News & Promotions


The Time is Now!

Unity Catholic Whatever Loan
 

When the big stuff, like house and car payments, is constantly competing with unexpected and everyday expenses, it can seem impossible to get back ahead. When life's moving parts become overwhelming, it's time to take a step back and consolidate. Come see us and make a plan.

Simplify your financial comeback with a Unity Catholic Whatever Loan and start making your way back to your best life. With rates as low as 6.49% APR* on up to $10,000 for up to 48 months, you can buy yourself the resources and the time to return to total financial stability.


*APR = Annual Percentage Rate. Offer valid 8/1/2018 – 9/30/2018. Monthly payment is $238.00 for $10,000.00 borrowed at the rate of 6.49% APR for 48 months. Offer and rate may vary depending on individual credit history.  There is a $25.00 document preparation fee that will be deducted from the proceeds. Offer cannot be used to pay off existing Unity Catholic Federal Credit Union (UCFCU) loans. All loans are subject to credit approval. All UCFCU programs, rates, terms and conditions are subject to change at any time without notice. No pre-payment penalties apply. No additional discounts apply. This credit union is insured by NCUA.


Fly Debt-Free

Fly Debt-Free
 

If you feel like you're free falling, let us give you a lift! Transfer your balances to a Unity Catholic Visa® Credit Card and pay only 2.99% APR* on that balance for six months!

Plus, you'll get a low rate of 9.99% APR* on any new purchases or advances and enjoy no annual fee, no balance transfer fee and a 25-day courtesy period on purchases.

Get started today and feel what it is to fly debt-free!

*APR = Annual Percentage Rate. Subject to credit approval. 2.99% APR is a promotional rate, is fixed, and does not apply to future purchases or cash advances. This promotional rate is only available for a limited time. Promotional rate may not be used to pay existing Unity Catholic Federal Credit Union 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. As of February 1, 2018, the rate for new purchases or cash advances is 9.99% APR. 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 the other balances in descending order based on applicable APR. All promotions are subject to change or end at any time without notice.


Giving Back Auto Loan

Giving Back Auto Loan
 

It's a great feeling when you get a new car, but even better when you can give back at the same time. Experience double the joy with our Giving Back Auto Loan. You can get an auto loan at a rate as low as 2.65% APR.*

After you're approved, just tell us which Catholic School or Parish you would like to help, and we will donate $50 to your choice.

*APR = Annual Percentage Rate on vehicles not currently financed at Unity Catholic Federal Credit Union (UCFCU). Estimated monthly payment is $23.00 per $1,000.00 borrowed for 48 months at 2.65% APR. Offer, rate and term may vary depending on individual credit history. Offer is not valid on indirect loans or vehicles currently financed at UCFCU. No pre-payment penalties apply. All UCFCU programs, rates, terms and conditions are subject to change at any time without notice. UCFCU will make a $50.00 donation to the Catholic School or Parish within the Diocese of Cleveland or Eparchy of Parma of the members choosing after all loan papers have been signed. Donations will be combined with others as a lump sum and given at one time at the end of the school year with a list of donors.


Unity Can Save You Money

This year Unity Catholic has already helped save members $590,653 by refinancing cars, credit cards and loans. Here is an example of how we can help you.

Consolidate & Save
Lender Unity Kohl's Citibank Best Buy
Loan Amount $10,000.00 $2,500.00 $6,500.00 $1,000.00
Interest Rate 6.49% 22.99% 16.99% 0% for 12 mos.
Length of Loan 4 years 4 years 8 years 1 year
Monthly Payment $237.11 $80.12 $124.26 $83.34
Total Interest $1,380.91 $1,345.39 $5,427.04 $0.00
Total Paid $11,380.91 $3,845.39 $11,927.04 $1,000.00

Refinance with Unity Existing Debt to Consolidate Kohl's, Citibank, Best Buy
Monthly Savings $50.61 Total Monthly Payments $287.72
Interest Savings $5,391.52 Total Interest $6,772.43
Total Paid $11,380.91 Total Paid $16,772.43


What To Do With The Savings?

