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

Introduction

At Universal 1, we believe that financial well-being is the cornerstone of a thriving community. Located at 2933 Harshman Rd, Dayton, OH 45424, our credit union has been dedicated to serving our members since 1937. With a total membership of over 46,000, we're proud to be a trusted partner in achieving financial goals. Whether you're looking for a personal loan, vehicle financing, or online banking services, we have tailored solutions designed just for you. Our commitment goes beyond just providing financial services. With total assets exceeding $416 million and total deposits reaching $61 million, we ensure that your money is safe and growing. Our net worth stands at an impressive $47 million, highlighting our stability and dedication to our members' interests. Under the leadership of CEO Jessica Jones and Board President Jeffrey Gammell, Universal 1 is not just about numbers; it's about people. We employ 86 local team members who are here to assist you with personalized service. You can reach us at 937-235-0303 during our lobby hours from Monday to Friday, 9:00 AM to 5:00 PM, or Saturday from 9:00 AM to 12:00 PM. While members can visit us at our branch location, official correspondence should be sent to the same address: 2933 Harshman Rd, Dayton, OH 45424-5041. Join us as we continue to make a positive impact in the lives of our members and the community. Explore more about what we offer on our website Universal 1 or stop by today!

Branch History & Mission

Welcome to Universal 1, a credit union rooted in community and dedicated to helping our members achieve their financial dreams. Since opening our doors in 1937, we have been a steadfast partner for individuals and families in Dayton, Ohio. Our branch at 2933 Harshman Rd, located conveniently near local schools and parks, has become a trusted hub for financial services over the decades. As we grew from a small cooperative into a well-respected institution, our commitment to our members remained at the forefront of everything we do. Today, Universal 1 proudly serves over 46,000 members, with total assets exceeding $416 million. This growth reflects not only our dedication to providing quality financial products but also our deep connection to the community we serve. Our mission is simple yet powerful: to enhance the financial well-being of our members while fostering strong community ties. We believe that by offering accessible banking solutions such as personal accounts, auto loans, mortgages, and credit cards with rewards we empower individuals to take control of their finances. We also strive to support local initiatives through partnerships and outreach programs that address the needs of our community. While you can visit us at our branch location on Harshman Road, official correspondence should be sent to our mailing address at 2933 Harshman Rd, Dayton, OH 45424-5041. Our operating hours are Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM, making it easy for you to connect with us when it suits you best. In addition to traditional banking services, we have embraced digital advancements such as online banking and mobile payments, ensuring that our members have access to their accounts anytime and anywhere. We are proud to be ADA compliant and focus on customer-centric initiatives that make banking easier for everyone. At Universal 1, we invite you to join us on this journey towards financial empowerment. Whether you're looking for your first savings account or planning for retirement, we are here to help you every step of the way. Experience the difference with a credit union that truly cares about your success come visit us or contact us at 937-235-0303 today!

Branch Location & Accessibility

Accessibility and Parking

At Universal 1, we strive to make banking accessible for everyone. Our location features ample parking and is compliant with ADA standards, ensuring that all members can easily access our services. If you prefer a quick visit without leaving your vehicle, please note that we currently do not offer drive-thru banking; however, our ATM is available for your convenience.

Operating Hours

We are here for you during the week! Visit us Monday through Friday from 9:00 AM to 5:00 PM and on Saturday from 9:00 AM to 12:00 PM. Our dedicated team is always ready to assist with personal banking needs such as checking and savings accounts, auto loans, mortgage options, and more.

Services Offered

Universal 1 offers a variety of services designed with your needs in mind. From personal loans and credit cards with rewards to business banking solutions, we have something for everyone. Plus, our online and mobile banking options allow you to manage your finances anytime, anywhere. Feel free to give us a call at 937-235-0303 if you have any questions or need assistance before visiting. We look forward to welcoming you to Universal 1 soon!

Member Eligibility

At Universal 1, we believe in creating a welcoming community where everyone feels valued and supported. Becoming a member is simple and rewarding! If you live, work, or worship in the Montgomery County area, you're likely eligible to join us. This includes individuals who have family members already part of our credit union or those who are employed by select organizations. We're here to help you every step of the way, so feel free to check out the detailed eligibility criteria at this link. Once you find out that you're eligible, opening an account with Universal 1 is a breeze! You can start your journey towards financial empowerment by applying online just follow this account opening link. If you have any questions or need assistance, don't hesitate to reach out to us at 937-235-0303. We're located at 2933 Harshman Rd, Dayton, OH 45424, and our friendly team is excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services make it easy for you to accept payments and manage transactions. Picture this: your customers are happy to pay using their preferred methods, whether it's credit cards or digital wallets. This not only enhances customer satisfaction but also streamlines your cash flow. If you're ready to take your business to the next level, visit us at 2933 Harshman Rd Dayton Oh 45424 in Dayton, OH, or give us a call at (937) 235-0303. Let's work together to turn your business goals into reality!

