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

Introduction

Welcome to Universal 1, your trusted financial partner since 1937. Located at 1 River Park Dr, Dayton, OH 45409, we proudly serve a vibrant community of over 46,739 members, providing them with the support they need to achieve their financial goals. With total assets reaching an impressive $416,232,668 and total deposits of $61,067,841, we stand as a solid foundation for your banking needs. At Universal 1, we are committed to making a positive impact in our community. Our dedicated team of 86 employees, led by CEO Jessica Jones and Board President Jeffrey Gammell, ensures that you receive personalized service tailored to your unique situation. We understand that each member has different needs whether you're seeking auto loans, mortgages, or just a friendly place to manage your savings. While members can visit us at our main office, official correspondence should be sent to the same address: 1 River Park Dr, Dayton, OH 45409-2104. We invite you to explore our wide range of services designed for everyone from personal banking options like checking accounts and credit cards with rewards to business banking solutions. With a net worth of $47,063,703 and cash in hand amounting to $4,097,312, our credit union is positioned to provide stability and security for all members. Whether you're looking for assistance with personal loans or exploring online and mobile banking options, Universal 1 is here for you every step of the way. We believe in open communication and are always ready to help. Feel free to reach out at 937-225-6800 or visit us online at Universal 1's website for more information. Join us today your financial journey starts here!

Branch History & Mission

Community Impact

We believe in giving back to the communities that support us. Over the years, Universal 1 has partnered with local organizations and participated in numerous outreach initiatives aimed at fostering financial literacy and supporting families in need. This dedication is not just about providing loans or checking accounts; it's about building relationships and strengthening our community bonds. While members can visit us at 1 River Park Dr, official correspondence should be sent to 1 River Park Dr, Dayton, OH 45409-2104 if needed. You can reach us at 937-225-6800 during our operating hours: Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 12:00 pm.

Join Us

As we continue to grow and adapt, we invite you to become part of the Universal 1 family. Experience firsthand how we prioritize member satisfaction and community support. Whether you're looking for personal banking solutions or business services, you'll find a welcoming environment ready to assist you. Visit us today or learn more about membership eligibility here. Together, let's build a brighter financial future!

Our Evolution

Throughout the years, Universal 1 has remained committed to our mission: to provide exceptional financial services while supporting the community we serve. As we expanded our offerings from personal banking products like checking and savings accounts to auto loans and mortgages we maintained a focus on helping our members achieve their financial goals. Today, with total assets of $416,232,668, we are proud to offer a variety of services tailored to meet the diverse needs of our membership. Our branch has embraced digital advancements to enhance member experience. We now offer online banking and mobile payment options for convenience. Our commitment to accessibility includes ADA compliance measures that ensure everyone can access our services without barriers.

Branch Location & Accessibility

Accessibility Features

At Universal 1, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, offering features such as ramps and ample parking for easy access. Whether you're visiting us for personal banking services or taking advantage of our auto loans and mortgage options, we aim to make your experience as smooth as possible.

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours. You can visit us Monday through Friday from 9:00 AM to 5:00 PM and on Saturday from 9:00 AM to 12:00 PM. We're here to help you during the times that work best for you!

Services Offered

Universal 1 offers a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got it all! While we do not have drive-thru service available, our ATM is open for your convenience whenever you need cash or want to check your balance. Feel free to give us a call at (937) 225-6800 if you have any questions or need assistance. Our friendly staff is always ready to help! We invite you to stop by Universal 1 today and discover how we can support your financial journey. Your community credit union is here for you!

Member Eligibility

At Universal 1, we believe that everyone deserves a place in our friendly community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Dayton area, you're likely eligible to join us. We also extend membership to family members of existing members, making it easy to share the benefits of our services with loved ones. Once you're part of Universal 1, you can enjoy personalized banking solutions that fit your lifestyle, whether it's checking accounts, auto loans, or mortgages. Ready to take the next step? You can learn more about eligibility by visiting our website at http://www.universal1cu.org/eligibility . When you're ready to open an account, just follow this link: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad2bmjarntoddbbp6atcbajhp6xwqsntjp2hvxxpqetnb . If you have any questions or need assistance, feel free to give us a call at (937) 225-6800. We're here to help you become part of something special at Universal 1!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's competitive landscape, having reliable merchant services is crucial. With our solutions, you can easily process payments, manage transactions, and streamline your operations. For instance, consider how accepting various payment methods can boost customer satisfaction and drive sales at your store. With Universal 1's Business Banking and Commercial Services at 1 River Park Dr, Dayton, OH 45409, you have a partner ready to help you thrive. Contact us at 937-225-6800 or visit us online at Universal 1 to learn more about how we can support your business journey!

