Universal 1 Credit Union

Overview / Commentary
1 River Park Dr
Dayton, OH 45409

Universal 1 Credit Union is headquartered in Dayton and is the 24th largest credit union in the state of Ohio. It is also the 819th largest credit union in the nation. It was established in 1937 and as of December of 2023, it had grown to 80 employees and 48,021 members at 9 locations. Universal 1 Credit Union's money market rates are 6X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Universal 1 Credit Union is open to those who live, work, worship, or attend school in the Ohio counties of Butler, Clark, Greene, Guernsey, Highland, Licking, Miami, Pickaway, Ross, Shelby, or Warren; or the Ohio communities of Centerville, Clayton, Dayton, Englewood, Farmersville, Germantown, Huber Heights, Kettering, Miami Township, Miamisburg, Moraine, New Lebanon, Oakwood, Riverside, Trotwood, Union, Vandalia, Washington Township, or West Carrollton.
See current membership details

Reviews (3)

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

Posted by: |

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.)

Horrible At Most Everything

Posted by: |

Use to be pretty decent. Now poor poor rates. Tellers are not experienced and always make account mistakes. Management treats you like crap if you complain. I actually think they are in the process of going out of business.


Health Grade Components

NCUA #64970
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD7.97%
Annual Interest Income$21.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$417MM$453.1MM
LoansQ4 2023vs Q4 2022$249.3MM$266.6MM
DepositsQ4 2023vs Q4 2022$374.8MM$417.2MM
Equity CapitalQ4 2023vs Q4 2022$39.4MM$33.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$6.2MM$2.8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$5.4MM$3.6MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Report an Issue

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

0.75%--Health Savings Account
0.15%*$50k*-Savings Account
OTHER TIERS: 0.05% $300 - $10k | 0.10% $10k - $50k
0.15%*$50k*-Business Savings
OTHER TIERS: 0.05% $300 - $10k | 0.10% $10k - $50k
0.10%$50-Holiday Club
0.10%$50-Vacation Club
0.10%--Passbook IRA Savings

Universal 1 Credit Union Money Market Rates

2.53%*$250k*-Money Market
OTHER TIERS: 2.02% $2k - $10k | 2.12% $10k - $25k | 2.22% $25k - $50k | 2.32% $50k - $100k | 2.43% $100k - $250k

Universal 1 Credit Union Checking Account Rates

0.60%$50k-Business Success Checking
0.10%$1k-Business Advantage Checking
0.05%$500-Universal Freedom 500

Universal 1 Credit Union CD Rates

5.01%$1k-6 Months Share Certificate
5.01%$1k-7 Months Share Certificate
4.85%$500-12 Months Share Certificate
4.85%$1k-13 Months Share Certificate
4.59%$1k-18 Months Share Certificate
4.33%$1k-24 Months Share Certificate
4.33%$1k-30 Months Share Certificate
4.07%$1k-36 Months Share Certificate
3.82%$1k-48 Months Share Certificate
3.56%$1k-60 Months Share Certificate
1.61%$25-12 Months Money Saver Share Certificate
1.00%$1k-3 Months HSA Certificate

Universal 1 Credit Union IRA Rates

4.85%$500-12 Months IRA Certificate
4.33%$1k-24 Months IRA Certificate
4.33%$1k-30 Months IRA Certificate
3.82%$1k-48 Months IRA Certificate
3.56%$1k-60 Months IRA Certificate

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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.