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

Introduction

Welcome to Universal 1, a trusted partner for financial growth in the heart of Dayton, Ohio. Established in 1937, we have proudly served our community for over eight decades, helping our 46,739 members achieve their financial dreams. Located at 1 Wyoming St, Dayton, OH 45409, we invite you to visit us and discover a range of services tailored just for you. At Universal 1, we believe that everyone deserves access to sound financial advice and quality services. With total assets exceeding $416 million and deposits totaling $61 million, we are well-equipped to meet your banking needs. Our commitment to our members is reflected in our financial strength, with a net worth of $47 million and over $4 million in cash readily available. Our dedicated team, led by CEO Jessica Jones and Board President Jeffrey Gammell, is here to provide personalized support. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we have something for everyone. With a focus on community impact, we strive to make every interaction meaningful. While members can visit us at our branch address, official correspondence should be sent to the same location at 1 Wyoming St, Dayton, OH 45409-2722. Feel free to reach out by phone at 937-208-2745 or explore our website at Universal 1 for more information about our services and how we can assist you. Join us today and experience the difference that comes with being part of a credit union that truly cares!

Branch History & Mission

Community Commitment

Our commitment to the community is reflected in various outreach efforts and partnerships aimed at improving financial literacy and supporting local initiatives. As we continue to grow, we remain dedicated to making a positive impact in Dayton and surrounding areas. In today's digital world, we prioritize member experience by ensuring ADA compliance and implementing user-friendly technology solutions like electronic signatures and mobile payments. We understand that each member's needs are unique; therefore, our team is here to assist you every step of the way.

Join Us Today!

Whether you're looking for your first bank account or seeking advice on a mortgage loan, Universal 1 is here for you. Experience the benefits of membership today! Reach out to us at (937) 208-2745 or visit us online at www.u1cu.org. Together, let's build a brighter financial future!

Our Mission

At Universal 1, our mission goes beyond just providing financial products. We believe in empowering individuals and families by offering personalized services that promote financial wellness. Our goals include enhancing the quality of life for our members through responsible lending practices and comprehensive educational resources. We strive to create lasting relationships built on trust and transparency. We are proud of our diverse range of services that include checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Additionally, we offer online and mobile banking options for your convenience. With an ATM available on-site and no drive-thru service at this location, we focus on maintaining an inviting atmosphere where members can feel comfortable discussing their financial needs. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to our mailing address: 1 Wyoming St, Dayton, OH 45409-2722.

Our Story

From humble beginnings, Universal 1 has evolved into a trusted financial partner for over 46,000 members. Our journey began with a vision to offer accessible banking solutions tailored to the needs of our community. Throughout the years, we have reached significant milestones that reflect our commitment to growth and innovation. With total assets now exceeding $416 million, we have strengthened our ability to support members in their financial journeys.

Branch Location & Accessibility

Welcome to Universal 1, your friendly neighborhood credit union located at 1 Wyoming St, Dayton, OH 45409. We are dedicated to providing our members with convenient and accessible banking solutions right in the heart of Montgomery County. Our branch is easy to find, nestled near local landmarks like Miami Valley Hospital, making it a go-to spot for both personal and community banking needs. At Universal 1, we understand that accessibility is key. Our branch features ADA-compliant facilities, ensuring that everyone can easily access our services. Plus, there's ample parking available for your convenience when you visit us. While you're here, feel free to utilize our ATM services available on-site for quick cash withdrawals and balance checks. We're open Monday through Tuesday and Thursday to Friday from 7:30 AM to 4:00 PM, with special hours on Wednesday from 7:30 AM until 10:30 AM. Our team is here during these hours to assist you with a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. If you need to reach out or have any questions before your visit, don't hesitate to call us at 937-208-2745. We're always happy to help! While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address as our mailing address: 1 Wyoming St, Dayton, OH 45409-2722. Whether you're looking to open a new account or simply want some financial advice, we invite you to stop by Universal 1 today. Your financial well-being is our priority!

Member Eligibility

Becoming a member of Universal 1 is like joining a welcoming family dedicated to helping you achieve your financial dreams. If you're looking to experience personalized service and community-focused banking, you'll be pleased to know that eligibility at Universal 1 is designed to include a broad range of individuals. Whether you live, work, worship, or go to school in the surrounding area, you're likely already eligible! For those who want to explore further, you can find all the details about membership criteria at http://www.universal1cu.org/eligibility , which provides up-to-date information on who can join our supportive community. Opening an account is straightforward and user-friendly. Just visit us online or give us a call at (937) 208-2745 for assistance. We're here to guide you through the process so that you can start enjoying the many benefits of being part of Universal 1. From competitive rates on loans to tailored financial services, we strive to make your banking experience as rewarding as possible. Don't hesitate to check out more information about becoming a member at Universal 1, and take the first step towards a brighter financial future today!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $82 in non-member commercial loans, providing flexible financing solutions. Whether you're looking to expand your operations or manage cash flow, our loan options can help pave the way for your success.

