Unify Financial Torrance CA Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Unify Financial, your trusted partner in achieving financial wellness right here at our branch located at 20305 Anza Ave, Torrance, CA 90503. Since our establishment in 1963, we have proudly served our community with dedication and care, cultivating a membership base of over 252,114 individuals who rely on us for their banking needs. Our commitment to providing exceptional service is reflected in our impressive total assets of $3,509,573,656 and total deposits amounting to $193,298,017. At Unify Financial, we understand that every member's journey is unique. That's why we offer a wide range of financial products and services tailored to meet your needs from personal checking and savings accounts to auto loans and mortgages. With a total loan portfolio exceeding 122,006, we're here to support you whether you're looking to finance a new car or consolidate debt. Under the leadership of our CEO, Gordon Howe, and Board President, Tony Tam, we prioritize your financial success. Our dedicated team of 474 employees is ready to assist you in person or online through our user-friendly website at unifyfcu.com. While members can visit us at the branch for face-to-face support, any official correspondence should be directed to our mailing address: PO Box 10018, Manhattan Beach, CA 90267. We take pride in being more than just a credit union; we're a community partner committed to enhancing the financial lives of our members. Whether you need guidance on loans or wish to explore investment options, we're here for you every step of the way. Feel free to reach out via phone at 877-254-9328, or drop by during our lobby hours Monday through Thursday from 10:00 AM to 6:00 PM and Friday from 9:00 AM to 6:00 PM. On Saturdays, we're open from 9:00 AM until 3:00 PM. We invite you to join the Unify Financial family today!

Branch History & Mission

Our Journey

From our humble beginnings, Unify Financial has undergone significant transformations to meet the changing needs of our members. Over the years, we have expanded our offerings from basic savings accounts to a comprehensive range of products, including auto loans, mortgages, personal loans, and credit cards with rewards. Our growth reflects not only an increase in membership but also our dedication to enhancing the financial well-being of those we serve. Our headquarters may be located in Manhattan Beach, CA, but our reach extends beyond just one city. We are proud to be part of a larger mission that emphasizes accessibility and support for all members in the area. While members can visit us at our Torrance branch for personal assistance during operating hours Monday through Thursday from 10 AM to 6 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 3 PM we are also committed to providing digital solutions like online banking and mobile payments for convenience.

Our Mission

At the core of Unify Financial's mission is a simple yet powerful principle: putting people first. We believe that financial services should be accessible and beneficial for everyone. Our team is dedicated to helping individuals and families achieve their financial goals through personalized advice and community-focused initiatives. Whether you need guidance on buying your first car or assistance with saving for your child's education, we are here every step of the way. Our commitment goes beyond transactions; we actively engage in community outreach programs and partnerships that uplift local organizations and causes. In addition to traditional banking services, we offer valuable resources like financial literacy workshops designed to empower members with knowledge about managing their money effectively. As we look toward the future, we remain steadfast in our goal: to continue building lasting relationships with our members while adapting to their evolving needs. With one ATM available for easy access and no drive-thru service at this location, we encourage you to come inside and experience firsthand how Unify Financial can help you thrive financially. We invite you to join us at Unify Financial where together, we can achieve more! If you're ready to take the next step towards better financial health or want more information about membership benefits, don't hesitate to reach out at 877-254-9328 or visit us online at unifyfcu.com.

Branch Location & Accessibility

Banking Hours Tailored for You

At Unify Financial, we understand that your time is valuable. That's why we offer flexible banking hours: from Monday to Thursday, we're open from 10:00 AM to 6:00 PM; on Fridays, we welcome you from 9:00 AM to 6:00 PM; and on Saturdays, we're here for you from 9:00 AM until 3:00 PM.

Comprehensive Services at Your Fingertips

When you step into our branch, you're not just entering a financial institution you're walking into a place that offers a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage options, we have something for everyone. Plus, with ATM availability right here at the branch, cash withdrawals and balance checks are quick and easy. While visiting us at 20305 Anza Ave is ideal for all your banking needs, please remember that any official correspondence should be sent to our mailing address at PO Box 10018 in Manhattan Beach. We invite you to come by and discover how Unify Financial can help you achieve your financial goals. Our friendly team is ready to assist you!

Convenient Access and Amenities

Our branch features ample parking, making it simple for you to visit us without any hassle. We prioritize accessibility for all members, ensuring that our facilities are ADA compliant with ramps and other helpful features. If you need to reach out to us before your visit, feel free to give us a call at 877-254-9328.

Member Eligibility

At Unify Financial, we believe that everyone deserves access to financial services that truly support their needs. Joining our community is easy! If you live, work, worship, or attend school in the areas we serve, you're already on your way to becoming a member. We welcome individuals from diverse backgrounds and experiences, making it simple for you to enjoy the benefits of membership. Whether you're looking for personal banking options or planning for your future with loans and investments, being part of Unify Financial means you'll have a supportive partner by your side. To learn more about the specific eligibility requirements and see if you qualify, feel free to check out our detailed guidelines at http://www.unifyfcu.com/unify-membership . When you're ready to take the next step toward opening an account, visit us at https://ebanking.unifyfcu.com/ufcuonline/sdk/autoenrollmente2e . If you have any questions or need assistance, don't hesitate to call us at (877) 254-9328. We can't wait to welcome you into our family at 20305 Anza Ave Torrance Ca 90503!

