News & Promotions
Reg CC has changed, effective July 1, 2025
Due to changes in Federal Regulation CC, the amount of funds that must be made available to you has changed effective July 1, 2025.
Our commitment to providing you with timely access to your funds remains our priority. While the general timeframes for funds availability are not changing, the dollar amounts associated with certain deposits have increased.
Here’s what you need to know about these changes:
Next-Day Availability: The minimum amount of a deposit that must be made available on the first business day after the day of deposit is increasing from $225 to $275.
Large Deposit Exception Threshold: The threshold for using the large deposit exception to delay funds availability is increasing from $5,525 to $6,725.
New Account Exception Threshold: The amount of funds deposited by certain checks into a new account (within the first 30 days of account opening) that are subject to next-day availability is increasing from $5,525 to $6,725.
These changes are designed to expedite funds availability for you, our valued member. Even though this is a positive change, Regulation CC requires us to inform you of these adjustments.
You can obtain a copy of the updated policy at any one of our branches or by contacting us at 888-815-6751.
EVERYTHING IS ON SALE!
(Well, almost everything.)
Enjoy an Extra 1% APR* OFF Any Qualified Loan Rate.
Save 1% APR* on things that move!
Save 1% APR* on Personal Loans that can pay for whatever.
Save 1% APR* on home improvements!
Save 1% APR* on Home Equity Loans with terms up to 15 years.
From July 1st to September 30th.
*APR = Annual Percentage Rate. The discount of 1% will be deducted from your qualified rate based on individual credit eligibility. Example: Auto Loan Tier A+ credit rating is 5.24% APR minus 1% = 4.24% APR for 48 months. The sample payment is $23 per $1,000 at 4.24%. Loans excluded from this offer are Share/Term Secured, Visa, First Mortgages, Home Equity Lines of credit. Offer, rate, and term may vary depending on individual credit eligibility. All UCFCU programs, rates, terms, and conditions are subject to change 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.
GET A $25 BONUS SAVINGS DEPOSIT!*
Sign up for Credit Sense through Unity's Online Banking or Mobile App.
This free service helps you:
Keep an eye on credit scores and credit report changes with real-time credit monitoring.
Stay on top of your credit score by refreshing your score every day.
Qualify for best rates on new loans, credit cards, or refinancing based on your credit score.
Get alerts when new inquiries for credit are made; this helps to prevent fraud.
Set goals to improve your credit score
From July 1st to September 30th.
Sign up now!
* To qualify for the $25 bonus savings deposit, you must sign up for Credit Sense through Unity Catholic Federal Credit Union (UCFCU) home banking or mobile app from 07/01 - 09/30/25. The bonus will be deposited into the share account by 10/31/2025 for members in good standing. All UCFCU programs, rates, terms, and conditions are subject to change 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.
START PLANNING THE DREAM VACATION WITH JUST $5!
Open a Vacation Club account today and kick-start your savings with as little as $5. Earn 3.03% APY* to help your travel fund grow faster! Make deposits anytime—set it and forget it with automatic transfer or add funds whenever it's convenient for you!
When you're ready to book that dream trip, your savings will be waiting.
*APY = Annual Percentage Yield. The yield of 3.03% is the current yield as of 04/01/2025. Funds will be transferred to your primary savings account on 04/01/2026, $5 minimum deposit required to open an account. Dividends are compounded and applied on a quarterly basis. There are withdrawal limitations, and a fee may apply if you want to withdraw before the end of the period. All UCFCU programs, rates, terms, and conditions are subject to change 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.
GET A NO-FEE CHECKING ACCOUNT AND RECEIVE A $100 DEPOSIT* IN YOUR UNITY SAVINGS ACCOUNT.
Free Mobile App, Bill Pay, Credit Monitoring, Debit Card Security, Fraud Alerts, and more.
No minimum balance requirement.
Use your Debit Card anywhere MasterCard is accepted; add it to your Mobile Wallet for maximum convenience.
Overdraft Protection available.
From July 1st to September 30th.
*Offer valid for new Unity Catholic Federal Credit Union Smart Checking accounts. Offer not available to existing checking members or to those with a Money Market Checking or a draft account that has been closed within the last 12 months. To receive the savings deposit of $100, members must sign up for a direct deposit(s) totaling $250 per month, direct deposit must be received within 60 days of account opening, sign up for home banking, and have an active Mastercard Debit Card. The credit will be deposited by 12/12/2025 with notification sent to the email address on file. All UCFCU programs, rates, terms, and conditions are subject to change 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!