Merchant Services

In addition to loans, we offer robust merchant services that simplify payment processing for businesses of all sizes. Imagine running your shop while easily accepting payments from customers whether it's through credit cards or digital wallets without a hitch. Our services ensure that you can focus on what really matters: growing your business and serving your customers. Explore how Universal 1 can be your partner in success. For more information or to discuss your business needs, contact us at (937) 208-2745 or visit us today!

Comprehensive List Of Services

Business Banking Support

For our entrepreneurial members, we provide comprehensive business banking services, including merchant services and business loans designed to support your growth ambitions. Whether you're starting fresh or expanding an existing venture, we're here with guidance and resources tailored for businesses of all sizes.

Convenient Access When You Need It

With an ATM on-site, accessing your cash is quick and easy. Plus, our basic ATM access allows for hassle-free withdrawals and balance checks whenever you need them. No matter where life takes you, Universal 1 is committed to making banking easier and more accessible. Our staff is always ready to assist with personalized service just give us a call at 937-208-2745 if you have any questions or need assistance! Ready to explore how Universal 1 can support your financial needs? Visit us today at Universal 1 and discover the difference personalized service can make in achieving your financial dreams!

Financing Your Dreams

If you're looking to purchase a vehicle, our auto loans and vehicle financing options offer competitive rates that can fit any budget. Whether you're eyeing that shiny new car or a reliable used one, we can help make it happen. For those considering homeownership or refinancing their current mortgage, our mortgage loans provide flexible terms tailored just for you.

Personal Banking Solutions

When it comes to personal banking, we have you covered. Our checking and savings accounts make managing your day-to-day finances simple and efficient. Imagine effortlessly accessing your funds anytime through our online and mobile banking options. Need to check your balance or transfer money? You can do it all from the palm of your hand!

Personal Loans Made Easy

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation solutions to give you peace of mind when you need it most. Need extra cash for home repairs or medical bills? Our straightforward application process ensures quick access to funds so you can tackle what matters most.

Rewards That Matter

Don't forget about our credit cards! With our credit cards featuring rewards, every purchase can bring you closer to exciting perks like travel points or cashback. It's just one more way we aim to enhance your financial journey.

Digital & Online Banking

E-Statements and Electronic Signature Authorization

Go paperless by opting for e-statements it's not only eco-friendly but also keeps your financial information organized and accessible. Plus, with electronic signature authorization available, signing documents has never been simpler or quicker. At Universal 1, we're dedicated to providing our members with accessible and efficient banking solutions. Join us today and experience a new level of convenience in managing your finances!

Mobile Banking Options

With our mobile application available for download, managing your finances has never been easier. You can make mobile payments seamlessly and send money to friends and family with our person-to-person transfer feature. Just imagine the convenience of handling transactions right from your smartphone!

Online Banking Features

Visit us at https://www.u1cu.org/ to explore all the features our online banking platform offers. You can check your account balances, transfer funds, and even apply for loans all with just a few clicks. Our 24/7 online banking services ensure that you're always in control of your money, no matter where life takes you.

Security and User-Friendly Experience

Your security is our top priority. We use advanced measures to protect your information, so you can feel confident while banking online. Plus, our platform is designed with user-friendliness in mind, making it easy for everyone whether you're tech-savvy or just getting started with digital tools.

Financial Strength

Committed Team

We 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 and committed team. This dedicated workforce helps us maintain operational efficiency reflected by our net income of $0, which positions us well for future growth.

Growing Membership Base

Total Share Accounts stand at 73,178, showing a strong and growing member base that trusts us with their finances. The funds available for lending and investments through net shares total $8,306,806, demonstrating our ability to support member needs effectively. 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 Wyoming St Dayton OH 45409 or call 937-208-2745 to learn more about how we can help you achieve your financial goals.

Member Savings and Deposits

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.

Our 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 11.31% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting in Our Community

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, including $49,993 in used auto loans.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have over $95,848,214 in used vehicle loans and $28,382,147 in new vehicle loans already helping members get on the road. Our flexible terms ensure you can find a plan that fits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $28,750,811, making buying or refinancing simple. We help guide you through the process so that you can focus on what matters most your new home.

Total Credit Lines and More

In addition to our auto and mortgage products, we provide total credit lines amounting to $68,368,404. This gives our members the ability to handle larger purchases or emergencies without hassle. If you're interested in refinancing any existing loans or would like more information about eligibility options available at Universal 1, please don't hesitate to reach out. You can contact us at 937-208-2745 during our lobby hours: M-T-Th-F from 7:30 am - 4:00 pm and Wednesdays from 7:30 am - 10:30 am. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're committed to providing transparent information so you can make informed decisions regarding your finances. Explore our loan offerings today and see how Universal 1 can help you take the next step toward achieving your financial goals!

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $9,735,549 in these loans helping members effectively manage their finances, you can enjoy peace of mind knowing you have access to funds when needed.

Loan Aggregator

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UNIVERSAL 1 CREDIT UNION - Dayton, OH