Freedom 1st Credit Union

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

Freedom 1st Credit Union is headquartered in Dayton and is the 114th largest credit union in the state of Ohio. It is also the 2,615th largest credit union in the nation. It was established in 1961 and as of June of 2019, it had grown to 12 employees and 6,876 members at 3 locations. Freedom 1st Credit Union's CD rates are 2X the national average, and it 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 - YTD0.88%
Return on Equity - YTD9.17%
Annual Interest Income$674.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$38.1MM$36.9MM
LoansQ2 2019vs Q2 2018$23.8MM$23.2MM
DepositsQ2 2019vs Q2 2018$33.9MM$32.9MM
Equity CapitalQ2 2019vs Q2 2018$3.7MM$3.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$67.00K$66.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$285.00K$300.00K
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.

Freedom 1st Credit Union Savings Account Rates

0.25%--IRA Share Account
0.10%$100-Regular Share Savings Account
0.10%--Christmas Club Savings Account

Freedom 1st Credit Union Money Market Rates

0.50%*$10k*-Money Plus Checking Account
OTHER TIERS: 0.35% $1k - $10k

Freedom 1st Credit Union CD Rates

2.63%--36 Month Share Certificate
2.43%--24 Month Share Certificate
2.27%--18 Month Share Certificate
2.02%--12 Month Share Certificate
1.71%--6 Month Share Certificate

Freedom 1st Credit Union IRA Rates

2.63%--36 Month IRA Share Certificate
2.43%--24 Month IRA Share Certificate
2.27%--18 Month IRA Share Certificate
2.02%--12 Month IRA Share Certificate
1.71%--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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