2. Directions Credit Union

Directions Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.75%1-year CD
1.30% - National Average
2.90%18-month CD
2.60% - American Express National Bank 18 Month CDAdvertisement
3.00%5-year CD
3.10% - American Express National Bank 60 Month CDAdvertisement
View all Directions Credit Union rates »

Overview / Commentary
www.directionscu.org
419-841-9838
5121 Whiteford Rd
Sylvania, OH 43560

Directions Credit Union is headquartered in Sylvania and is the 7th largest credit union in the state of Ohio. It is also the 358th largest credit union in the nation. It was established in 1953 and as of September of 2018, it had grown to 294 employees and 103,877 members at 19 locations. Directions Credit Union's savings rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Directions Credit Union is open to those who live, work, attend school, worship, or volunteer in Ashland, Crawford, Fulton, Huron, Knox, Lucas, Richland, Tuscarawas, Wayne, and Wood Counties in Ohio, Monroe County in Michigan.
See current membership details

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Reviews (3)

Directions Credit Union provides great service.

Posted by: mauramullen | Apr 3, 2018

I have been a member of this credit union for more than 25 years. I have all of my accounts with this credit union. Employees at all locations are always courteous and friendly. The employees at the Ashland Road Madison location always seem to go above and beyond to assist. Anytime I visit this location, there is never a wait, and everything is easy to get done. If ever I have a problem with my account, I call this location, and I am certain to get assistance. I have a checking and a savings account, along with many other accounts. The checking account has no fees since I use direct deposit. If I should happen to overdraft, there is a slight fee to transfer money from my savings to checking so I don't have anything returned for insufficient funds. I will continue to do business with this credit union, and I do not see any reason to ever change accounts.

1

This bank is alright.

Posted by: EldiW | Oct 13, 2014

I have belonged to this bank since 1985. Through the years i have held a checking, savings,auto loans and a home equity. They offer online banking but I have found that since they switched over to the new computer system their have been glitches monthly. Most of the employees are very nice and accommodating except for one young man who I always seem to get whenever I call. The rates are competitive and the locations are many.

1

Directions Credit Union offers more

Posted by: Jensaser | Feb 12, 2018

I love my credit union. I feel like they care more than a normal bank. At one time, you had to live in a certain area or work in a certain area to be a member of a credit union. This is no longer the case. I sort of miss this. I think allowing anyone to join, makes it more like a normal bank. However, I do feel that I get more personalized service. When I need a loan, I contact one person and they can handle it for me. The fees are very reasonable, and they are all so easy to work with. My checking account does not charge any fees since I have direct deposit. My credit union has a number of branches in the area so it is never a problem to find one. I do feel like the website and app could be better. Although, I can't really offer any valuable tips.

1


Health
A

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #60978
Year Chartered1953
Employees294
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD6.28%
Annual Interest Income$20.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$848.6MM$724.2MM
LoansQ3 2018vs Q3 2017$701.9MM$616.9MM
DepositsQ3 2018vs Q3 2017$757.2MM$641.3MM
Equity CapitalQ3 2018vs Q3 2017$83.3MM$57.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$5.3MM$3.0MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$3.0MM$1.7MM
Real Estate OwnedQ3 2018vs Q3 2017$374.00K$347.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Directions Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-Premier Savings
OTHER TIERS: 1.25% → $50k - $100k
1.50%*$100k*-Business Premier Savings Account
OTHER TIERS: 1.25% → $50k - $100k
0.25%$5-IRA Share Savings
0.20%$25-Youth Goal Savings
0.10%$25-Primary Share Savings
0.10%$25-Holiday Club
0.10%$25-Business Primary Share Savings

Directions Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$100k*-Money Management Account
OTHER TIERS: 0.50% → $2.5k - $25k | 0.60% → $25k - $50k | 0.70% → $50k - $75k | 0.75% → $75k - $100k
0.80%*$100k*-Business Money Management Account
OTHER TIERS: 0.50% → $2.5k - $25k | 0.60% → $25k - $50k | 0.70% → $50k - $75k | 0.75% → $75k - $100k

Directions Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$75k*-Investment Checking
OTHER TIERS: 0.18% → Up to $10k | 0.20% → $10k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $75k
0.35%*$25k*-Business Checking
OTHER TIERS: 0.25% → $5k - $25k
0.15%$2.5k-Basic Advantage Checking
0.05%$1-e-Checking

Directions Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-60 Month Share Certificate
3.00%$500-Business 60 Month Share Certificate
2.90%$1k-19 Month Share Certificate Special
2.90%$1k-Business 19 Month Share Certificate Special
2.75%$500-48 Month Share Certificate
2.75%$500-Business 48 Month Share Certificate
2.75%$1k-14 Month Share Certificate Special
2.75%$1k-Business 14 Month CD Special
2.50%$500-36 Month Share Certificate
2.50%$500-Business 36 Month Share Certificate
2.25%$500-30 Month Share Certificate
2.25%$500-Business 30 Month Share Certificate
2.20%$500-24 Month Share Certificate
2.20%$500-Business 24 Month Share Certificate
2.10%$100-24 Month Youth Share Certificate
2.05%$500-18 Month Share Certificate
2.05%$500-Business 18 Month Share Certificate
1.90%$500-12 Month Share Certificate
1.90%$500-Business 12 Month Share Certificate
1.75%$100-12 Month Youth Share Certificate
1.50%$500-6 Month Share Certificate
1.50%$500-Business 6 Month Share Certificate
0.75%$500-3 Month Share Certificate
0.75%$500-Business 3 Month Share Certificate
Locations

Availability

Cleveland Area

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