Universal 1 Credit Union


Overview / Commentary
937-431-3100
1 River Park Dr
Dayton, OH 45409-2104

Universal 1 Credit Union is headquartered in Dayton and is the 14th largest credit union in the state of Ohio. It is also the 651st largest credit union in the nation. It was established in 1937 and as of June of 2019, it had grown to 102 employees and 53,404 members at 10 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


See current membership details

Related Posts

View all posts from:


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

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
B+

Health Grade Components

Overall
NCUA #64970
Year Chartered1937
Employees102
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4.6%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$422.7MM$427.9MM
LoansQ2 2019vs Q2 2018$331.9MM$337.7MM
DepositsQ2 2019vs Q2 2018$384.1MM$389.7MM
Equity CapitalQ2 2019vs Q2 2018$36.2MM$34.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$2.6MM$3.1MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$2.2MM$2.7MM
Real Estate OwnedQ2 2019vs Q2 2018$0$139.00K
Rates
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

Universal 1 Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Universal Freedom 500

Universal 1 Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$1k-3 Months HSA Certificate
2.63%$1k-60 Months Share Certificate
2.53%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.63%$1k-60 Months IRA Certificate
2.53%$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
Locations


Cities: Beavercreek, Chillicothe, Dayton, Kettering, Miamisburg, Sidney, Vandalia

Beavercreek Branches
Branch Office2450 Esquire DrBeavercreek, OH 45431-2573

Chillicothe Branches
Branch Office1080 N Bridge StChillicothe, OH 45601-1789

Dayton Branches
Branch Office6270 Wilmington PikeDayton, OH 45459
Branch Office2933 Harshman RdDayton, OH 45424-5041
Branch Office1 River Park DrDayton, OH 45409-2104
Branch Office1 Wyoming StDayton, OH 45409-2722

Kettering Branches
Branch Office3343 E Stroop RdKettering, OH 45440-1339

Miamisburg Branches
Branch Office9900 Springboro PikeMiamisburg, OH 45342-4536

Sidney Branches
Branch Office2835 Michigan StSidney, OH 45365-8622

Vandalia Branches
Branch Office718 S Dixie DrVandalia, OH 45377

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.