Business Banking & Commercial Services

Lending Solutions for Growth

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 That Make Life Easier

In addition to loans, we offer merchant services that simplify payment processing. Imagine having a reliable partner that helps you accept payments quickly and securely. Our solutions allow you to focus on what you do best running your business while we take care of the transactions. From point-of-sale systems to mobile payment options, we provide the tools you need to serve your customers effectively. Visit us at 20305 Anza Ave Torrance Ca 90503 in Torrance, CA today, and discover how Unify Financial can empower your business journey!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we offer comprehensive business banking services, including merchant services and business loans. Running a business comes with its own set of challenges, but with our support, you'll have access to financial resources that can help your venture thrive.

Credit Cards and Personal Loans

Our credit cards with rewards not only help you make purchases but also earn rewards on every dollar spent. This way, every shopping trip contributes to your future adventures or necessities! Additionally, if you're facing challenges managing debt, our personal loans and debt consolidation solutions can assist you in regaining control of your finances.

Easy Access & Convenience

We understand that accessibility is crucial in today's fast-paced world. That's why we provide essential ATM and cash withdrawal services, allowing you to manage your money whenever needed. With basic ATM access for withdrawals and balance checks, you'll always be in control of your finances. No matter where life takes you, our digital features like online banking and mobile payments ensure that you can bank whenever it suits you best.

Get Started Today!

Ready to explore all that Unify Financial has to offer? Call us at (877) 254-9328 or visit us at our location in Torrance, CA. Join us today and experience personalized service like never before! For more details on membership eligibility or account opening procedures, check out our website at http://www.unifyfcu.com . Your financial journey begins here!

Home Financing Options

Thinking about purchasing a home? At Unify Financial, we provide various mortgage loans and refinancing options. Our knowledgeable staff can guide you through the process, ensuring that you find the right fit for your budget. Picture yourself settling into your new home with peace of mind knowing that your mortgage is handled by experts who care.

Personal Banking Solutions

For individuals looking to manage their finances more effectively, we offer a variety of personal banking services. Our checking and savings accounts are designed to meet your daily banking needs while helping you save for the future. Imagine having easy access to your funds through our convenient online and mobile banking platforms banking has never been easier! If you're in the market for a vehicle, our auto loans and vehicle financing options can get you behind the wheel without breaking the bank. We understand that buying a car is a significant investment, so we strive to offer competitive rates and flexible terms tailored to your situation.

Digital & Online Banking

Key Services

With our online banking platform, accessible at http://www.unifyfcu.com , you can effortlessly check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Our mobile application takes this convenience a step further, allowing you to manage your finances right from your smartphone. Plus, our electronic signature authorization feature means you can sign documents quickly and securely without the need for paper. We also know how important it is to stay updated with your financial statements. That's why we provide e-statements, so you can view your account activity anytime without waiting for mail delivery. Need to send money to a friend? Our person-to-person transfer service makes it simple and fast.

Security and Accessibility

Your security is our top priority. All our digital banking features come with robust security measures to protect your personal information. You can have peace of mind knowing that your transactions are safe. Banking shouldn't be complicated. At Unify Financial, we strive to make every interaction as user-friendly as possible. Whether you're using mobile payments for quick purchases or accessing your accounts online, everything is designed with ease-of-use in mind. Join us today and experience the convenience of digital banking at Unify Financial! With our user-friendly tools and secure platform, managing your money has never been easier.

Financial Strength

Commitment to Growth

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 commitment extends to our lending capacity as well; with $23,905 in used auto loans and $2,942,195,674 in total loans and leases, we're here to support your financial goals across various sectors.

Conclusion

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 20305 Anza Ave Torrance Ca 90503 or call (877) 254-9328 to learn more about how we can help you achieve your financial goals.

Growing Member Base

Total Share Accounts: 479,637, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0.

Member Savings Secured

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.

Solid Financial Foundation

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

Additional Financing Solutions

In addition to auto and mortgage loans, we provide access to various credit lines totaling $872,463,427 for those looking for flexibility in borrowing. Business owners can also benefit from our outstanding commercial loans totaling $1,070,153,429, which offer essential capital for growth and expansion. If you're considering refinancing any existing loans or want to explore eligibility options for our products, don't hesitate to reach out. Our team is here to guide you through every step of the process. For more information about our loan offerings or to apply today, visit us at Unify Financial. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We look forward to helping you meet your financial needs!

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. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $118,573,600. Our dedicated team will work with you to navigate the mortgage process smoothly and find terms that suit your financial situation.

Unsecured Credit Card Loans

Managing daily expenses can sometimes be challenging. 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. This option gives you the freedom to make purchases while keeping your budget in check.

Loan Aggregator

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Ensuring Accurate 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 ). This commitment to accuracy means that users receive fair and transparent offers. By gathering information from legitimate sources, LendMesh ensures that every loan comparison reflects the most current market conditions.

UNIFY FINANCIAL FEDERAL CREDIT UNION

Type of Loan Offerings

Personal Loans