DOY Federal Credit Union

Overview / Commentary
1500 Gypsy Ln
Youngstown, OH 44505-1832

DOY Federal Credit Union is headquartered in Youngstown and is the 96th largest credit union in the state of Ohio. It is also the 2,302nd largest credit union in the nation. It was established in 1971 and as of June of 2019, it had grown to 2 employees and 3,051 members at 1 location. DOY Federal Credit Union's savings rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to employees of any Diocesan agency, parishioners in the Diocese of Youngstown, employees of St. Elizabeth Medical Center, and other select groups.
See current membership details

Reviews (1)

Safe, Friendly Credit Union

DOY has been instrumental to my retirement funding over the years. I began saving with this union in 2003, and have not once felt that my money was not secured. I had initial concerns due to hearing several negative things about credit unions, but DOY is federally insured and treats its operations as if it were a national banking institution. The building has private offices where all financial matters are conducted, and offers drive-through options for quick banking. There is no mobile feature as far as I am aware, but I live close enough to the physical building that I prefer to finance in-person. The atmosphere at DOY is extraordinarily friendly, and each banker knows me by name. It is quite comforting to know that my finances are in good hands.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. DOY Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #20661
Year Chartered1971
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD4.05%
Annual Interest Income$800.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$51.7MM$49.4MM
LoansQ2 2019vs Q2 2018$19.8MM$19.9MM
DepositsQ2 2019vs Q2 2018$43.4MM$41.4MM
Equity CapitalQ2 2019vs Q2 2018$8.1MM$7.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$43.00K$41.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$63.00K$0
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

DOY Federal Credit Union Savings Account Rates

2.07%*$20k*-DOY Savings Account
OTHER TIERS: 1.26% $200 - $1k | 1.56% $1k - $5k | 1.66% $5k - $10k | 1.87% $10k - $20k
0.12%*$10k*-Institutional Account
OTHER TIERS: 0.09% $500 - $5k | 0.10% $5k - $10k

DOY Federal Credit Union Checking Account Rates

1.56%--DOY Checking Account

DOY Federal Credit Union Locations
Branch Office1500 Gypsy LnYoungstown, OH 44505-1832

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