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UNIFY Financial Credit Union

Popular Accounts at this Credit Union

2.00%5-year CD60 Month Share Certificate
0.95%1-year CD12 Month Share Certificate

Overview / Commentary
1899 Western Way
Torrance, CA 90501

UNIFY Financial Credit Union is headquartered in Torrance and is the 16th largest credit union in the state of California. It is also the 78th largest credit union in the nation. It was established in 1963 and as of June of 2017, it had grown to 630 employees and 226,469 members at 55 locations. UNIFY Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in UNIFY Financial Credit Union is open to anyone with membership in the Friends of Hobbs ($25 membership fee) or the Surfrider Foundation ($25 to join).
See current membership details

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Reviews (8)

Western Federal Credit Union

Posted by: Daniel3 | Oct 17, 2014

While I have not interacted directly with the employees of WFCU, what little I did experience was pleasant. Opening an account was brisk and was able to be used virtually immediately. The primary reasons I enjoy having WFCU as my "bank" of choice is lack of fees for checking accounts and use of certain ATMs that let me deposit and withdraw funds, mostly without incurring a fee. The latter point is essential as there aren't many WFCU branches around the area but there is an ATM I can visit within five minutes by car and incur no fees. On top of that, my money is available for use immediately. I am also eligible to refer friends and family to WFCU to open an account with them and earn a small bonus for myself and the person I've referred.

Excellent Service & Promo Rate Experience @ Western FCU

Posted by: mismot | Jun 9, 2010

CA Auto Loan Promo: I just completed a new car loan with Western Federal Credit Union in Hawthorn, CA - 2.99% for 60 months. It's available to qualified members in CA that have a credit score of 740 or higher. No down payment required, fixed rate for term of the loan, no prepay penalty fees and calculated on simple interest. Check their site for futher details. Topping that off the customer service was Excellent!!! I worked with Santos who returned calls promptly, confirmed receipt of faxes, did everything he said he was going to do, and went beyound to expedite the process due to a surprise deadline that was a result of car dealership monkey business. I searched the web high and low but could not find a better rate for the 60 month term.

Mortgage Discount Promo: My mom's boyfriend is refinancing his home loan with Western as the have a promo for NO Closing Costs & NO Processing Fee. The 30 year fixed rate looks really good. Check site for futher details. He is working with Aaron, the branch manager, who is also very personable, informative and has the members best interest as top priority.

Too Much Smoking You-Know-What?

Posted by: planxy | May 26, 2013

Promotion for opening account was paid. Then, computer access to my account codes got me somebody else's account, twice. Long, long call needed to fix. Automatically enrolled me in anti-American lobbying group against any form of capitalism, not my desired activity as credit unions should not have a political nature. Credit card application accepted and then had to verify out the for small line, then would have had to had to physically sign application again in branch 3 hours drive each way through kamikaze traffic if wanted bonus of bout $50. Enough is enoungh, departed its world of smoking haze.

Inexcusable Failure

Posted by: seasiderl | Sep 1, 2017

August 31- September 1, 2017

IRRESPONSIBLE. I've had a several year history of Western then Unify. Exceptionally unsatisfactory service repeatedly, not just a single experience with a single agent. Had UnifyFCU agent Vernon on line while I attempted to navigate system to register for online banking. Repeatedly got error messages, sending me back to previous pages. Neither I nor Unify agent could get through. A “Verification” number failed be transmitted to my email (address was confirmed correct). Tried in again by phone, was told it would take less than two minutes but it took from 4:17 to 4:40pm (August 31, 2017), leaving me hanging...

Was told I could use “password of your choice”, and I had agent repeat the claim. Tried it but it didn’t work and eventually discovered the agent’s information was incorrect. Later I was instructed to use password of “eight characters”. Again tried it, again discovered information was incorrect. Later told to use eight characters plus both upper case and lower case letters. Want to guess how long all this took? Even with a Unify agent on the phone giving instructions?

Disrespectful. Identified my name correctly. Repeatedly. Agents paid no attention, addressing me improperly.

Dishonest. Supervisors Laurie and Maggie repeatedly refused to give me contact information and address of corporate offices. Told me their managing supervisor, Oswar, would call me between 11:00 and 12:00 today. I waited. Never received call. 2:15pm, still have not received the promised call.

No excuse for any of this in my opinion. A reply "sorry for the inconvenience" does not suffice. Unify communicates inxecusable lack of interest in (some of) their customers.

