News & Promotions
Put more money in your pocket this year when you skip either your December 2024 or January 2025 on your eligible loans.
If you received an email or letter informing you of your Skip-A-Pay eligibility you can now complete the form electronically.
$50 processing fee that must be paid at the time of application from your Unity account.
Contact 888-815-6571 if you have questions.
The following loans may qualify for skip-a-payment: vehicle loans (auto, truck, boat, motorcycle, RV), personal loans, share and certificate secured loans. These loans will not qualify for skip-a-payment: credit cards, real estate secured loans, tuition, or single payment loans, any account that has had a delinquent history, loans that have had an extension within the previous 12 months, any loan for which less than 6 months of payments have been made, or any account or loan not in good standing. For qualifying closed-end loans, the payment will be deferred and will extend to the end of the original term of the loan. Interest on loans that you skip-a-payment on will continue to accrue on the unpaid balance during the skipped period. The next regular payment is due on the normal due date. Other than as provided here, the terms and conditions of the loan agreement remain in force. Payments made through Direct Deposit or Payroll Deduction will be deposited directly into your savings or share draft account. You can skip one monthly payment annually. The program maintenance fee of $50.00 is to administer the skip-a-payment program and is not applied to your loan. The fee of $50.00 per loan payment skipped must be enclosed with your request or you must have the funds available in the Savings or Checking account corresponding to this loan at the time we receive your request. If funds are not available to pay the fee, your request will not be processed, and your normal payment will be required. This skip-pay application is subject to credit review and can be denied.
START BUILDING YOUR FUTURE TODAY WITH AN IRA FROM UNITY!
Save for retirement, reduce your taxable income, and earn dividends with flexible options.
Why Choose an IRA
• Enjoy peace of mind as you work toward a secure financial future
• Contribute to your IRA and potentially lower your taxable income by making a deposit before filing your taxes
Get Started with Just $50
• Start your retirement journey with a minimum deposit of just $50. Earn dividends while you make regular deposits
Reach Your Goals and Earn More with an IRA Certificate
• Once your IRA Share Account reaches $500, consider
opening an IRA Certificate for even more growth potential, with terms available for one-year, two-year, and five-year options
Flexible Contributions
• Choose how you contribute - set up direct deposits for
regular contributions or make individual deposits when
you’re ready
START ADULTING THE SMART WAY
Checking Accounts with No Fees, No Hassle, Just Freedom!
No monthly fees or balance requirements – Keep all your cash for what you want
Free Mobile App – Manage your money 24/7, from anywhere
Swipe anywhere Mastercard is accepted, or add it to your mobile wallet for easy tap-and-go
VISA® BALANCE TRANSFER PROMO!
Bring all your credit card balances to Unity Catholic Federal Credit Union to earn the extra cash you deserve.
VISA® BALANCE TRANSFER at 2. 99% APR* for 6 months
Transfer $1,000+ and earn a CASH rebate to your savings of $100+
Transfer between $500 - $999. 99 and ear CASH rebate to your savings of $50+
Regular, low rate for purchases 11.99% APR*
*APR (Annual Percentage Rate). Subject to credit approval. The 2.99%APR for 6 months is for balance transfers (BT) and does not apply to purchases or cash advances. BT may not be used to pay existing Unity Catholic Federal Credit Union (UCFCU) loans or credit card debt. All 2.99% balance transfers will be classified as "cash advances" under our Visa Card Agreement. **New purchases or cash advances will be at the current rate of 11.99%APR, as of 01/01/2025. The 25-day Grace Period does not apply to cash advances or transferred balances. Monthly minimum payments will be applied to outstanding balances with the highest rate; any remaining portion will be applied to balances in descending order based on applicable APR*. Cash rebate is available 01/01 - 03/31/2025, earned rebates will be credited to the member share account on the 10th of the following month. ^to earn the $100 rebate, a single BT/debt of >$1K ^^to earn the $50 rebate, a single BT/debt of $500-$999.99 must be performed through a UCFCU employee. Members can receive multiple rebates for qualifying BT's. All promotions are subject to change or end at any time without notice. Federally insured by NCUA. Additional insurance up to $1,250,000 through ESI, a licensed insurance company, and an Equal Housing Lender.
Spread the Joy: Refer a Friend and Let the Fun Multiply!
Share the love!
Invite your friends and family to join Unity Catholic FCU for higher savings rates and lower loan rates. Get $25 for each referral, and your friends also score $25, plus a chance to earn up to $100*. It's that simple!
*To qualify for the promotion, the referring member should complete the referral form (electronic or paper) including the existing and new members name at the time of the account opening. *For both the referring member and the new member to qualify for the $25 reward the new member must open a Regular Share account with at least $5 and it must remain open, active and in good standing for a minimum of 60 days. If the new member opens additional qualifying services within 60 days of the original membership join date, they will qualify for $15. Per additional service. Up to 5 additional services are allowed for a maximum payout of $100. Qualifying services are active Checking, MasterCard Debit Card, Bill Pay, Visa Credit Card and all Loans. Both the referring member and the new members' accounts must be active and in good standing at the time the reward is paid. Rewards will be deposited only after the new accounts remain open and active for a minimum of 60 days. All Unity Catholic Federal Credit Union programs are subject to change/end at any time without notice. This credit union is federally insured by the National Credit Union Administration. Additional insurance of $250K available through ESI. Equal Housing Lender
If you’re not already a member, joining is now easier than ever with our
online account opening!