Unify Financial Federal Credit Union UNIFY Visa Fixed Rate Credit Cards

Nationwide

Availability

Eligibility requirements

Credit union membership eligibility requirements
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

unifyfcu.com

Phone

(877) 254-9328

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

14.49% – 17.99%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	17.99%	1 dollar sign symbol Pay less interest
620-719	16.49%	1 dollar sign symbol Pay less interest
720+	15.74%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

5.49% – 13.99% for 6 months

Your introductory APR will vary based on your credit score. Here are typical introductory APRs for different credit scores for this card:

Credit score	Median intro APR
619 or less	13.99%
620-719	12.24%
720+	6.24%

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: Up to $25 or the amount of the required minimum payment, whichever is less.
Over-limit fee: None
Returned Payment Fee: $25 (When payment is returned)
Card or PIN Replacement Fee: $5 (When card or PIN is replaced other than at renewal)
Rush Fee: $50 (To reissue a card by overnight mail)
Statement or Document Copy Fee: $1 (When requesting a copy of a statement or transaction receipt)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Automobile rental insurance
Debt cancellation coverage
Extension on manufacturer’s warranty
Travel and Emergency Assistance Services

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

5.49% – 13.99%*

+

$0

*As of Jun. 30, 2024. Advertised balance transfer APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical balance transfer APRs for different credit scores for this card:

Credit score	Median balance transfer APR
619 or less	13.99%
620-719	12.24%
720+	6.24%

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

14.49% – 17.99%*

+

$0

*As of Jun. 30, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
619 or less	17.99%
620-719	16.49%
720+	15.74%

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.