OUCU Financial Credit Union

Overview / Commentary
944 E State St
Athens, OH 45701

OUCU Financial Credit Union is headquartered in Athens and is the 19th largest credit union in the state of Ohio. It is also the 744th largest credit union in the nation. It was established in 1955 and as of March of 2024, it had grown to 109 employees and 26,267 members at 4 locations. OUCU Financial Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

OUCU Financial Credit Union is open to anyone who lives, works, worships, or goes to school in the Ohio counties of Athens, Fairfield, Hocking, Meigs, Morgan, Perry, Vinton, or Washington. Members of the Ohio University Friends of the Libraries (minimum $30), Athens Friends of the Library, Athens County Area Beekeepers Association, Athens Amvets Post 76, Albany Amvets Post 93, Athens County Club, Athens Elks, Athens Masonic Bodies, or Career Connections Alumni Association are also eligible to join. Employees/Retirees, students or alumni of an Ohio University or Hocking College, and family members of current credit union members are also welcome.
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Reviews (2)

I love my credit union

I had an account at this bank for many years, starting when I became an Ohio University student. There was no fee for having the account, and it worked very well. There are many ATM locations in the Athens area, and the bank is also linked to a network of no-fee ATMs, but I'm not sure exactly what as I never tried to go to the ATM outside of Athens. They had one quirk I had never seen before: they allowed withdrawals as low as $5 from ATMs. This was an excellent convenience especially for a college student who typically has very little money. One issue is that when I had an account I had to watch my balance very closely because purchases would disappear then re-appear and suddenly I would have a lot less money than I thought, but that's more my issue than it is this bank's issue. I highly recommend this bank. They were very helpful and a good resource for a college student or young adult. If you are in the Ohio University ecosystem this bank is a no-brainer.

Ohio University Credit Union.

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Having used Ohio University Credit Union for many years now in regards to both Checking & Savings accounts I would say they have been very reliable. Their online offering is acceptable for a smaller credit union. Their app is very functional as well as their browser site. Their fees have been very low and even non-existent at times when you'd typically expect them to be there. For example, I had overdrawn my checking account with them one time as a college student and there were no fees. I was just required to pay back the amount as soon as possible. With other institutions this could have easily been a $45 fee or higher. I think they are very reasonable in this regard. Their customer service has always been good for me. They are friendly and responsive to any issues that I have had and continue to never let me down in that regard. Signing up for my checking and savings accounts with them was an easy and friendly process. The people that work here are very friendly in person, if you opt to set up your account through a walk-in. I would highly recommend this credit union if you are located around the greatern Athens, Ohio area.


Health Grade Components

NCUA #61048
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3%
Annual Interest Income$6MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$483.4MM$527.1MM
LoansQ1 2024vs Q1 2023$373.8MM$358MM
DepositsQ1 2024vs Q1 2023$404.1MM$415.9MM
Equity CapitalQ1 2024vs Q1 2023$47.8MM$45.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.7MM$2.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.3MM$1.6MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not OUCU Financial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

OUCU Financial Credit Union Savings Account Rates

1.05%*$250k*-IRA Money Max Savings
OTHER TIERS: 0.55% $0 - $50k | 0.75% $50k - $100k | 0.90% $100k - $250k
1.00%*$250k*-Money Max Savings
OTHER TIERS: 0.50% $0 - $50k | 0.70% $50k - $100k | 0.85% $100k - $250k
1.00%*$250k*-Business Money Max Saving
OTHER TIERS: 0.50% $0 - $50k | 0.70% $50k - $100k | 0.85% $100k - $250k
0.10%$0-IRA Passbook
0.10%$0-Coverdell Education Savings Account
0.10%$0-Roth IRA Passbook
0.05%$10-Regular Share
0.05%$0-Christmas Club
0.05%$0-Vacation Club
0.05%$10-Business Regular Share

OUCU Financial Credit Union Checking Account Rates

0.10%$500-Dividend Checking

OUCU Financial Credit Union CD Rates

4.00%$500-30 Month Share Certificate Special
3.50%$500-12 Month Share Certificate
3.50%$500-24 Month Share Certificate
3.00%$500-36 Month Share Certificate
3.00%$500-48 Month Share Certificate
3.00%$500-60 Month Share Certificate

OUCU Financial Credit Union IRA Rates

4.25%$0$6.5k12 Month Easy Save IRA Certificate
3.50%$500-12 Month IRA Certificate
3.50%$500-24 Month IRA Certificate
3.50%$500-12 Months Coverdell IRA Certificate
3.50%$500-24 Months Coverdell IRA Certificate
3.00%$500-36 Month IRA Certificate
3.00%$500-48 Month IRA Certificate
3.00%$500-60 Month IRA Certificate
3.00%$500-36 Months Coverdell IRA Certificate
3.00%$500-48 Months Coverdell IRA Certificate
3.00%$500-60 Months Coverdell IRA Certificate

OUCU Financial Credit Union Locations
Branch Office90 S Shafer StAthens, OH 45701-2309
Branch Office944 E State StAthens, OH 45701
Branch Office12 W Union StAthens, OH 45701
Branch Office96 W Hunter StLogan, OH 43138

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