News & Promotions


Make Your Dreams Come True

Sisters under blanket reading.jpg

A dream might be a wish your heart makes, but we believe that dreams really can come true. Thanks to the Unity Catholic Whatever Loan, you can gain financial freedom with a low-rate Whatever Loan.

Whatever you wish for, whatever you need, we can help! Get a 60-month loan as low as 9.49% APR* to save money and hassle. 

*APR = Annual Percentage Rate, estimated payment is $21.00 per $1,000.00 borrowed for 60 months at 9.49% APR. Offer and rate may vary depending on individual credit history. All loans subject to credit approval. All UCFCU programs, rates, terms and conditions are subject to change at any time without notice. No prepayment penalties apply.

Hit Pay Dirt

Hit Pay Dirt

There’s value in your home! For a limited time, you can borrow against the equity in your home with the help of a Home Equity Loan and get a rate as low as 4.50% APR* for 10 years. The best part is, you’ll avoid rising interest rates when you lock in your Home Equity Loan today! 

No matter what you need it for, a Home Equity Loan is the perfect way to find the funds you need. Ready to get started? 

*APR=Annual Percentage Rate as low as 4.50%, estimated monthly payment is$104.00 for $10,000.00 borrowed. Must have 80% LTV (loan to value) equity position. Loan must result in a second lien position of property and cannot be used to refinance an existing Unity Catholic FCU loan. Member will only pay for the appraisal needed to determine the value of the home. 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.

Ohio Credit Union Foundation Annual Video Scholarship

annual video scholarship banner

The Ohio Credit Union Foundation is offering Ohio undergraduate credit union members the opportunity to apply for a $5,000 video-based scholarship by creating an interactive 60-second to 2½-minute video answering the following scholarship question:

Pick one of the five fundamentals of credit unions and use it to convince your best friend why it's better to use a credit union than any other kind of financial institution. 

*Five fundamentals of all credit unions: cooperative business model, non-profit, democratically controlled (one member, one vote), member-owned, with a board of directors comprised of its member-owners.

Weighed down by debt?

UCFCU Visa Balance Transfer

Transfer your post-holiday balances to a Unity Catholic Visa Credit Card and enjoy a rate as low as 2.99% APR* for 6 months! It will give you time to pay down your debt without the added pressure of excessive interest. 

You'll also enjoy an awesome 9.99% APR* on all new purchases carried beyond 25 days, plus no annual fee, no balance transfer fee and a 25-day courtesy period on all purchases. 

Ready to drop that extra weight and lower your rate? Apply today! 

*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 January 1, 2019, 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 ascending 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

In 2018, we donated $8,080 to 58 schools and churches in the Diocese of Cleveland.

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 3.24% 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 3.24% 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.

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 4.74% 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 4.74% 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. 

Birds of a Feather..

UCFCU Refer a Friend Offer. Two birds whispering to each other

You know how the saying goes. When you tell your flock to join Unity Catholic, you'll both receive $25* as a special thank you from us! As an added bonus, any friends or family that join will have the opportunity to earn an extra $75!* 

Talk about flying high! To complete the referral process, simply print out the referral form and follow the directions. Your friends and your wallet will thank you. 

*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.

Celebrate Youth Month With Us!


Teaching good money habits early will help set your child up for success, and we're here to help. Members 18 and younger are invited to participate in our annual National Credit Union Youth Month celebration!

  1. Get started! Cut out the Frequent Saver Card. Youth Month handout

  2. Save up! Each time a youth member (ages 5–18) makes a deposit of $5 or more to their savings account, they will get their card punched.

  3. Celebrate! When their card has been punched 3 times, turn it in for an instant prize and get invited to our bowling party on May 19, 2019!

Your child's not a member yet? Have them join now and we will put $5 toward their new savings account to start them saving right away.
Deposit must be made by primary account holder and is limited to members age 5–18 years of age. Contact the credit union for additional details.