Overview / Commentary
1 River Park Dr
Dayton, OH 45409-2104

Universal 1 Credit Union is headquartered in Dayton and is the 13th largest credit union in the state of Ohio. It is also the 626th largest credit union in the nation. It was established in 1937 and as of June of 2018, it had grown to 106 employees and 53,256 members at 11 locations. Universal 1 Credit Union's CD rates are 96% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

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Reviews (1)

You Must Live Or Work In Ohio To Join Universal 1

Posted by: factpath | Apr 20, 2017

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 Grade Components

NCUA #64970
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.1%
Return on Equity - YTD1.26%
Annual Interest Income$7.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$427.9MM$423.8MM
LoansQ2 2018vs Q2 2017$337.7MM$334.2MM
DepositsQ2 2018vs Q2 2017$389.7MM$385.8MM
Equity CapitalQ2 2018vs Q2 2017$34.2MM$34.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.1MM$3.5MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.7MM$3.0MM
Real Estate OwnedQ2 2018vs Q2 2017$139.00K$181.00K
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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

2.54%--Health Savings Account
0.25%--Passbook IRA Savings
0.15%*$50k*-Savings Account
OTHER TIERS: 0.05% $300 - $10k | 0.10% $10k - $50k
0.10%$50-Holiday Club
0.10%$50-Vacation Club

Universal 1 Credit Union Money Market Rates

0.60%*$25k*-Money Market
OTHER TIERS: 0.20% $2k - $10k | 0.40% $10k - $25k

Universal 1 Credit Union Checking Account Rates

0.05%$500-Universal Freedom 500

Universal 1 Credit Union CD Rates

3.04%$1k-3 Months HSA Certificate
2.74%$1k-60 Months Share Certificate
2.63%$1k-48 Months Share Certificate
2.43%$1k-36 Months Share Certificate
2.27%$1k-24 Months Share Certificate
2.27%$1k-30 Months Share Certificate
2.02%$1k-18 Months Share Certificate
1.76%$500-12 Months Share Certificate
1.76%$500-13 Months Share Certificate
1.51%$1k-6 Months Share Certificate
1.51%$1k-7 Months Share Certificate
0.75%$25-12 Months Money Saver Share Certificate

Universal 1 Credit Union IRA Rates

2.74%$1k-60 Months IRA Certificate
2.63%$1k-48 Months IRA Certificate
2.27%$1k-24 Months IRA Certificate
2.27%$1k-30 Months IRA Certificate
1.76%$500-12 Months IRA Certificate


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