Unify Financial

manhattan beach, California
Last verified: July 11, 2026

As of July 11, 2026, Unify Financial offers a money_market mortgage at 3.25% APR (3.25% rate, 0 points). Auto loans available from 5.74% APR. HELOC rates from 7.49% APR. Personal loan rates from 13.24% APR.

Source: RateAPI.dev, verified from Unify Financial's official website

Who Can Join Unify Financial

Membership eligibility from Unify Financial's own published criteria. How we verify this.

Membership criteria are published on Unify Financial's website. Check the membership page below to confirm whether you qualify.

Verified from Unify Financial's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 11, 2026

money_market
3.250% APR
Rate3.250%
Points0
Money Market Plus Account
money_market
3.250% APR
Rate3.250%
Points0
[PROMOTIONAL] Money Market Plus Account
ira_cd
3.600% APR
Rate3.600%
Points0
Share Certificates & IRA Accounts
ira_cd
3.600% APR
Rate3.600%
Points0
[PROMOTIONAL] Share Certificates & IRA Accounts
savings
4.000% APR
Rate4.000%
Points0
HY Checking Account ($2,000 to $15,000)
10-1-arm
6.125% APR
Rate6.125%
Points0
10/1 Adjustable Rate Mortgage

Auto Loan Rates

Rates as of July 11, 2026

auto_any
5.740% APR
Rate5.740%
[PROMOTIONAL] New and Used Vehicles
auto_any
8.990% APR
Rate8.990%
[PROMOTIONAL] New and Used ATV or Power Sports
auto_any
8.990% APR
Rate8.990%
[PROMOTIONAL] New and Used Motorcycles
auto_any
9.240% APR
Rate9.240%
[PROMOTIONAL] New and Used Boat or RV
credit_card_rewards
14.490% APR
Rate14.490%
[PROMOTIONAL] Engage Rewards Visa Signature
credit_card
14.490% APR
Rate14.490%
[PROMOTIONAL] Visa Classic Credit Card
credit_card
14.490% APR
Rate14.490%
[PROMOTIONAL] Visa Gold Credit Card
credit_card_platinum
14.490% APR
Rate14.490%
[PROMOTIONAL] Visa Platinum Credit Card

HELOC Rates

Rates as of July 11, 2026

heloc_fixed
7.490% APR
Rate7.490%
[PROMOTIONAL] Home Equity Loans and HELOCs
heloc_fixed
8.000% APR
Rate8.000%
Home Equity Loan

Personal Loan Rates

Rates as of July 11, 2026

ploc_variable
13.240% APR
Rate13.240%
[PROMOTIONAL] Signature Line of Credit
personal_unsecured
13.740% APR
Rate13.740%
[PROMOTIONAL] Personal Loans
personal
14.490% APR
Rate14.490%
[PROMOTIONAL] Debt Consolidation Loans

Frequently Asked Questions

What rates does Unify Financial offer?

Unify Financial currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are Unify Financial rates updated?

RateAPI verifies Unify Financial's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get Unify Financial's rate data?

Rate data is collected directly from Unify Financial's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Unify Financial's mortgage rate?

As of July 11, 2026, Unify Financial offers a money_market mortgage at 3.25% APR.

What is Unify Financial's auto loan rate?

As of July 11, 2026, Unify Financial offers auto loans from 5.74% APR.

Related Rate Data

Compare Unify Financial's rates against national credit-union benchmarks.

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Unify Financial
curl "https://api.rateapi.dev/credit-unions/california/unify-financial" \
  -H "Authorization: Bearer YOUR_API_KEY"