Tailored Business Loan Options

Imagine having access to funds that can help you expand your operations, purchase new equipment, or manage day-to-day expenses. 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. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll appreciate our business banking services. From merchant services that simplify payment processing to business loans designed to fuel growth, we've got your back. We know how important it is for businesses to thrive in their communities, and we're committed to providing the tools you need.

Convenient Access Anytime, Anywhere

In today's fast-paced world, convenience matters. That's why we have made banking easier than ever with our online and mobile banking features. You can deposit checks remotely, make person-to-person payments easily, and access ATM services for cash withdrawals or balance checks at any time. With an ATM available at our branch and no drive-thru service, we focus on providing direct and friendly service inside our lobby during operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. We invite you to visit us at Universal 1 in Huber Heights or give us a call at 937-235-0303 if you have any questions about our services. Let us help you achieve your financial goals today!

Credit Options That Fit Your Needs

Universal 1 also offers personal loans for various purposes like debt consolidation or unexpected expenses. Our credit cards come with rewards programs that give you more for your purchases making everyday spending more rewarding.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that cater to all lifestyles. Imagine having easy access to your funds through our online and mobile banking platforms whether you're at home or on the go. You can manage your accounts seamlessly, transfer money between accounts, and even pay bills with just a few taps on your smartphone. For those looking to purchase a vehicle, our auto loans and vehicle financing options make the process straightforward. With competitive rates and flexible terms, we help you find the right loan that fits your budget. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans come with personalized support to guide you through every detail.

Digital & Online Banking

Key Features

For those who prefer doing things on their smartphones, our mobile application makes banking even more convenient. You can make mobile payments with ease and send money quickly through person-to-person transfers. Whether you're splitting a bill or sending a gift, we've got you covered with fast and secure options. Additionally, we provide electronic signature authorization for your convenience. This means you can sign documents digitally without needing to visit a branch in person. Our commitment to security means that your transactions are protected at every step, so you can feel safe using our services. If you're interested in going paperless, e-statements are also available. This feature allows you to receive your bank statements electronically, making it easy to track your spending while reducing clutter. At Universal 1, we're dedicated to providing accessible banking solutions that fit into your lifestyle. Explore all these fantastic features and more by visiting us online today!

Financial Strength

A Commitment to Excellence

Our operational efficiency is reflected in our net income of $0, enabling 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 employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With net shares available for lending and investments totaling $8,306,806 and a strong member base with 73,178 total share accounts, we are well-positioned to meet your needs now and into the future.

Conclusion

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 2933 Harshman Rd Dayton Oh 45424 or call 937-235-0303 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Reinvestment for Better Services

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 your financial goals across various sectors with $21,988,8548 in total loans and leases, including $4,993 in used auto loans.

Strong 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.

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 $95,848,214 in used vehicle loans and $28,382,147 in new vehicle loans already helping members get on the road. Whether you're financing a brand-new model or a reliable pre-owned vehicle, we're here to support your journey.

Credit Lines

If you need access to funds without the hassle of applying for multiple loans, consider our credit lines totaling $68,368,404. This option gives you the flexibility to borrow what you need when you need it. At Universal 1, we prioritize transparency and accessibility in our lending practices. For more details about eligibility and refinancing options available at our branch located at 2933 Harshman Rd, Dayton OH 45424, feel free to reach out by calling us at 937-235-0303 or visit our website at Universal 1. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

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, making it easier for you to settle into the home of your dreams. If you need assistance with refinancing your current mortgage, our team is ready to guide you through the process.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $9,735,549 in loans helping members manage their finances effectively. These cards are perfect for everyday purchases and can help build your credit history while offering competitive rates.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers. Each listed loan comes from legitimate financial institutions, which reinforces the reliability of the information provided.

Benefits of Using LendMesh

- Verified Data: All loan offers are obtained from reputable financial institutions, guaranteeing transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The aim is to present unbiased results so users can find the best fit for their needs. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, enabling them to make well-informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This highlights the practical benefits and positive experiences users have had with the tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

UNIVERSAL 1 CREDIT UNION