Featured Savings Rates
Featured Accounts

Freedom 1st Credit Union

Popular Accounts at this Credit Union

0.90%1-year CD12 Month Share Certificate
0.10%SavingsRegular Share Savings Account
1.51%3-year CD36 Month Share Certificate

Overview / Commentary
1645 Webster St
Dayton, OH 45404-1135

Freedom 1st Credit Union is headquartered in Dayton and is the 118th largest credit union in the state of Ohio. It is also the 2,707th largest credit union in the nation. It was established in 1961 and as of December of 2017, it had grown to 13 employees and 6,319 members at 3 locations. Freedom 1st Credit Union has a B health rating.

Field of Membership Restrictions

Freedom 1st Credit Union of Ohio is open to the residents of Northern Montgomery and Preble County or the employees of the credit union affiliated select employer groups.
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. Freedom 1st Credit Union has a low asset base.

Health Grade Components

NCUA #61001
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.09%
Return on Equity - YTD1%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$34.7MM$33.3MM
LoansQ4 2017vs Q4 2016$21.5MM$20.1MM
DepositsQ4 2017vs Q4 2016$31.0MM$29.9MM
Equity CapitalQ4 2017vs Q4 2016$3.2MM$3.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$56.00K$62.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$253.00K$163.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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Freedom 1st Credit Union Savings Account Rates

0.25%--IRA Share Account
0.10%--Regular Share Savings Account
0.10%--Christmas Club Savings Account

Freedom 1st Credit Union Money Market Rates

0.25%*$10k*-Money Plus Checking Account
OTHER TIERS: 0.15% $1k - $10k

Freedom 1st Credit Union CD Rates

1.51%--36 Month Share Certificate
1.31%--24 Month Share Certificate
1.21%--18 Month Share Certificate
0.90%--12 Month Share Certificate
0.60%--6 Month Share Certificate

Freedom 1st Credit Union IRA Rates

1.51%--36 Month IRA Share Certificate
1.31%--24 Month IRA Share Certificate
1.21%--18 Month IRA Share Certificate
0.90%--12 Month IRA Share Certificate
0.60%--6 Month IRA Share Certificate

Freedom 1st Credit Union Locations
Branch Office205 N Barron StEaton, OH 45320-1703
Branch Office1645 Webster StDayton, OH 45404-1135
Branch Office2459 State Route 732 WEaton, OH 45320-9517