Universal 1 Credit Union


Overview / Commentary
937-225-6800
1 River Park Dr
Dayton, OH 45409

Universal 1 Credit Union is headquartered in Dayton and is the 19th largest credit union in the state of Ohio. It is also the 756th largest credit union in the nation. It was established in 1937 and as of December of 2022, it had grown to 89 employees and 48,702 members at 9 locations. Universal 1 Credit Union's CD rates are 3X the national average, and it has a C+ health rating.

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
C+

Health Grade Components

Overall
NCUA #64970
Year Chartered1937
Employees89
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD5.36%
Annual Interest Income$15.6MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$453.1MM$475.8MM
LoansQ4 2022vs Q4 2021$266.6MM$240.7MM
DepositsQ4 2022vs Q4 2021$417.2MM$432.5MM
Equity CapitalQ4 2022vs Q4 2021$33.4MM$40.2MM
Loan Loss AllowanceQ4 2022vs Q4 2021$2.8MM$1.2MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$3.6MM$1.0MM
Real Estate OwnedQ4 2022vs Q4 2021$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
0.15%*$50k*-Savings Account
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%*$250k*-Money Market
OTHER TIERS: 0.50% $2k - $10k | 0.60% $10k - $25k | 0.80% $25k - $50k | 1.00% $50k - $100k | 1.11% $100k - $250k

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
2.94%$1k-60 Months Share Certificate
2.79%$1k-48 Months Share Certificate
2.63%$1k-36 Months Share Certificate
2.58%$500-12 Months Share Certificate
2.58%$1k-13 Months Share Certificate
2.48%$1k-6 Months Share Certificate
2.48%$1k-7 Months Share Certificate
2.43%$1k-24 Months Share Certificate
2.43%$1k-30 Months Share Certificate
2.33%$1k-18 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.94%$1k-60 Months IRA Certificate
2.79%$1k-48 Months IRA Certificate
2.58%$500-12 Months IRA Certificate
2.43%$1k-24 Months IRA Certificate
2.43%$1k-30 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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