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
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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
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.)
Data as of Q2 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 64970 |
| Year Chartered | 1937 |
| Employees | 102 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.39% |
| Return on Equity - YTD | 4.6% |
| Annual Interest Income | $8.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $422.7MM$427.9MM |
| Loans | Q2 2019vs Q2 2018 | $331.9MM$337.7MM |
| Deposits | Q2 2019vs Q2 2018 | $384.1MM$389.7MM |
| Equity Capital | Q2 2019vs Q2 2018 | $36.2MM$34.2MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $2.6MM$3.1MM |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $2.2MM$2.7MM |
| Real Estate Owned | Q2 2019vs Q2 2018 | $0$139.00K |
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
Universal 1 Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.60%* | $25k* | - | Money Market | ||
| OTHER TIERS: 0.20% → $2k - $10k | 0.40% → $10k - $25k | |||||
Universal 1 Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | $500 | - | Universal Freedom 500 |
Universal 1 Credit Union CD Rates
Universal 1 Credit Union IRA Rates
| Beavercreek Branches | ||
|---|---|---|
| Branch Office | 2450 Esquire Dr | Beavercreek, OH 45431-2573 |
| Chillicothe Branches | ||
|---|---|---|
| Branch Office | 1080 N Bridge St | Chillicothe, OH 45601-1789 |
| Dayton Branches | ||
|---|---|---|
| Branch Office | 6270 Wilmington Pike | Dayton, OH 45459 |
| Branch Office | 2933 Harshman Rd | Dayton, OH 45424-5041 |
| Branch Office | 1 River Park Dr | Dayton, OH 45409-2104 |
| Branch Office | 1 Wyoming St | Dayton, OH 45409-2722 |
| Kettering Branches | ||
|---|---|---|
| Branch Office | 3343 E Stroop Rd | Kettering, OH 45440-1339 |
| Miamisburg Branches | ||
|---|---|---|
| Branch Office | 9900 Springboro Pike | Miamisburg, OH 45342-4536 |
| Sidney Branches | ||
|---|---|---|
| Branch Office | 2835 Michigan St | Sidney, OH 45365-8622 |
| Vandalia Branches | ||
|---|---|---|
| Branch Office | 718 S Dixie Dr | Vandalia, OH 45377 |