Unify Financial Oakland CA Credit Union | Low Mortgage Rates & Rewards Cards

Introduction

Welcome to Unify Financial, your trusted partner in financial well-being right here in the heart of Oakland, CA. Located at 140 Frank H Ogawa Plz, our branch has been a cornerstone of the community since 1963, proudly serving over 252,114 members with dedication and care. At Unify Financial, we believe in putting our members first. With total assets of an impressive $3,509,573,656 and total deposits reaching $193,298,017, we are committed to providing robust financial solutions tailored to meet your needs. Whether you're looking for personal banking services like checking and savings accounts or seeking financing options such as auto loans and mortgages, we have you covered. Our leadership team is passionate about fostering a supportive environment. Under the guidance of our CEO, Gordon Howe, and Board President, Tony Tam, we strive to create lasting relationships with our members. We understand that each member's journey is unique, which is why we offer personalized assistance to help you achieve your financial goals. While members can visit us at 140 Frank H Ogawa Plz, official correspondence should be sent to our mailing address at PO Box 10018, Manhattan Beach, CA 90267. You can reach us at 877-254-9328 during our operating hours from Monday to Friday, 9 AM to 5 PM. Join us at Unify Financial, where community meets commitment! Explore our website at www.unifyfcu.com for more information on how we can assist you today. Let's build a brighter financial future together!

Branch History & Mission

Community Engagement

Community involvement is at the heart of what we do. We actively seek partnerships with local organizations to give back and support initiatives that promote education, health, and well-being in Oakland. By working together with residents and businesses alike, we aim to create a thriving environment where everyone can flourish. While you can visit us at our branch for all your banking needs, if you need to send official correspondence, please use our mailing address: PO Box 10018, Manhattan Beach, CA 90267.

Join Us

If you're looking for a credit union that truly cares about its members and the community, look no further than Unify Financial. Experience firsthand how we can help you reach your financial goals while making a positive impact in Oakland. We invite you to join our growing family and take advantage of the services we offer everything from checking accounts to business loans. For more information or to get started today, call us at 877-254-9328 or visit us online at Unify Financial. Together, let's build a brighter future!

Our Journey

From our humble beginnings, Unify Financial has been dedicated to providing excellent service and fostering strong relationships within the community. We have continually adapted to meet the evolving needs of our members while maintaining our core values of trust, integrity, and respect. This journey includes embracing technology to enhance your banking experience offering online and mobile banking options that make managing your finances convenient and accessible.

Our Mission

At Unify Financial, our mission is clear: we strive to empower our members by providing them with valuable financial tools and resources while also supporting local initiatives that strengthen our community. We believe in helping individuals achieve their dreams, whether it's buying a home, financing a vehicle, or managing day-to-day expenses. Our branch operates Monday through Friday from 9 AM to 5 PM, ensuring that we're available when you need us most. While we currently do not offer ATM or drive-thru services, we are committed to providing exceptional personal service inside our branch.

Branch Location & Accessibility

Welcome to Unify Financial, your trusted credit union located in the heart of Oakland! Our branch at 140 Frank H Ogawa Plz is easy to find and perfectly situated for your banking needs. Whether you're a long-time member or just exploring your options, we're here to provide friendly service and expert assistance. For those visiting us, you'll appreciate the convenient location near local landmarks that make it easy to stop by while running errands or after enjoying a day out in the vibrant community. We invite you to take advantage of our ample parking space and ADA-compliant facilities, ensuring accessibility for everyone. Our lobby is open Monday through Friday from 9 AM to 5 PM, making it simple for you to drop by during the workweek. Please note that we are closed on Saturdays, but our team is always ready to assist you during regular business hours. If you have any questions or need help with your accounts, don't hesitate to reach us at 877-254-9328. While members can visit us at our physical address, official correspondence should be sent to PO Box 10018, Manhattan Beach, CA 90267. Although we currently do not offer ATM services or drive-thru banking at this location, our dedicated staff is here to assist you with a variety of services including checking and savings accounts, auto loans, mortgage options, and personal loans tailored to fit your financial goals. We look forward to welcoming you at Unify Financial in Oakland. Stop by today or give us a call we're excited to help you achieve your financial dreams!

