Dynamic Federal Credit Union

Overview / Commentary
900 E Wayne St
Celina, OH 45822

Dynamic Federal Credit Union is headquartered in CELINA and is the 100th largest credit union in the state of Ohio. It is also the 2,408th largest credit union in the nation. It was established in 1950 and as of December of 2019, it had grown to 14 employees and 5,502 members at 1 location. Dynamic Federal Credit Union's savings rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, worship, attend school or worship in, and businesses and other legal entities located in Mercer County in the state of Ohio.
See current membership details


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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. Dynamic Federal Credit Union has a low asset base.

Health Grade Components

NCUA #6747
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD2.38%
Return on Equity - YTD12.75%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$45.9MM$41.2MM
LoansQ4 2019vs Q4 2018$28.9MM$26.1MM
DepositsQ4 2019vs Q4 2018$37.2MM$33.7MM
Equity CapitalQ4 2019vs Q4 2018$8.5MM$7.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$131.00K$198.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$86.00K$96.00K
Real Estate OwnedQ4 2019vs Q4 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.

Dynamic Federal Credit Union Savings Account Rates

1.76%$5-Student Savings Account
0.65%*$20k*-Regular Savings Account
OTHER TIERS: 0.35% $100 - $5k | 0.45% $5k - $20k
0.65%*$20k*-Vacation Club Account
OTHER TIERS: 0.35% $100 - $5k | 0.45% $5k - $20k
0.65%*$20k*-Christmas Club Account
OTHER TIERS: 0.35% $100 - $5k | 0.45% $5k - $20k
0.65%*$20k*-Escrow Savings Account
OTHER TIERS: 0.35% $100 - $5k | 0.45% $5k - $20k

Dynamic Federal Credit Union Checking Account Rates

0.15%*$20k*-Regular Share Draft Account
OTHER TIERS: 0.00% $1k - $5k | 0.10% $5k - $20k
0.15%*$20k*-Second Checking Account
OTHER TIERS: 0.00% $1k - $5k | 0.10% $5k - $20k

Dynamic Federal Credit Union CD Rates

1.26%$500-24 Month Share Certificate
1.00%$500-18 Month Share Certificate
0.85%$500-12 Month Share Certificate
0.75%$500-6 Month Share Certificate

Dynamic Federal Credit Union Locations
Corporate Office900 E WAYNE STCELINA, OH 45822

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