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 PopularNo monthly fees, no minimum balance. Includes free debit card with cashback and access to 60,000+ ATMs nationwide.
- No monthly maintenance fee
- No minimum balance
- Free debit card with rewards
- 60,000+ surcharge-free ATMs
- Mobile check deposit
- Free online bill pay
Unity Premium Checking
PremiumInterest-bearing checking with premium perks. Earn dividends on your balance while enjoying enhanced benefits.
- Earns 0.25% APY on all balances
- Free cashier's checks
- Identity theft protection
- Rental car insurance
- Travel accident insurance
- No foreign transaction fees
Savings
High-Yield Savings
Best RateMaximize your earnings with our top-tier savings rate. No lock-in, full NCUA insurance.
- Up to 4.25% APY
- No lock-in period
- NCUA insured to $250K
- Unlimited deposits
- 6 free withdrawals/month
- Auto-save from checking
Share Certificates (CDs)
GuaranteedLock in guaranteed returns. Choose terms from 6 months to 5 years. Higher rates for longer commitments.
- 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
Loans
Auto Loans
Quick ApprovalNew and used vehicle financing with competitive rates and flexible terms. Pre-approval in minutes.
- Rates from 4.49% APR
- 36 to 84 month terms
- New and used vehicles
- Pre-approval available
- No prepayment penalty
- Refinance & save
Home Mortgages
Local LenderFixed and adjustable rate mortgages with local decision-making. First-time homebuyer programs available.
- Fixed rates from 5.99%
- ARM options available
- First-time buyer programs
- FHA/VA/Conventional
- Local underwriting
- Free pre-qualification
Personal Loans
FlexibleUnsecured personal loans for debt consolidation, home improvement, or unexpected expenses.
- Rates from 7.99% APR
- Borrow up to $50,000
- 12 to 60 month terms
- No collateral required
- Fixed monthly payments
- Fast funding
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.