Member Eligibility

At Unify Financial, we believe that everyone deserves a place in our welcoming community. Becoming a member is simple and open to those who meet certain criteria, which typically include living or working in the areas we serve, as well as family members of existing members. To get the complete details on eligibility, feel free to check out our resource at http://www.unifyfcu.com/unify-membership . Joining us not only gives you access to a range of financial products designed to help you thrive but also connects you with a supportive network that cares about your financial well-being. When you're ready to take the next step, opening an account with Unify Financial is straightforward! You can start the process online by visiting https://ebanking.unifyfcu.com/ufcuonline/sdk/autoenrollmente2e or simply give us a call at (877) 254-9328 for assistance. We're located at 140 Frank H Ogawa Plz Oakland Ca 94612, and our friendly team is here to help guide you through every step of your membership journey. Join us today and experience the difference of being part of Unify Financial!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $173 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,070,153,429, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the tools to accept payments effortlessly while focusing on what you do best running your business. Our merchant services simplify payment processing, allowing you to cater to your customers' preferences. Whether it's credit cards, mobile payments, or online transactions, we've got you covered so you can enhance customer satisfaction and boost sales. Located conveniently at 140 Frank H Ogawa Plz Oakland Ca 94612, Oakland, CA 94612, we invite local businesses to explore how our services can help elevate their operations. Reach out today at (877) 254-9328 and let's discuss how Unify Financial can partner with you for success!

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking services include essential tools like merchant services and business loans tailored to help you grow. We understand that running a business comes with its challenges, so we're here to provide support every step of the way.

Digital Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking platforms. You can easily access your accounts anytime through our secure mobile app or website. Plus, features like ATM and cash withdrawal services ensure that accessing cash is simple and straightforward. Our digital capabilities extend to secure transactions as well; whether it's person-to-person payments or e-statements for easy record-keeping, we've got modern solutions designed for your busy life. With our dedicated team ready to assist you at 877-254-9328, we invite you to experience how Unify Financial can enhance your financial journey. Visit us today or explore more about our offerings by checking out our website at http://www.unifyfcu.com . Let's work together towards achieving your financial goals!

Personal Banking

For individuals and families, we provide checking and savings accounts that fit your lifestyle. Imagine having your hard-earned money work for you while enjoying easy access to your funds. With features like online and mobile banking, managing your accounts has never been easier. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. When it comes to financing a vehicle, our auto loans and vehicle financing options make purchasing your dream car a reality. With competitive rates and flexible terms, you can drive off with peace of mind knowing you made a smart financial choice. If you're looking to buy a home or refinance your current mortgage, our mortgage loans and refinancing services are here to help simplify the process. For those unexpected expenses or plans that require some extra cash, our personal loans and debt consolidation services offer a way to manage your finances effectively. We also provide credit cards with rewards, allowing you to earn points on purchases while enjoying added benefits.

Digital & Online Banking

Enhanced Security and Features

We prioritize your safety with electronic signature authorization, ensuring that your transactions are secure. Plus, e-statements are available to help you manage your account without the clutter of paper statements. You can view your account history and transaction details anytime, making it easy to keep track of your finances. Whether you're checking balances or transferring funds, our digital banking services provide real-time account management that fits seamlessly into your busy life. With Unify Financial, you'll find that banking has never been more accessible or convenient!

Key Services

Our online banking platform at http://www.unifyfcu.com provides 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can even send money quickly and easily with our person-to-person transfer feature. No more waiting in line your bank is right in your pocket! For those who prefer mobile banking, our user-friendly mobile application is available for download, putting banking right at your fingertips. If you're looking to make payments on the go, our mobile payments feature lets you pay with just a tap.

Financial Strength

Commitment to Innovation

With $234,177,761 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $23,905 in used auto loans and $2,942,195,674 in total loans and leases.

Growing Membership Base

Total Share and Deposit Accounts: 479,637, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $0, further enhancing our capacity to support you financially. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Unify Financial is your trusted partner. Visit us at 140 Frank H Ogawa Plz Oakland Ca 94612 or call (877) 254-9328 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member Savings Securely Held

Members' savings are secured through $904,893,942 in share certificates and $459,250,040 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,999,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $8,660,810 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 473 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $280,101,782, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $795 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $397,541,408 in used vehicle loans and $250,634,432 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles, ensuring that you have options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $1,070,153,429 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in existing operations, our team can support your business financing needs. At Unify Financial, we are committed to transparency and support throughout your lending experience. For more details on eligibility or how to apply for any of our loan products, please give us a call at (877) 254-9328 or visit our website at http://www.unifyfcu.com . Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us partner with you on your financial journey!

Credit Lines

In addition to traditional loans, we provide lines of credit with a total of $872,463,427 available. This option allows you to borrow what you need when you need it without having to apply for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $118,573,600, make buying or refinancing simple. Our mortgage team is ready to assist you with refinancing options as well, so whether you're purchasing your first home or looking to reduce your monthly payments, we're here to help.

Unsecured Credit Cards

Managing day-to-day expenses? We also offer flexible terms on unsecured credit card loans, with a total of $93,657,378 in loans helping members manage their finances effectively. These cards come with attractive rewards and benefits tailored for everyday spending.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ), ensuring fair and transparent offers. This commitment to accuracy means that users can trust the information provided on the platform.

UNIFY FINANCIAL FEDERAL CREDIT UNION

Type of Loan Offerings

Personal Loans