OneUnited Bank Credit Cards

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Unity Visa Secured Credit Card

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BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required

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$39 Annual Fee

Unity Visa Secured Credit Card

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• 17.99% fixed rate through the expiration date of the card. Regular Purchase APR
• 17.99% fixed rate through the expiration date of the card. Balance Transfer APR
• 17.99% fixed rate through the expiration date of the card. Cash Advance APR

At a Glance

The Unity Visa Secured Card by OneUnited Bank is a secured credit card that is looking to make a difference. Issued by OneUnited, the largest black-owned bank in the United States, the card seeks to help holders “make a comeback” with sound financial use (and without the need for debit cards or prepaid cards). The card features a fixed-rate APR on purchases, balance transfers, and cash advances, plus a special introductory rate on balance transfers for the first six months – all for a $39 annual fee.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• Get a second chance at credit
• Support the natio’s largest back-owned bank
• 9.95% intro APR on balance transfers for the first 6 months

• Regular Purchase APR: 17.99% fixed rate through the expiration date of the card.
• Intro Balance Transfer APR: 9.95% for 6 months from account opening date
• Balance Transfer APR: 17.99% fixed rate through the expiration date of the card.
• Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
• Cash Advance APR: 17.99% fixed rate through the expiration date of the card.
• Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
• Annual Fee: $39
• Foreign Transaction Fee: 3% of each transaction in U.S. dollars
• Late Payment Penalty Fee: Up to $10
• Return Payment Penalty Fee: Up to $37
• Minimum Deposit Required: $250

• You’re looking to rebuild your credit with the major credit bureaus
• You want to empower your community by contributing to OneUnited’s education projects
• You plan to pay your entire statement balance each month

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What Is OneUnited Bank?

OneUnited Bank is a community-oriented bank that prides itself on being the largest black-owned bank in the country. The bank began as Unity Bank & Trust in Boston, Massachusetts. Since then, the combining of other prominent black-owned banks across the country has resulted in the OneUnited Bank brand in its current form. These partner banks include Founders National Bank of Commerce in Los Angeles, Family Savings Bank in Los Angeles, CA, Peoples National Bank of Commerce in Miami, FL, and Boston Bank of Commerce.

As the largest black-owned bank in America, OneUnited’s #BankBlack social media campaign is at the heart of their message, seeking to demonstrate the economic buying power of minority groups.

Of course, the #BankBlack campaign doesn’t mean that OneUnited Bank is only open to African Americans. The bank is an all-inclusive collective seeking to help build up underprovided or underrepresented communities across the country, regardless of race or creed.

What Makes OneUnited Bank Different?

OneUnited Bank prides itself on working tirelessly to strengthen the financial knowledge base of impoverished and disadvantaged communities. The bank is the largest black-owned bank in the United States and is the combination of four separate banks from Miami, Boston, and Los Angeles.

The bank is very active with its Community Development Financial Institution (CDFI) Program, which provides educational services to “underbanked”  and lower-income communities across the country. These programs seek to boost financial literacy through a combination of local events and workshops.

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