Poor Service

Really disappointed in the level of customer service I received. I applied for an auto loan and was pre-approved without any problems. It took them a month to make any further decision on my application. My loan officer was extremely slow to reply to my phone calls and emails, always shifting the blame to other people for why things were taking so long. Finally when she called to say that my application had been denied, I got a letter that was sent a full week earlier with the same information. Would not recommend this institution for loans.

Unify (Western Financial) Credit Union

Hard to get your IRA money transferred to another custodian after maturity. We had money maturing on 6/20 and on 7/1. We sent the transfer forms in ahead of time. It is now 7/13 and they are just getting around to
transferring the money now.

Customer Since Western - Awful

Posted by: donovanh | Jun 12, 2017

I've been a customer since Unify was known as Western. I have consistently been faced with unknowledgeable and disingenuous staff. It took months before I could make payments online because of their outdated system. When I finally was able to make online payments, they were quadrupled. Their mistake caused my account to overdraft. Today however, was the straw that broke the camels back. I was at an airport restaurant when my credit card was rejected. They showed no compassion for me as I tried to explain that it was my only card on hand and that I recently made a payment. In addition, I needed them to approve my charge so that I wouldn't miss my flight. In the end? I got absolutely no help whatsoever. I'm officially leaving this credit union which I should have done years ago. If you're looking for a reliable and friendly credit union, this is not for you.

Bait & Switch

Since the change from Wester to Unify this is a totally different company. They advertise awesome benefits for their members, but it is bait and switch! For example, the APR they advertise on their website is not available to anybody, due to absolutely ridiculous 'qualifications'. Even with a healthy income, perfect credit scores, very little debt, NO credit card debt, and a long time member will not "qualify" for the low rates. Their 'qualifications' make it non-existent. This is false advertising at best. On top of that, the department does not return phone calls or follow-up when they say they will. This company needs a total make-over! The only thing good about this company is the functionality of their website.


Health Grade Components

NCUA #15732
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD-0.01%
Return on Equity - YTD-0.14%
Annual Interest Income$52.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.75B$2.27B
LoansQ2 2017vs Q2 2016$1.93B$1.57B
DepositsQ2 2017vs Q2 2016$2.39B$2.00B
Equity CapitalQ2 2017vs Q2 2016$215.8MM$198.1MM
Loan Loss AllowanceQ2 2017vs Q2 2016$13.4MM$11.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$14.3MM$12.9MM
Real Estate OwnedQ2 2017vs Q2 2016$917.00K$907.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

UNIFY Financial Credit Union Savings Account Rates

0.20%--IRA Savings Account
0.10%--Regular Savings
0.10%-$10kClub Account

UNIFY Financial Credit Union Money Market Rates

0.25%*$50k*-Money Market Account
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $50k

UNIFY Financial Credit Union Checking Account Rates

0.10%$2k-Premier Checking

UNIFY Financial Credit Union CD Rates

2.00%$1k-60 Month Share Certificate
1.65%*$100k*-48 Month Share Certificate
OTHER TIERS: 1.55% $1k - $40k | 1.60% $40k - $100k
1.36%*$100k*-36 Month Share Certificate
OTHER TIERS: 1.26% $1k - $40k | 1.31% $40k - $100k
1.21%*$100k*-24 Month Share Certificate
OTHER TIERS: 1.11% $1k - $40k | 1.16% $40k - $100k
0.95%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.85% $1k - $40k | 0.90% $40k - $100k
0.56%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.46% $1k - $40k | 0.51% $40k - $100k
0.36%*$100k*-3 Month Share Certificate
OTHER TIERS: 0.26% $1k - $40k | 0.31% $40k - $100k

UNIFY Financial Credit Union IRA Rates

2.00%$1k-60 Month Fixed IRA
1.65%*$100k*-48 Month Fixed IRA
OTHER TIERS: 1.55% $1k - $40k | 1.60% $40k - $100k
1.55%$1k-36 Month Variable IRA
1.38%$1k-18 Month Variable IRA
1.36%*$100k*-36 Month Fixed IRA
OTHER TIERS: 1.26% $1k - $40k | 1.31% $40k - $100k
1.21%*$100k*-24 Month Fixed IRA
OTHER TIERS: 1.11% $1k - $40k | 1.16% $40k - $100k
0.95%*$100k*-12 Month Fixed IRA
OTHER TIERS: 0.85% $1k - $40k | 0.90% $40k - $100k