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96 N 4th St
Columbus, OH 43215-3115

Telhio Credit Union is headquartered in Columbus and is the 7th largest credit union in the state of Ohio. It is also the 420th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 127 employees and 45,548 members. Telhio Credit Union's savings rates are 2X the national average, and it has a A health rating.

Field of Membership Restrictions

Telhio is open to anyone who lives, works, worships or goes to school in Franklin County and the surrounding communities including Canal Winchester, Dublin, Galloway, Johnstown, London, Orient, Pataskala, Pickerington, Powell, Reynoldsburg and Westerville. - See Details

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Reviews (1)

Do Not Recommend

Telhio is not a compassionate bank. Totally insensitive to the consumer.
If you make a mistake, don't count on them to be forgiving because they will not.
Many of their branch ATM's do not accept deposits and I am told by a manager when you make an ATM deposit, they will put a hold the funds for 2 days. Even cash!
Fees are high, just like most banks.  

I really feel this kind of policy is place in order for them to collect more NFS fees.  

Ovedraft protection,  even with that you would have to pay a fee.  

Bottom line, this bank is totally inflexible. They brag on their home page: Telhio is more than a bank. It's a credit union. And when you're a member of Telhio, you own it. You reap the benefits. Wherever you are in life, we're here to help you grab every opportunity.

Total grap.  I have been a member for about 10  years and do not see the advantage to being a member.  I have other accounts with Chase and PNC and have no problems. I know when I make a deposit it will be there.  I hear Huntington is very forgiving.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Telhio Credit Union had $2.26 million in non-current loans and owned real-estate with $53.54 million in equity and loan loss allowances on hand to cover it. This gives Telhio Credit Union a Texas Ratio of 4.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Telhio Credit Union decreased slightly from 4.97% as of March 31, 2013 to 4.22% as of March 31, 2014, resulting in a positive change of 15.16%.This indicates that the balance sheet and financial strength for Telhio Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Telhio Credit Union has increased its total deposits by $15.28 million, resulting in 3.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Telhio Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Telhio Credit Union has $532.29 million in assets with $53.54 million in equity, resulting in a capitalization level of 10.06%, which is above average.

Institution Statistics

NCUA #62848
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$532.29 million
Loans$390.07 million
Deposits$440.16 million
Equity Capital$51.00 million
Loan Loss Allowance$2.54 million
Unbacked Noncurrent Loans$1.57 million
Real Estate Owned$689,000
Historic Data - March 2013
Assets$485.03 million
Equity Capital$48.98 million
Loan Loss Allowance$1.83 million
Unbacked Noncurrent Loans$1.57 million
Real Estate Owned$341,000
Profit Margin - Quarterly
Return on Assets0.17%
Return on Equity1.8%
Interest Income$4.67 million

Always verify rates and promotions with the bank or credit union. We are not Telhio Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Telhio Credit Union Savings Account Rates

1.15%$5k-High-Yield Savings Account - Qualifying
0.90%$7,500-Health Savings Account
0.05%$250-Business Share Savings
0.05%--Share Savings
0.05%--Holiday Club
0.05%--It's For Me

Telhio Credit Union Money Market Rates

0.50%$25k-Business Money Market Plus
0.45%$25k-Money Market Plus
0.20%$1k-Business Money Market
0.20%$1k-Money Market

Telhio Credit Union Checking Account Rates

1.15%$5k-High-yield Share Checking Account - Qualifying

Telhio Credit Union CD Rates

2.02%$30k-60 Month CD
1.61%$30k-48 Month CD
1.41%$100k-36 Month Jumbo CD Special
1.20%$30k-36 Month CD
1.10%$30k-24 Month CD
1.10%$15k-36 Month HSA CD
1.05%$15k-24 Month HSA CD
1.00%$15k-18 Month HSA CD
0.95%$30k-18 Month CD
0.80%$500-Business 60 Month CD
0.70%$500-Business 48 Month CD
0.60%$500-Business 36 Month CD
0.50%$500-Business 24 Month CD
0.50%$30k-12 Month CD
0.40%$500-Business 18 Month CD
0.40%$30k-9 Month CD
0.35%$30k-6 Month CD
0.30%$500-Business 12 Month CD
0.25%$30k-91 Day CD
0.20%$500-Business 6 Month CD
0.15%$500-Business 91 Day CD

Telhio Credit Union IRA Rates

2.02%$30k-60 Month IRA
1.61%$30k-48 Month IRA
1.20%$30k-36 Month IRA
1.10%$30k-24 Month IRA
0.95%$30k-18 Month IRA
0.50%$30k-12 Month IRA
0.40%$30k-9 Month IRA
0.35%$30k-6 Month IRA
0.25%$30k-91 Day IRA

Telhio Credit Union Locations
Branch Office96 N 4th StColumbus, OH 43215-3115
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