Directions Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.20%	5-year CD	60 Month Share Certificate 3.00% - Barclays 60 Month Online CD
0.90%	1-year CD	12 Month Share Certificate 2.40% - Ally Bank High Yield 12-Month CD
0.10%	Savings	Primary Share Savings 1.75% - American Express National Bank High Yield Savings Account

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 8^th largest credit union in the state of Ohio. It is also the 400^th largest credit union in the nation. It was established in 1953 and as of March of 2018, it had grown to 278 employees and 85,992 members at 19 locations. Directions Credit Union's savings rates are 2X 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

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.

Comment

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.

Comment

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.

Comment

1

Health

A

Data as of Q1 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	60978
Year Chartered	1953
Employees	278
Primary Regulator

Profit Margin
Return on Assets - YTD	0.65%
Return on Equity - YTD	8.25%
Annual Interest Income	$6.1MM

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$744.8MM$705.3MM
Loans	Q1 2018vs Q1 2017	$608.2MM$587.3MM
Deposits	Q1 2018vs Q1 2017	$676.0MM$638.4MM
Equity Capital	Q1 2018vs Q1 2017	$57.9MM$56.0MM
Loan Loss Allowance	Q1 2018vs Q1 2017	$2.5MM$3.1MM
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$1.5MM$1.4MM
Real Estate Owned	Q1 2018vs Q1 2017	$45.00K$381.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$100k^*	-	Premier Savings Account
OTHER TIERS: 0.90% → $50k - $100k
1.10%^*	$100k^*	-	Business Premier Savings Account
OTHER TIERS: 0.90% → $50k - $100k
0.20%	$25	-	My Life Youth Goal Savings
0.15%	-	-	IRA Share 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

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$100k^*	-	Money Management Account
OTHER TIERS: 0.30% → $2,500 - $25k \| 0.35% → $25k - $50k \| 0.45% → $50k - $75k \| 0.50% → $75k - $100k
0.55%^*	$100k^*	-	Business Money Management Account
OTHER TIERS: 0.30% → $2,500 - $25k \| 0.35% → $25k - $50k \| 0.45% → $50k - $75k \| 0.50% → $75k - $100k

Directions Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.33%^*	$75k^*	-	Investment Checking
OTHER TIERS: 0.13% → Up to $10k \| 0.15% → $10k - $25k \| 0.23% → $25k - $50k \| 0.27% → $50k - $75k
0.23%^*	$25k^*	-	Business Checking
OTHER TIERS: 0.15% → $5k - $25k
0.10%	$2.5k	-	Basic Advantage Checking
0.05%	-	-	e-Checking Account

Directions Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.20%	$500	-	60 Month Share Certificate
2.20%	$500	-	Business 60 Month Share Certificate
1.65%	$500	-	48 Month Share Certificate
1.65%	$500	-	Business 48 Month Share Certificate
1.40%	$500	-	36 Month Share Certificate
1.40%	$500	-	Business 36 Month Share Certificate
1.35%	$100	-	24 Month MyLife Youth Share Certificate
1.35%	$500	-	30 Month Share Certificate
1.35%	$500	-	Business 30 Month Share Certificate
1.25%	$500	-	24 Month Share Certificate
1.25%	$500	-	Business 24 Month Share Certificate
1.10%	$500	-	18 Month Share Certificate
1.10%	$500	-	Business 18 Month Share Certificate
0.95%	$100	-	12 Month MyLife Youth Share Certificate
0.90%	$500	-	12 Month Share Certificate
0.90%	$500	-	Business 12 Month Share Certificate
0.30%	$500	-	6 Month Share Certificate
0.30%	$500	-	Business 6 Month Share Certificate
0.10%	$500	-	3 Month Share Certificate
0.10%	$500	-	Business 3 Month Share Certificate

Directions Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.20%	$500	-	60 Month IRA Certificate
1.65%	$500	-	48 Month IRA Certificate
1.40%	$500	-	36 Month IRA Certificate
1.35%	$500	-	30 Month IRA Certificate
1.25%	$500	-	24 Month IRA Certificate
1.10%	$500	-	18 Month IRA Certificate
0.90%	$500	-	12 Month IRA Certificate

Locations

Availability

Toledo Area

Toledo Area bank & credit union details

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