Welcome to universal-1, a trusted financial institution that has been serving our community since 1937. Headquartered in the vibrant city of Dayton, OH, we are dedicated to providing exceptional financial services with a member-first approach. Under the leadership of our CEO, Jessica Jones, and Board President, Jeffrey Gammell, we strive to empower our members through comprehensive banking solutions designed to meet their unique needs. Our commitment to service extends beyond traditional banking; we actively engage with and support our local communities, including military members and their families.

As an NCUA-insured credit union since 4/13/1979 0:00, we prioritize the safety and security of your deposits while offering modern banking tools that enhance your financial experience. Enjoy the convenience of online banking, a user-friendly mobile application for on-the-go access, and features such as person-to-person transfers, e-statements, mobile payments, and e-signature authorization—all designed to simplify your banking journey. At universal-1, we believe in making financial empowerment accessible to everyone. For more information about our services and offerings, visit us at https://www.u1cu.org/ or reach out via fax at (937) 225-9266. Join us today as we work together towards a financially secure future!

At Universal 1, we offer a comprehensive range of financial services tailored to meet the diverse needs of our members in Ohio. Whether you're looking for personal banking solutions, such as checking and savings accounts, or need assistance with auto loans and vehicle financing, our expert team is here to help. We also provide mortgage loans and refinancing options, personal loans for debt consolidation, and credit cards with rewards to ensure you have the tools necessary to manage your finances effectively. For small businesses, our business banking services include merchant services and business loans that can help foster growth and success.

In today’s digital age, we understand the importance of convenient access to banking services. That’s why Universal 1 offers online banking and a user-friendly mobile application that allows you to manage your finances on the go. Our digital tools include person-to-person transfers, mobile payments, e-statements, and e-signatures for added convenience. These services empower our members to take control of their financial journeys—whether planning for life milestones or navigating everyday expenses. If you're curious about membership eligibility or want to explore our offerings further, please visit http://www.universal1cu.org/eligibility . Additionally, if you're in the market for loans and want to compare rates or find the best fit for your needs, check out https://www.lendmesh.com/loans/mortgage_loans . For personalized support, feel free to reach out via fax at (937) 225-9266. At Universal 1, we are dedicated to providing quality financial solutions that enhance your banking experience.

At universal-1, we pride ourselves on being a trusted and valuable financial partner within our community. With a total membership of 46,739, we have built strong relationships with individuals and families who turn to us for their financial needs. Our impressive total assets of 416,232,668 reflect our commitment to sound financial management and growth, ensuring that we can provide exceptional services to our members.

Our net worth stands at 47,063,703, showcasing our stability and resilience in the ever-evolving financial landscape. This strong foundation allows us to offer competitive loan products, with a robust portfolio that includes 15,145 loans and leases tailored to fit the diverse needs of our members. Notably, our auto loan volume reaches 9,986, demonstrating our ability to support members in acquiring reliable transportation while offering favorable terms.

In addition to personal loans, we understand the importance of business financing. Our commercial loans, which amount to 82, empower local entrepreneurs by providing them with the capital they need to thrive. We also maintain significant deposits of 61,067,841, illustrating the trust placed in us by our members and reflecting our dedication to safeguarding their funds.

With a committed workforce of 86 professionals, we focus on delivering personalized service and expert guidance. Our net worth ratio of 1,131 further underscores our strength as a financial institution, making us a safe choice for your banking needs. We believe in transparency, and that's why all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov .

At universal-1, we invite you to experience firsthand why so many choose us as their preferred financial partner. Compare real-time loan offers today at https://www.lendmesh.com/loans/mortgage_loans and find the best rates for your needs.