Make extra payments on existing debt to pay it off sooner. Paying just an extra $50.00 each month pays off the loan from Unity Catholic nine months earlier, which in turn saves you an additional $270.00 in interest. You could also start an emergency fund. Experts say that we should have at least $2,500.00 to pay for unplanned expenses instead of relying on credit cards.

Why Should You Consolidate Debt?

Consolidating debt with the right financial partner not only saves you money on the monthly payment, but on the long-term interest you pay. In our example, you save nearly $5,400.00 over the life of the debt and at the end of the loan. If you have stopped using your credit cards, you could be debt free. What a great feeling that would be! Call today 440-886-2558 for more information on how we can help you achieve your dreams.


Checking Account Offer

Checking Account Offer
 

At Unity Catholic, we don’t believe that you should have to pay a monthly service charge for your checking account. That’s why we offer a steady, no-surprise checking account, with no monthly service fee, and all the extras you would expect in a traditional checking account.

  • Debit Mastercard
  • No Minimum Balance Requirement
  • Online Banking
  • Free Online Billpay*
  • Mobile App
  • And More!

First Time Car Buyer Program

First Time Car Buyer Program
 

You'll never forget your first car! Unity Catholic can help you get in the driver's seat with our First Time Car Buyer Program - no credit required!

Rates as low as 4.15% APR* for 60 months!

Package also includes:

  • Checking Account
  • Direct Deposit
  • Automated Debit/Payment
  • Debit Card
  • Guardian Angel Visor Clip
  • First Time Visa® Credit Card

*APR = Annual Percentage Rate. Applicant must be 18 years old and have income to qualify. Monthly payment is $20.00 per $1,000. Borrowed at the rate of 4.15% APR for 60 months. While credit is not required to receive the rate quoted, borrowers may not have derogatory credit. Offer and rate may vary depending on individual credit history. All loans subject to credit approval. Maximum loan value 90% of NADA plus taxes, credit life and/or disability insurance, warranty, credit union and dealer fees. All Unity Catholic Federal Credit Union rates, programs and terms are subject to change or end at any time without notice. No prepayment penalties apply. 


Our Members Save Money

$631,167 Saved This Year
 

We're a credit union. That means we aren't in this business for profit. We are passionate about saving you money, and it shows! This year we have saved members $631,167 so far, and we're planning on increasing that number each month. We care about our members which is why we work hard every day to get them the best rates and deals possible. 

Could you be saving money? 

From auto loans to real estate loans to student loans and beyond, we exist to serve you and help you at every financial stage of life. 


Get Discounted Tickets to Cedar Point

Discounted Tickets to Cedar Point
 

Planning a day at the park? Buy your Cedar Point tickets through Unity Catholic and receive an exclusive discount only available to credit union members!

Click here and sign in using the following username and password:

Username: UNITYCFCUCP
Password: ucfcu

Save big. Live bigger.


Refer a Friend

Refer A Friend
 

Share the Love

You love the exceptional services and products offered at Unity Catholic and we think your friends will too! When you refer a friend to Unity Catholic, you and your friend will both receive $25.* Your friend will also have the chance to win an additional $75.*

To complete the referral process, simply print our the referral form and follow the directions — the easiest $25 you'll ever make! 


*To qualify for the promotion, the new member must present a completed referral form including the referring 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 at the same time the new membership is established and it must remain open, active and in good standing for a minimum of 60 days. If the new member opens additional qualifying accounts within 60 days of the original membership join date then they will qualify for $10. Per additional service. Up to 5 additional services are allowed for a maximum payout of $75. Qualifying accounts are: Checking, Visa, Term Share Accounts, 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. A referral form must be presented by the new member at the time of account opening to qualify for the promotion. See credit union for details. This credit union is federally insured by the National Credit Union Administration.