Tailored Lending Solutions

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 to invest in new equipment, hire additional staff, or launch that innovative product you've been envisioning. Our loans help make these goals a reality.

Comprehensive List Of Services

Business Banking

For our business members, we provide comprehensive business banking solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we have tools designed to support your business needs.

Convenient Access

Accessing your accounts has never been easier. Our ATM services allow you to withdraw cash or check balances without stepping into the branch. Plus, with online and mobile banking features like person-to-person payments, you can manage your finances anytime, anywhere. At Universal 1 in Dayton, OH, we are dedicated to helping our members thrive financially with personalized service and innovative solutions. If you're ready to take control of your finances or have questions about any of our offerings, please don't hesitate to reach out at 937-225-6800 or visit us in person during our lobby hours: Monday through Friday from 9:00 AM - 5:00 PM and Saturday from 9:00 AM - 12:00 PM. Explore all that Universal 1 has to offer today!

Credit Cards

Looking for a way to earn rewards on your everyday purchases? Our credit cards with rewards program allows you to earn points on every dollar spent, which can be redeemed for exciting rewards. It's a great way to make your spending work for you!

Loans and Financing

When it comes to financing your dreams, Universal 1 has you covered. Our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your new car. With competitive rates and flexible terms, purchasing your next vehicle can be stress-free. If homeownership is in your sights, consider our mortgage loans and refinancing options. We understand that buying a home is one of the biggest decisions you'll make, and we're here to guide you through the process every step of the way. You can even explore personal loans for debt consolidation, making it simpler to manage your expenses without overwhelming interest rates.

Personal Banking

For those looking to manage their everyday finances, we offer various checking and savings accounts. Whether you're saving for a rainy day or planning a big purchase, our accounts come with features designed for easy access and management. Imagine being able to transfer funds or check your balance anytime through our user-friendly online and mobile banking platforms.

Digital & Online Banking

Key Services

Our online banking services include features that allow you to manage your finances with ease. You can sign up for e-statements, making it simple to keep track of your transactions without the clutter of paper. For members who prefer using their mobile devices, our mobile application provides a user-friendly experience where you can check balances, transfer funds, and even make mobile payments with just a few taps. Need to send money to a friend? Our person-to-person transfer feature lets you do just that quickly and securely. Plus, if you're ever short on time or away from home, you can take advantage of our 24/7 online banking services, ensuring you have access to your accounts whenever you need it.

Security and Accessibility

We prioritize your security with features like electronic signature authorization for added peace of mind when completing transactions. Our platform is designed not only for functionality but also for your safety, so you can focus on what matters most your financial goals. In addition to these features, the ability to manage your accounts in real-time means you'll always know where you stand financially. Whether you're checking your balance or planning a budget, Universal 1 makes it easy to stay connected and informed. Explore all our digital banking offerings today and discover how we make banking more accessible for you!

Financial Strength

Commitment to 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 is strong; with $4,993 in used auto loans and $219,888,548 in total loans and leases, we support our members' financial goals across various sectors.

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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 85 full-time employees and 1 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $47,063,703, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,131 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnerships

Our net shares available for lending and investments stand at $8,306,806, showcasing our dedication to creating opportunities for you. With 73,178 total share accounts, we demonstrate a strong and growing member base that trusts us with their finances. 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 1 River Park Dr Dayton Oh 45409 or call (937) 225-6800 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Loan Offering

Additional Information

If you're considering refinancing or looking for eligibility options for any of these products, feel free to reach out. Our friendly staff at Universal 1 is ready to help you navigate through your choices and find the best solution for your needs. To learn more about our loan offerings or start the application process, call us at 937-225-6800 or visit us at 1 River Park Dr Dayton OH 45409. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. No matter what you're aiming for financially, Universal 1 is here to support you every step of the way!

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 and competitive rates to make your vehicle financing as smooth as possible.

Credit Lines

For those who need ongoing access to funds, our total credit lines amount to $68,368,404. This service allows you to borrow as needed and pay interest only on what you use making it an excellent option for various financial situations.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $28,750,811, make buying or refinancing simple. We know that purchasing a home is a significant step, and our team is here to assist you throughout the process.

Unsecured Credit Card Loans

Managing your finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $9,735,549 in loans available. These cards can provide you with the purchasing power you need while keeping your finances manageable.

Loan Aggregator

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UNIVERSAL 1 CREDIT UNION