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Directions Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
directionscu.org
419-841-9838
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 358th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 290 employees and 94,140 members at 23 locations. Directions Credit Union's savings rates are 7X 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, 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 (1)

Do Not Join This Sinking Ship!

Posted by: |

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.

4


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #60978
Year Chartered1953
Employees290
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4.18%
Annual Interest Income$16MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.35B$1.25B
LoansQ1 2025vs Q1 2024$1.06B$993.1MM
DepositsQ1 2025vs Q1 2024$1.16B$1.06B
Equity CapitalQ1 2025vs Q1 2024$122.1MM$112.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.7MM$4.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.5MM$2.3MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%*$250k*-High Yield Savings
OTHER TIERS: 0.05% → $0 - $25k | 2.79% → $25k - $50k | 3.04% → $50k - $75k | 3.30% → $75k - $100k | 3.46% → $100k - $250k
0.50%*$10k*-Health Savings (HSA)
OTHER TIERS: 0.25% → $0 - $5k | 0.30% → $5k - $10k
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.82%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$50k-Business Premier Plus Checking
0.30%*$75k*-Investment Checking
OTHER TIERS: 0.10% → $0 - $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$500-3 Month Share Certificate
4.07%$500-Business 3 Month Share Certificate
4.07%$1k-19 Month Share Certificate Special - New Money
4.07%$1k-Business 19 Month Share Certificate Special - New Money
3.97%$500-6 Month Share Certificate
3.97%$500-Business 6 Month Share Certificate
3.87%$100-12 Month Youth Share Certificate
3.87%$500-12 Month Share Certificate
3.87%$500-Business 12 Month Share Certificate
3.76%$500-18 Month Share Certificate
3.76%$500-Business 18 Month Share Certificate
3.66%$100-24 Month Youth Share Certificate
3.66%$500-24 Month Share Certificate
3.66%$500-Business 24 Month Share Certificate
3.56%$500-30 Month Share Certificate
3.56%$500-Business 30 Month Share Certificate
3.45%$500-36 Month Share Certificate
3.45%$500-Business 36 Month Share Certificate
3.35%$500-48 Month Share Certificate
3.35%$500-Business 48 Month Share Certificate
3.25%$500-60 Month Share Certificate
3.25%$500-Business 60 Month Share Certificate

Directions Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.32%$500-60 Month IRA Certificate
2.12%$500-48 Month IRA Certificate
1.92%$500-36 Month IRA Certificate
1.81%$500-30 Month IRA Certificate
1.76%$500-24 Month IRA Certificate
1.66%$500-18 Month IRA Certificate
1.56%$500-12 Month IRA Certificate
0.40%$25-IRA Share Savings
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