Featured Savings Rates
Featured Accounts

Ohio Catholic Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%5-year CD60-71 Month Certificate
0.45%1-year CD12-17 Month Certificate
0.10%SavingsShare Savings Account

Overview / Commentary
216-663-6800
13623 Rockside Rd
Garfield Hts, OH 44125

Ohio Catholic Federal Credit Union is headquartered in Garfield Hts and is the 37th largest credit union in the state of Ohio. It is also the 1,173rd largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 53 employees and 13,743 members at 4 locations. Ohio Catholic Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Must be an employee, member or student of any Catholic Diocese in the state of Ohio
See current membership details

Reviews (1)

Great bank until you actually need help or have a dispute

I have been with the bank since I opened my first savings account as a child. I attended the Catholic grade school associated with the institution and my parents were members since enrolling my in kindergarten. My banking experience with Ohio Catholic was always enjoyable, as I grew up and opening a checking account with them as well for automatic deposits as I began working in high school. It was nice having a small bank where people recognized you and knew you by name. A lot of parents whose children I attended school with also worked there and were always excited to see me. It was a personal experience, which I enjoyed. The real issue began when I moved away for college. It wasn't easy to access my money since they are a same bank and had limited free ATMs in the Columbus area. Then, one day my landlord cashed my rental check extremely late without my knowledge. The same day, a Saturday, I went shopping at the mall and made six different purchases using my debit card with Ohio Catholic. While I had nearly $10,000+ in my savings (for school), my checking was drained by the rental check and all six purchases at the mall caused Ohio Catholic to charge me SIX overdraft fees. SIX! Totaling $180 in fees. For under $100 in purchases. I was furious, especially since I thought I had my debit card set to get declined when I was out of money. And, all they had to do was transfer money from my savings to checking. It wasn't like I didn't have the money. If anything, it should have been a one-time fee for $30, not six separate charges. The worst part is- NO ONE at this "small, family, religious-oriented" bank bothered to call me on Monday to let me know I over withdrew my account... Luckily I check my banking online regularly and saw it myself. In fact, no one contacted me all week. So, I would've kept racking up overdraft charges. When I went home to Cleveland and sat down to talk with a banking representative high up in the company, a parent I knew since I was five years old, I was told there was nothing they could do to reverse the fees. I had been with them for 15+ years, had loans for school through them, my parents have been with them for 25+ years and financed school tuition, a mortgage, three cars, a camper, and a boat through them. And there was nothing they could do- not even refund me for a couple of the six charges at $30 a piece. I was furious! Here is a bank I stick with thinking it is all about caring for their clients and a loyal one, a college student, can't even get their help. On top of that, apparently I had to "sign off" on canceling their "overdraft protection" in order to get my card declined instead... a notice I never received. The overdraft protect, i.e. money maker for them, is automatically applied to your account. While I still have accounts open with them for the convenience now that I am back in Cleveland, I certainly will never take out any loans or credit cards through them and look forward to opening new accounts with a new bank soon.



Health
A+

Health Grade Components

Overall
NCUA #9208
Year Chartered1954
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD7.06%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$163.8MM$150.9MM
LoansQ1 2017vs Q1 2016$117.8MM$110.1MM
DepositsQ1 2017vs Q1 2016$141.6MM$131.4MM
Equity CapitalQ1 2017vs Q1 2016$19.3MM$17.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$900.00K$1.2MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$279.00K$1.2MM
Real Estate OwnedQ1 2017vs Q1 2016$64.00K$156.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ohio Catholic Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$25k*-Share Savings Account
OTHER TIERS: 0.05% $100 - $25k
0.10%$100-Vacation Club Account
0.10%$100-Christmas Club Account
0.10%$100-IRA Savings Account

Ohio Catholic Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$25k*-Money Market Accounts
OTHER TIERS: 0.05% $1k - $25k

Ohio Catholic Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$500-Share Draft Account

Ohio Catholic Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$100k*-84 Month Certificate
OTHER TIERS: 1.65% $500 - $25k | 2.00% $25k - $100k
2.25%*$100k*-72 Month Certificate
OTHER TIERS: 1.55% $500 - $25k | 1.85% $25k - $100k
2.00%*$100k*-60-71 Month Certificate
OTHER TIERS: 1.50% $500 - $25k | 1.75% $25k - $100k
1.65%*$100k*-48-59 Month Certificate
OTHER TIERS: 1.45% $500 - $25k | 1.50% $25k - $100k
1.40%*$100k*-36-47 Month Certificate
OTHER TIERS: 1.00% $500 - $25k | 1.25% $25k - $100k
0.75%*$100k*-24-35 Month Certificate
OTHER TIERS: 0.60% $500 - $25k | 0.65% $25k - $100k
0.55%*$100k*-18-23 Month Certificate
OTHER TIERS: 0.45% $500 - $25k | 0.50% $25k - $100k
0.45%*$100k*-12-17 Month Certificate
OTHER TIERS: 0.35% $500 - $25k | 0.40% $25k - $100k
0.30%*$100k*-6-11 Month Share Certificate
OTHER TIERS: 0.20% $500 - $25k | 0.25% $25k - $100k
0.15%$500-3-5 Month Share Certificate

Ohio Catholic Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$100k*-84 Month IRA Certificate
OTHER TIERS: 1.65% $500 - $25k | 2.00% $25k - $100k
2.25%*$100k*-72 Month IRA Certificate
OTHER TIERS: 1.55% $500 - $25k | 1.85% $25k - $100k
2.00%*$100k*-60-71 Month IRA Certificate
OTHER TIERS: 1.50% $500 - $25k | 1.75% $25k - $100k
1.65%*$100k*-48-59 Month IRA Certificate
OTHER TIERS: 1.45% $500 - $25k | 1.50% $25k - $100k
1.40%*$100k*-36-47 Month IRA Certificate
OTHER TIERS: 1.00% $500 - $25k | 1.25% $25k - $100k
0.75%*$100k*-24-35 Month IRA Certificate
OTHER TIERS: 0.60% $500 - $25k | 0.65% $25k - $100k
0.55%*$100k*-18-23 Month IRA Certificate
OTHER TIERS: 0.45% $500 - $25k | 0.50% $25k - $100k
0.45%*$100k*-12-17 Month IRA Certificate
OTHER TIERS: 0.35% $500 - $25k | 0.40% $25k - $100k
Locations


Ohio Catholic Federal Credit Union Locations
Branch Office8600 Alexandria DrMacedonia, OH 44056
Branch Office13623 Rockside RdGarfield Hts, OH 44125-5173
Branch Office5600 Wallings RdNorth Royalton, OH 44133
Branch Office1762 Brown StAkron, OH 44301-3145