Universal 1 Credit Union Chillicothe OH | Affordable Auto Loans & Business Banking

Introduction

Welcome to Universal 1, your trusted financial partner located at 1080 N Bridge St, Chillicothe, OH 45601. Established in 1937, we have proudly served our community for over eight decades, nurturing a growing family of 46,739 members. At Universal 1, we are dedicated to empowering our members with personalized banking solutions that cater to their unique financial needs. As a member-focused credit union, we understand the importance of building strong relationships within our community. With total assets of $416,232,668 and total deposits reaching $61,067,841, we ensure that your funds are secure while providing competitive rates on loans and savings accounts. Our lending portfolio includes 15,145 loans and leases, designed to help you achieve your dreams whether it's purchasing a vehicle or securing your first home. Led by our passionate CEO, Jessica Jones, and Board President Jeffrey Gammell, our team of 86 employees is committed to delivering exceptional service. We take pride in having an approachable staff ready to assist you with any inquiries or needs you may have. Whether you're visiting us in person or connecting through our online services at Universal 1, we're here for you every step of the way. While you can visit us directly at our branch address for all your banking needs, please note that official correspondence should be sent to the same address: 1080 N Bridge St, Chillicothe, OH 45601-1789. At Universal 1, we believe in being more than just a bank; we strive to make a positive impact on the lives of those we serve. Join us today and experience firsthand how we can help you reach your financial goals! Feel free to call us at 740-775-4321 for any questions or assistance. We look forward to welcoming you into the Universal 1 family!

Branch History & Mission

A Commitment to Community

Universal 1 is not just about banking; it's about building lasting relationships. We strive to create an environment where everyone feels valued and supported. Our mission statement emphasizes that we are dedicated to providing personalized financial services while actively contributing to the betterment of Chillicothe and its residents. Our operating hours are designed with your convenience in mind: Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 12:00 pm. While members can visit us at our main address for all their banking needs, any official correspondence should be directed to the same location.

Innovation Meets Tradition

As we've evolved over the years, so too has our approach to banking. We've embraced digital advancements while ensuring that all members have access to ADA-compliant services. Today, Universal 1 offers online banking options, mobile payments, and person-to-person transfer services all aimed at making your banking experience seamless. We also understand the importance of giving back. Through partnerships with local organizations and community outreach efforts, we strive to uplift those around us. Our drive-thru banking may not be available yet, but we offer a welcoming lobby space where members can come together.

Join Us

As we continue on this journey, we invite you to become a part of the Universal 1 family. Experience firsthand how we can help you achieve your financial goals while making a positive impact in our community. Whether you're looking for personal loans, auto financing, or business banking solutions, we're here for you every step of the way. For more information or assistance, please reach out at 740-775-4321 or visit us online at Universal 1. Join us today and discover how Universal 1 can make a difference in your life!

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about our services, feel free to give us a call at 740-775-4321. Our friendly staff is always ready to assist you! We invite you to stop by Universal 1 today your financial journey starts right here in Chillicothe!

Getting Here

Our location is designed with convenience in mind. With ample parking available, you won't have to worry about finding a spot when you arrive. We also ensure accessibility for everyone, featuring ADA-compliant entrances and ramps to make your visit as smooth as possible. While members can visit us at our Chillicothe address, official correspondence should be sent to the same location: 1080 N Bridge St, Chillicothe, OH 45601-1789.

Operating Hours

We understand that life gets busy! That's why our lobby hours are set to accommodate your schedule. We're open Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM until noon. Whether you need assistance during the week or want to squeeze in a visit over the weekend, we've got you covered.

Services Offered

At Universal 1, we offer a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you manage your finances effectively. Even if you're looking into business banking solutions or need online and mobile banking services, we provide everything under one roof.

Member Eligibility

At Universal 1, we believe that everyone deserves a chance to be part of a welcoming community where your financial needs are prioritized. Becoming a member is simple and inclusive! If you live, work, worship, or attend school in Ross County, Ohio, you're already eligible to join us. We want to support you on your financial journey by offering personalized services and competitive rates that cater to your unique circumstances. To learn more about the specific eligibility criteria and see if you qualify, check out our detailed information at http://www.universal1cu.org/eligibility . Joining Universal 1 is just a click away! You can start the account opening process easily through this link: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad2bmjarntoddbbp6atcbajhp6xwqsntjp2hvxxpqetnb . If you have any questions or need assistance, feel free to reach out to us at 740-775-4321. We can't wait to welcome you into our family at Universal 1, located at 1080 N Bridge St Chillicothe, OH 45601!

