Overview / Commentary
5120 College Corner Pike
Oxford, OH 45056

Miami University Community Federal Credit Union is headquartered in Oxford and is the 86th largest credit union in the state of Ohio. It is also the 2,071st largest credit union in the nation. It was established in 1969 and as of September of 2018, it had grown to 13 employees and 5,711 members at 4 locations. Miami University Community Federal Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Butler County.
See current membership details

Reviews (1)

University Credit Union

Posted by: AV | May 9, 2014

When I moved to Miami as a young college student, I had to set up a new banking account as a way to pay bills and deposit checks. I ended up going with UCU and could not have been more pleased. I kept my bank account open for several after I graduated, until I moved away. It is a smaller credit union with great staff and even better interest rates. Their online banking is simple and easy. Not only is there a location on campus, there are also 2 other locations within 10 miles and a handful of ATMs throughout the community.

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. Miami University Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #19678
Year Chartered1969
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD4.95%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$63.5MM$62.0MM
LoansQ3 2018vs Q3 2017$34.3MM$33.1MM
DepositsQ3 2018vs Q3 2017$56.7MM$55.5MM
Equity CapitalQ3 2018vs Q3 2017$6.6MM$6.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$200.00K$173.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$77.00K$80.00K
Real Estate OwnedQ3 2018vs Q3 2017$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.

Miami University Community Federal Credit Union Savings Account Rates

0.50%--Silver Hawk Savings
0.50%--IRA Savings
0.30%-$5kKiddie Hawk Savings
0.20%--Christmas Club Savings
0.20%--Holiday Savings
0.10%$5-Regular Savings
0.10%--Special Savings

Miami University Community Federal Credit Union Money Market Rates

0.60%*$75k*-Money Market Account
OTHER TIERS: 0.40% $5k - $25k | 0.50% $25k - $50k | 0.55% $50k - $75k

Miami University Community Federal Credit Union CD Rates

3.10%$500-60 Month CD
2.80%$500-48 Month CD
2.60%$500-36 Month CD
2.50%$500-30 Month CD
2.45%$500-24 Month CD
2.40%$500-18 Month CD Special
2.35%$500-12 Month CD Special
1.70%$500-6 Month CD
1.10%$500-3 Month CD

Miami University Community Federal Credit Union IRA Rates

3.10%$500-60 Month IRA
2.80%$500-48 Month IRA
2.60%$500-36 Month IRA
2.50%$500-30 Month IRA
2.45%$500-24 Month IRA
2.40%$500-18 Month IRA Special
2.35%$500-12 Month IRA Special
1.70%$500-6 Month IRA
1.10%$500-3 Month IRA

Miami University Community Federal Credit Union Locations
Branch Office5120 College Corner PikeOxford, OH 45056
Branch Office1601 University BlvdHamilton, OH 45011-3316
Branch Office420 Wells Mills DrOxford, OH 45056
Branch Office4200 N University BlvdMiddletown, OH 45042-3458

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