity Free Checking

Most Popular

No monthly fees, no minimum balance. Includes free debit card with cashback and access to 60,000+ ATMs nationwide.

No Fees
  • No monthly maintenance fee
  • No minimum balance
  • Free debit card with rewards
  • 60,000+ surcharge-free ATMs
  • Mobile check deposit
  • Free online bill pay
Apply Now

Unity Premium Checking

Premium

Interest-bearing checking with premium perks. Earn dividends on your balance while enjoying enhanced benefits.

0.25% APY
  • Earns 0.25% APY on all balances
  • Free cashier's checks
  • Identity theft protection
  • Rental car insurance
  • Travel accident insurance
  • No foreign transaction fees
Apply Now

Savings

High-Yield Savings

Best Rate

Maximize your earnings with our top-tier savings rate. No lock-in, full NCUA insurance.

4.25% APY
  • Up to 4.25% APY
  • No lock-in period
  • NCUA insured to $250K
  • Unlimited deposits
  • 6 free withdrawals/month
  • Auto-save from checking
Apply Now

Share Certificates (CDs)

Guaranteed

Lock in guaranteed returns. Choose terms from 6 months to 5 years. Higher rates for longer commitments.

Up to 4.75%
  • Rates up to 4.75% APY
  • 6-month to 5-year terms
  • Guaranteed returns
  • $500 minimum deposit
  • Auto-renewal option
  • Early withdrawal with small penalty
Apply Now

Loans

Auto Loans

Quick Approval

New and used vehicle financing with competitive rates and flexible terms. Pre-approval in minutes.

From 4.49%
  • Rates from 4.49% APR
  • 36 to 84 month terms
  • New and used vehicles
  • Pre-approval available
  • No prepayment penalty
  • Refinance & save
Apply Now

Home Mortgages

Local Lender

Fixed and adjustable rate mortgages with local decision-making. First-time homebuyer programs available.

From 5.99%
  • Fixed rates from 5.99%
  • ARM options available
  • First-time buyer programs
  • FHA/VA/Conventional
  • Local underwriting
  • Free pre-qualification
Apply Now

Personal Loans

Flexible

Unsecured personal loans for debt consolidation, home improvement, or unexpected expenses.

From 7.99%
  • Rates from 7.99% APR
  • Borrow up to $50,000
  • 12 to 60 month terms
  • No collateral required
  • Fixed monthly payments
  • Fast funding
Apply Now

Who Can Join?

Unity Credit Union membership is open to anyone who lives, works, worships, or attends school in our service area. Family members of existing members also qualify.

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Live in Area
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Work in Area
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Family Member
Check Eligibility & Apply