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Ohio's First Class Credit Union

Popular Accounts at this Credit Union

1.60%5-year CD60 Month CD
0.50%1-year CD12 Month CD
0.15%Savingsā€œJā€ Second Savings

Overview / Commentary
1800 Carnegie Ave
Cleveland, OH 44115

Ohio's First Class Credit Union is headquartered in Cleveland and is the 106th largest credit union in the state of Ohio. It is also the 2,497th largest credit union in the nation. It was established in 1932 and as of September of 2017, it had grown to 20 employees and 10,313 members at 2 locations. Ohio's First Class Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Cuyahoga County in Ohio. Membership is also open to employees of the U.S. Postal Service in the northern district of Ohio, federal employees in Lorain County, Cuyahoga County Government , Cleveland MetroParks, Northeast Ohio Regional Sewer District , Cleveland Thermal Energy, City of Lakewood, City of Bay Village, City of Fairview Park, Metro General Hospital, Greyhound Lines, Lakewood Hospital, Lossman Motors, Chicago Title, Surety Title.
See current membership details

Reviews (1)

Member Since 1989

Ive been around since this credit union was the county cu,,ive noticed how ive been discriminated against, now why would i say that,,simply because ,i was told by a worker if your having a problem just call,,well i had to make that call,,mz ramonia told me flat out ,,we wont do it for you!!
I have over 100 overdraft fees because my deposit will hit but if i have transactions pending they will send them all into return statue, charging me 30 per item, ive been totally humiliated,for the laat time ,,,all these years i hate to say good by,but enough already,,im on a fixed income,you kickied me literally while i was down,battling cancer,,the unnecessary stress encountered by the CU,has me opposed,,the audacity,of you Ramonia

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. Ohio's First Class Credit Union has a low asset base.

Health Grade Components

NCUA #96682
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD1.53%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$42.7MM$40.5MM
LoansQ3 2017vs Q3 2016$32.1MM$27.6MM
DepositsQ3 2017vs Q3 2016$35.6MM$33.8MM
Equity CapitalQ3 2017vs Q3 2016$6.5MM$6.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$256.00K$231.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$599.00K$351.00K
Real Estate OwnedQ3 2017vs Q3 2016$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.

Ohio's First Class Credit Union Savings Account Rates

0.15%$300-Regular Savings
0.15%$300-ā€œJā€ Second Savings

Ohio's First Class Credit Union Money Market Rates

0.50%*$50k*-Money Market Account
OTHER TIERS: 0.25% $5k - $25k | 0.35% $25k - $50k

Ohio's First Class Credit Union CD Rates

2.50%$2,500-60 Month CD Special - New Money
1.60%$500-60 Month CD
1.50%$2,500-30 Month CD Special - New Money
1.25%$500-48 Month CD
1.00%$500-36 Month CD
0.75%$500-24 Month CD
0.50%$500-12 Month CD

Ohio's First Class Credit Union Locations
Branch Office345 E Bridge StElyria, OH 44035
Branch Office1800 Carnegie AveCleveland, OH 44115