Directions Credit Union

Overview / Commentary
200 N Saint Clair St Ste 1600
Toledo, OH 43604

Directions Credit Union is headquartered in Toledo and is the 8th largest credit union in the state of Ohio. It is also the 376th largest credit union in the nation. It was established in 1953 and as of December of 2022, it had grown to 295 employees and 95,624 members at 24 locations. Directions Credit Union's CD rates are 73% higher than the national average, and it has a B+ 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

Reviews (3)

Directions Credit Union provides great service.

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.

This bank is alright.

Posted by: |

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.

Directions Credit Union offers more

Posted by: |

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.


Health Grade Components

NCUA #60978
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD11.44%
Annual Interest Income$38.1MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$1.18B$1.16B
LoansQ4 2022vs Q4 2021$963.5MM$775.9MM
DepositsQ4 2022vs Q4 2021$1.05B$1.05B
Equity CapitalQ4 2022vs Q4 2021$104.4MM$99.1MM
Loan Loss AllowanceQ4 2022vs Q4 2021$4.8MM$4.4MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$922.00K$942.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$38.00K
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Always verify rates and promotions with the bank or credit union. We are not Directions Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.40%$5-IRA Share Savings
0.10%$25-Primary Share Savings
0.10%$25-Youth Goal Savings
0.10%$25-Holiday Club
0.10%$25-Business Primary Share Savings

Directions Credit Union Money Market Rates

0.55%*$100k*-Money Management Account
OTHER TIERS: 0.30% $2.5k - $25k | 0.35% $25k - $50k | 0.40% $50k - $75k | 0.45% $75k - $100k
0.30%*$100k*-Business Money Management Account
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $75k | 0.25% $75k - $100k

Directions Credit Union Checking Account Rates

0.30%*$75k*-Investment Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k
0.10%$5k-Business Checking
0.05%$2.5k-Basic Advantage Checking

Directions Credit Union CD Rates

4.33%$1k-27 Month Share Certificate Special
4.33%$1k-Business 27 Month Share Certificate Special
4.07%$500-18 Month Share Certificate
4.07%$500-Business 18 Month Share Certificate
2.48%$1k-31 Month Share Certificate Special
2.48%$1k-Business 31 Month Share Certificate Special
2.32%$500-60 Month Share Certificate
2.32%$500-Business 60 Month Share Certificate
2.12%$500-48 Month Share Certificate
2.12%$500-Business 48 Month Share Certificate
1.92%$500-36 Month Share Certificate
1.92%$500-Business 36 Month Share Certificate
1.81%$500-30 Month Share Certificate
1.81%$500-Business 30 Month Share Certificate
1.76%$100-24 Month Youth Share Certificate
1.76%$500-24 Month Share Certificate
1.76%$500-Business 24 Month Share Certificate
1.56%$100-12 Month Youth Share Certificate
1.56%$500-12 Month Share Certificate
1.56%$500-Business 12 Month Share Certificate
0.65%$500-6 Month Share Certificate
0.65%$500-Business 6 Month Share Certificate
0.45%$500-3 Month Share Certificate
0.45%$500-Business 3 Month Share Certificate


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