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 379th largest credit union in the nation. It was established in 1953 and as of December of 2023, it had grown to 290 employees and 95,334 members at 22 locations. Directions Credit Union's savings rates are 8X 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, worship, or attend school, volunteer in the Ohio counties of Ashland, Crawford, Fulton, Huron, Knox, Lucas, Richland, Tuscarawas, Wayne, or Wood, or the Michigan counties of Lenawee or Monroe.
See current membership details

Reviews (4)

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.

Do Not Join This Sinking Ship!

Thier online banking is a joke. Takes 3 to 5 days to transfer money, literally quicker to mail a paper check.... i scheduled a transfer to pay my credit balance, checked 2 days later, nothing. Figured they dropped the transfer. Made another transfer and the next day it was there. Then 2 days after that the other transfer showed up, overdrafting my account at my other bank. I called them and the said it would take another 3 days to transfer it back, racking up overdraft fees. I can't trust this bank and can not rely on them. They're a joke.

They lost an equity payment in December and called me acting like I never paid it. I said i paid it 2 fridays ago and they said "oh...well....sometimes tranfers get dropped if made on fridays"... seriously!? Amateurs!

I've called about these issues and the responses from a dozen different people were "umm" "that's wierd" and "I don't know." I was bounced around back and forth by people just trying to pass the buck. I eventually went in to talk to a manager and they said they don't do instant transfer because they don't want to pay the fees. They did 50 million in revenue last year..... so profits are more important than the customer here. Also, when I handed my phone to the manager to show him what the app displayed he opened my "open apps" menu and went into my personal stuff while trying to open a web browser. Why didn't he just do that on his own computer instead of going through my personal stuff right in front of me?

If you can't do instant tranfer in the banking industry you are Blockbuster Video. DO NOT BOARD THIS SINKING SHIP!!. You CAN NOT rely on them. You CAN NOT trust them. They DO NOT keep their word and DON'T CARE that thier failures screw you out of money. I'm currently working on transferring everything I have with them to a real, actual, functioning bank.


Health Grade Components

NCUA #60978
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.78%
Annual Interest Income$49.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.21B$1.18B
LoansQ4 2023vs Q4 2022$1B$963.5MM
DepositsQ4 2023vs Q4 2022$1.02B$1.05B
Equity CapitalQ4 2023vs Q4 2022$110.1MM$104.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$4.1MM$4.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.5MM$922K
Real Estate OwnedQ4 2023vs Q4 2022$0$90K
Report an Issue

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

4.07%*$250k*-High Yield Savings
OTHER TIERS: 0.30% Up to $25k | 3.30% $25k - $50k | 3.56% $50k - $75k | 3.82% $75k - $100k | 3.97% $100k - $250k
0.50%*$10k*-Health Savings (HSA)
OTHER TIERS: 0.25% Any amount | 0.30% $5k - $10k
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
0.10%$25-Business Other Share Account

Directions Credit Union Money Market Rates

4.33%*$100k*-Business Money Market
OTHER TIERS: 0.35% $2.5k - $50k | 1.51% $50k - $100k
0.85%*$100k*-Money Management Account
OTHER TIERS: 0.30% $2.5k - $25k | 0.35% $25k - $50k | 0.40% $50k - $75k | 0.65% $75k - $100k

Directions Credit Union Checking Account Rates

2.27%$50k-Business Premier Plus Checking
0.30%*$75k*-Investment Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k
0.05%$2.5k-Basic Advantage Checking

Directions Credit Union CD Rates

4.91%$500-11 Month Share Certificate Special - New Money
4.91%$500-Business 11 Month Share Certificate Special - New Money
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
1.66%$500-18 Month Share Certificate
1.66%$500-Business 18 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


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.