Universal 1 Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.73% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 0.75% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
| 0.15% | Savings | 0.26% - National Average |
Universal 1 Credit Union is headquartered in Dayton and is the 13th largest credit union in the state of Ohio. It is also the 637th largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 103 employees and 53,670 members at 11 locations. Universal 1 Credit Union's CD rates are 2X the national average, and it has a B+ health rating.
Field of Membership Restrictions
See current membership details
Related Posts
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 Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 64970 |
| Year Chartered | 1937 |
| Employees | 103 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.2% |
| Return on Equity - YTD | 2.41% |
| Annual Interest Income | $15.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $416.1MM$419.1MM |
| Loans | Q4 2018vs Q4 2017 | $347.4MM$337.2MM |
| Deposits | Q4 2018vs Q4 2017 | $378.5MM$381.2MM |
| Equity Capital | Q4 2018vs Q4 2017 | $35.0MM$34.1MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $3.0MM$3.3MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $2.6MM$3.2MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$181.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.65%* | $25k* | - | Money Market | ||
| OTHER TIERS: 0.25% → $2k - $10k | 0.45% → $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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.04% | $1k | - | 3 Months HSA Certificate | |
| 2.73% | $1k | - | 60 Months Share Certificate | |
| 2.63% | $1k | - | 48 Months Share Certificate | |
| 2.53% | $1k | - | 36 Months Share Certificate | |
| 2.38% | $1k | - | 24 Months Share Certificate | |
| 2.38% | $1k | - | 30 Months Share Certificate | |
| 2.22% | $1k | - | 18 Months Share Certificate | |
| 2.02% | $500 | - | 12 Months Share Certificate | |
| 2.02% | $500 | - | 13 Months Share Certificate | |
| 1.76% | $1k | - | 6 Months Share Certificate | |
| 1.76% | $1k | - | 7 Months Share Certificate | |
| 0.75% | $25 | - | 12 Months Money Saver Share Certificate |
Universal 1 Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.73% | $1k | - | 60 Months IRA Certificate | |
| 2.63% | $1k | - | 48 Months IRA Certificate | |
| 2.38% | $1k | - | 24 Months IRA Certificate | |
| 2.38% | $1k | - | 30 Months IRA Certificate | |
| 2.02% | $500 | - | 12 Months IRA Certificate |
