Universal 1 Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Beavercreek	2450 Esquire Dr, Beavercreek, OH 45431	View Lobby Hours
Huber Heights	2933 Harshman Rd, Dayton, OH 45424	View Lobby Hours
Sugarcreek	6270 Wilmington Pike, Dayton, OH 45459	View Lobby Hours
Miami Valley Hospital	1 Wyoming St, Dayton, OH 45409	View Lobby Hours
Main Office	1 River Park Dr, Dayton, OH 45409	View Lobby Hours
Chillicothe	1080 N Bridge St, Chillicothe, OH 45601	View Lobby Hours
Kettering	3343 E Stroop Rd, Kettering, OH 45440	View Lobby Hours
Dayton Mall	2700 Miamisburg Centerville Rd, Dayton, OH 45459	View Lobby Hours
Centerville	6147 Far Hills Ave, Dayton, OH 45459	View Lobby Hours
Vandalia	718 S Dixie Dr, Vandalia, OH 45377	View Lobby Hours
Sidney	2835 Michigan St, Sidney, OH 45365	View Lobby Hours
Access Information Protected	690 E Crescentville Rd, West Chester, OH 45246	View Lobby Hours
Austin Park	9900 Springboro Pike, Miamisburg, OH 45342	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 2578474	6.611%	6.500%	0.88	$3,690	$2,023	Learn More
NMLS ID: 1025894	6.738%	6.625%	1.00	$3,730	$2,049	Learn More
NMLS ID: 6606	6.968%	6.875%	1.00	$3,027	$2,103	Learn More
NMLS ID: 3030	7.338%	7.250%	0.88	$2,800	$2,183	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 8.100 % After Intro: 8.100 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

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