Business Banking & Commercial Services

Loan Options for Every Business

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $82 in non-member commercial loans, providing flexible financing solutions. Imagine having the capital you need to purchase new equipment, hire additional staff, or launch a marketing campaign all made possible by our accessible loan products.

Merchant Services That Empower

In addition to loans, we provide essential merchant services that streamline your operations. Picture this: Your customers can pay easily and quickly using various methods, ensuring a smooth transaction process that keeps them coming back. Our merchant services help you manage payments efficiently, so you can focus on what matters most growing your business. For more information on how Universal 1 can assist your business at our branch located at 1080 N Bridge St, Chillicothe, OH 45601, give us a call at 740-775-4321 or visit our website at Universal 1. Let's work together to turn your business goals into reality!

Comprehensive List Of Services

Additional Services

While we pride ourselves on offering traditional banking services like ATM & Cash Withdrawal Services, our focus remains on enhancing member experience through technology and personalized service. To learn more about how Universal 1 can support your financial journey or to open an account today, call us at 740-775-4321 or visit us online at universal1cu.org. We're excited to serve you!

Business Banking

For local entrepreneurs, we offer comprehensive Business Banking services including Merchant Services and Business Loans tailored to help your business thrive. We understand that every business has unique needs, and we work closely with you to find the right solutions.

Credit Options

Managing debt can be challenging, but we're here to help with our Personal Loans & Debt Consolidation solutions. These options allow you to simplify payments and reduce interest costs. Plus, don't forget about our Credit Cards with Rewards, which let you earn points on your purchases that can be redeemed for travel, cash back, and more.

Digital Banking Convenience

In today's fast-paced world, having access to your finances at your fingertips is crucial. That's why Universal 1 provides robust Online & Mobile Banking platforms. You can check balances, transfer funds, pay bills, and even make person-to-person payments all from your smartphone or computer. Our digital tools ensure that managing your finances is as easy as possible.

Personal Banking

We understand that personal banking is about more than just transactions; it's about building relationships and supporting your financial goals. Our Checking & Savings Accounts offer easy access to your money while helping you earn interest. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms to get you on the road quickly. For those planning to buy a home, our Mortgage Loans & Refinancing services make homeownership attainable with personalized guidance throughout the process.

Digital & Online Banking

Key Features

Our mobile application brings all these features right to your fingertips. Whether you're making mobile payments or sending money to friends with our person-to-person transfer feature, banking has never been simpler. Plus, with electronic signature authorization available, signing documents is quick and hassle-free no more printing or mailing required. We also offer e-statements for easy access to your account information. You can view and download your statements anytime, which helps keep your records organized without the clutter of paper statements. And if you're ever in doubt about a transaction or need assistance, our responsive support team is just a call away at (740) 775-4321. In this fast-paced world, having reliable tools for real-time account management is essential. At Universal 1, we prioritize both security and ease-of-use in all our digital banking services. Join us today and experience a new level of convenience in managing your finances!

Financial Strength

Commitment to Service

Our $0 net income reflects our operational efficiency as we continuously strive to offer competitive loan rates and solid financial products for our members. We also take pride in having 85 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Investment in Growth

With $47,063,703 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $21,988,8548 in total loans and leases and 4,993 used auto loans.

Member-Centric Savings

Members' savings are secured through $79,583,330 in share certificates and $46,166,646 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $47,063,703, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 113.1% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Strength

Total Share Accounts: 73,178, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $8,306,806. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Universal 1 is your trusted partner. Visit us at 1080 N Bridge St Chillicothe Oh 45601 or call 740-775-4321 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $95,848,214 in used vehicle loans and $28,382,147 in new vehicle loans already helping members get on the road. We provide flexible terms that can fit your budget and lifestyle. Plus, our team is here to assist you every step of the way.

Credit Lines and Personal Loans

For those who need access to cash for unexpected expenses or larger purchases, we offer credit lines totaling $68,368,404. This option provides the flexibility to borrow only what you need when you need it. Additionally, we have flexible terms on unsecured credit card loans, with a total of $9,735,549 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $28,750,811. Whether you're a first-time buyer or looking to refinance an existing mortgage, our knowledgeable staff will guide you through the process.

Refinancing Options

If you're considering refinancing your current loans for better rates or terms, we can help you explore your options. Our team is dedicated to finding solutions that suit your financial situation. For more information about our loan offerings or to discuss eligibility options tailored for you, please don't hesitate to reach out! You can contact us at 740-775-4321 or visit us at our branch located at 1080 N Bridge St Chillicothe OH 45601. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Universal 1, we're committed to helping you achieve your financial dreams with confidence and support every step of the way.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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UNIVERSAL 1 CREDIT UNION