2024 Overview
General Credit Union Information
Universal 1 is an NCUA insured institution located in Dayton, OH. It was founded in 1937 and has approximately $418.32 millions in assets.
Who can join?
The membership of Universal 1 Credit Union consists of employees of their select employer groups, and any person who lives, works, worships or attends school in one of the following community groups: Dayton, Centerville, Oakwood, Moraine, West Carrollton, Miamisburg, Riverside, Kettering, Huber Heights, Trotwood, New Lebanon, Germantown, Clayton, Farmersville, Englewood, Vandalia, Union, Miami Township, Washington Township, as well as Warren, Clark, Greene, Guernsey, Highland, Licking, Pickaway, Ross, Butler, Miami and Shelby Counties in Ohio. Immediate family members of current members are also eligible to join Universal 1 Credit Union.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 64970 |
| Date Established | 1937 |
| Assets | $418.32 million |
| Loans | $223.13 million |
| Deposits | $375.34 million |
| Capital | $46.96 million |
Field of Membership Restrictions
Membership is open to employees of their select employer groups, and any person who lives, works, Immediate family members of current members, worships or attends school in one of the following community groups: Dayton, Centerville, Oakwood, Moraine, West Carrollton, Miamisburg, Riverside, Kettering, Huber Heights, Trotwood, New Lebanon, Germantown, Clayton, Farmersville, Englewood, Vandalia, Union, Miami Township, Washington Township, as well as Warren, Clark, Greene, Guernsey, Highland, Licking, Pickaway, Ross, Butler, Miami and Shelby Counties in Ohio.
Deposit Rates - December 22, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.03% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.25% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.02% | $2,500 | $3,499 | Learn More |
Loan Rates - December 22, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Universal 1
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.863% | 6.750% | 1.00 | $3,705 | $2,076 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.879% | 6.750% | 1.00 | $4,432 | $2,076 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to Universal 1
To upload and update your bank's rates please register.
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Branches
Below are Universal 1 branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Universal 1 Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 41.62 | A | View Lobby Hours | |
| 57.63 | B | View Lobby Hours | |
| 60.87 | C | View Lobby Hours | |
| 61.51 | D | View Lobby Hours | |
| 62.80 | E | View Lobby Hours | |
| 63.83 | F | View Lobby Hours | |
| 64.58 | G | View Lobby Hours | |
| 64.80 | H | View Lobby Hours | |
| 64.93 | I | View Lobby Hours | |
| 66.53 | J | View Lobby Hours | |
| 68.59 | K | View Lobby Hours |
Climate Policy and Initiatives
UNIVERSAL 1 is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Universal 1 Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Universal 1. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Universal 1 | U.S. Average |
|---|---|
| 13.53% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Universal 1 had $6,567,374 in non-current loans and $493,700 in owned assets. To cover these potential losses it had $46,963,851 in net worth and $5,230,786 in loans loss reserves. That gives it a Texas Ratio of 13.53%.
Net Worth
| Universal 1 | U.S. Average |
|---|---|
| 11.23% | 13.93% |
Universal 1 FCU has a net worth of 11.23% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Universal 1
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