Freedom 1st Credit Union

Overview / Commentary
1645 Webster St
Dayton, OH 45404

Freedom 1st Credit Union is headquartered in Dayton and is the 113th largest credit union in the state of Ohio. It is also the 2,581st largest credit union in the nation. It was established in 1961 and as of March of 2020, it had grown to 14 employees and 7,009 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.
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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 - YTD0.37%
Return on Equity - YTD3.64%
Annual Interest Income$354.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$40.3MM$38.4MM
LoansQ1 2020vs Q1 2019$24.1MM$23.2MM
DepositsQ1 2020vs Q1 2019$35.8MM$34.3MM
Equity CapitalQ1 2020vs Q1 2019$4.0MM$3.6MM
Loan Loss AllowanceQ1 2020vs Q1 2019$79.00K$66.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$202.00K$247.00K
Real Estate OwnedQ1 2020vs Q1 2019$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.

Freedom 1st Credit Union Savings Account Rates

0.25%--IRA Share Account
0.05%$100-Regular Share Savings Account
0.05%--Christmas Club Savings Account

Freedom 1st Credit Union Money Market Rates

0.35%*$10k*-Money Plus Checking Account
OTHER TIERS: 0.20% $1k - $10k

Freedom 1st Credit Union CD Rates

0.55%--36 Month Share Certificate
0.45%--24 Month Share Certificate
0.35%--18 Month Share Certificate
0.25%--12 Month Share Certificate
0.15%--6 Month Share Certificate

Freedom 1st Credit Union IRA Rates

0.55%--36 Month IRA Share Certificate
0.45%--24 Month IRA Share Certificate
0.35%--18 Month IRA Share Certificate
0.25%--12 Month IRA Share Certificate
0.15%--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

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