Universal 1 Credit Union


Overview / Commentary
937-431-3100
1 River Park Dr
Dayton, OH 45409

Universal 1 Credit Union is headquartered in Dayton and is the 17th largest credit union in the state of Ohio. It is also the 711th largest credit union in the nation. It was established in 1937 and as of March of 2021, it had grown to 82 employees and 49,111 members at 9 locations. Universal 1 Credit Union has an A health rating.

Reviews (2)

Not As Good As They Used To Be

Deposit Growth is down and Capitalization is considered average. CD rates are okay but there are better rates in the Cincinnati, Dayton area. They appear to have survived the recession which hit Dayton particularly hard, but otherwise really need to reverse the Deposit Growth trend and improve Capitalization. Might be hard to do in Dayton region.
There has been a lot of upheaval in the local credit unions with mergers, and switching to ASI insurance.
Will be interesting to see how they are doing in the coming years. They are not as competitive as they used to be.

You Must Live Or Work In Ohio To Join Universal 1

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You must live or work in Ohio to join Universal 1 Credit Union. (Their membership-eligibility requirements were not readily available on their web site.)



Health

Health Grade Components

Overall
NCUA #64970
Year Chartered1937
Employees82
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD4.36%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$472.4MM$426.8MM
LoansQ1 2021vs Q1 2020$237.3MM$286.2MM
DepositsQ1 2021vs Q1 2020$433.0MM$386.6MM
Equity CapitalQ1 2021vs Q1 2020$36.7MM$37.7MM
Loan Loss AllowanceQ1 2021vs Q1 2020$2.0MM$2.3MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$987.00K$2.2MM
Real Estate OwnedQ1 2021vs Q1 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Universal 1 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.

Universal 1 Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--Health Savings Account
0.10%*$50k*-Savings Account
OTHER TIERS: 0.03% $300 - $10k | 0.05% $10k - $50k
0.10%--Passbook IRA Savings
0.05%$50-Holiday Club
0.05%$50-Vacation Club

Universal 1 Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$25k*-Money Market
OTHER TIERS: 0.10% $2k - $10k | 0.20% $10k - $25k

Universal 1 Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$500-Universal Freedom 500

Universal 1 Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-60 Months Share Certificate
1.00%$1k-3 Months HSA Certificate
0.85%$1k-48 Months Share Certificate
0.70%$1k-36 Months Share Certificate
0.50%$1k-24 Months Share Certificate
0.50%$1k-30 Months Share Certificate
0.40%$1k-18 Months Share Certificate
0.30%$500-12 Months Share Certificate
0.30%$1k-13 Months Share Certificate
0.20%$1k-6 Months Share Certificate
0.20%$1k-7 Months Share Certificate
0.20%$25-12 Months Money Saver Share Certificate

Universal 1 Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-60 Months IRA Certificate
0.85%$1k-48 Months IRA Certificate
0.50%$1k-24 Months IRA Certificate
0.50%$1k-30 Months IRA Certificate
0.30%$500-12 Months IRA Certificate
Locations


Universal 1 Credit Union Locations
Branch Office2835 Michigan StSidney, OH 45365-8622
Branch Office6270 Wilmington PikeDayton, OH 45459
Branch Office1080 N Bridge StChillicothe, OH 45601-1789
Branch Office718 S Dixie DrVandalia, OH 45377
Branch Office2933 Harshman RdDayton, OH 45424-5041
Branch Office1 River Park DrDayton, OH 45409-2104
Branch Office2450 Esquire DrBeavercreek, OH 45431-2573
Branch Office1 Wyoming StDayton, OH 45409-2722
Branch Office9900 Springboro PikeMiamisburg, OH 45342-4536

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