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Help & Guidance

Make financial strides

Financial solutions designed to 
support your goals all year long.

On this page:

Plan for tomorrow

Whether you are saving for an unexpected expense, a long-awaited vacation, or your child’s education, planning ahead is always a good idea. Setting aside even a small amount can give you breathing room and options when you need them most.

High-Yield Savings

Keep your savings accessible and separate from everyday spending

  • No maintenance fees or balance requirements
  • 24/7 global access
  • Higher rates as your savings grow

Open an account

 

Simplify your debt

Multiple debts mean multiple due dates and interest rates. Simplifying your debt reduces stress, can save you money, and gives you a clear path forward. Choose the solution that works for you.

Debt consolidation loans

Manage fewer monthly payments

Simplify your finances by combining credit card debt and other balances into one easy-to-manage loan with a single monthly payment.

Explore debt consolidation
Credit Cards

Start fresh with 0.00% APR

Enjoy 0.00% introductory APR1 on purchases and balance transfers — six months with the Elite card, 12 months with the Azure card. It’s a great way to manage debt and get back in control.

Explore credit cards

Optimize everyday spending

Daily spending makes up most of your financial life. The right solutions help you spend securely, earn rewards, and avoid unnecessary fees.

Checking Account

Everyday spending with global access

  • Premium rate of 1.75% APY2
  • No maintenance fees
  • Secure purchases
  • 24/7 global access
  • Unlimited transactions
Checking account details
Elite Credit Card

Global rewards & protection

  • 10,000 bonus points to start3
  • Earn points on every purchase
  • Zero liability for unauthorized charges4
  • No foreign transaction fees
  • Low annual fee of $50.00
Elite credit card details

Your goals, on your terms

Now is a great time to start pursuing your goals. We have gathered key steps you can take today to gain more control over your finances, all year long.

Dive deeper

Disclosures

  1. APR = Annual Percentage Rate. Creditworthiness and loan amount will determine actual APR. Rate quoted is an introductory rate. Thereafter, the rate will vary with the market based on the Prime Rate. Your actual APR may be lower than the US Prime plus margin if the rate is subject to regulatory limits.
  2. APY = Annual Percentage Yield. Rates are subject to change without prior notice. Effective date: 3 February 2026.
  3. Earn 10,000 bonus points when you spend $2,000 on purchases in the first four months of opening an account.
  4. Visa’s Zero Liability Policy covers US-issued cards and does not apply to certain commercial card transactions. Visa’s Zero Liability Policy does not apply to any transactions not processed by Visa. You must notify UNFCU immediately of any unauthorized use. For specific restrictions, limitations, and other details, contact us.