UNIVERSAL 1 CREDIT UNION

Welcome to Universal 1, your trusted financial partner located at 6270 Wilmington Pike, Dayton, OH 45459. Established in 1937, we have proudly served our community for over eight decades, providing reliable financial solutions tailored to meet the needs of our 46,739 members. With total assets exceeding $416,232,668 and deposits amounting to $61,067,841, we are committed to helping you achieve your financial goals. At Universal 1, we believe in empowering our members with a range of services, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our dedicated team, led by CEO Jessica Jones and Board President Jeffrey Gammell, ensures that you receive exceptional service every step of the way. With a total of 86 employees ready to assist you, we're here to build lasting relationships based on trust and support. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 6022 Wilmington Pike, Dayton, OH 45459. Whether you're looking for quick ATM access or want to take advantage of our mobile banking services, we're here for you. We invite you to reach out at 937-848-6050 during our lobby hours Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 12:00 pm. Discover how Universal 1 can help you navigate your financial journey today! For more information about our services or to open an account online, visit us at Universal 1.

At Universal 1, we take pride in our rich history and commitment to the community of Dayton, OH. Established in 1937, our branch has grown alongside the residents we serve, evolving from a small financial institution into a trusted partner for over 46,000 members. Nestled at 6270 Wilmington Pike, we are conveniently located near local schools and parks, making it easy for families to access our services. From the beginning, our mission has been clear: to provide exceptional financial services while supporting the community's growth and development. We understand that each member has unique needs, which is why we offer a wide range of products from checking accounts and auto loans to mortgages and credit cards with rewards. Our goal is to empower every member to achieve their financial dreams. Over the years, Universal 1 has seen remarkable milestones. With total assets now exceeding $416 million, we continue to expand our offerings while maintaining a personal touch. Our dedicated team of 86 employees is here to guide you through every financial decision with care and expertise. In addition to traditional banking services, we have embraced technology to enhance your banking experience. With options like online banking and mobile payments available, managing your finances has never been easier. Our commitment to accessibility includes ADA-compliant facilities and drive-thru banking for added convenience. As part of our mission, Universal 1 believes in giving back. We actively engage in community outreach programs and partnerships that uplift those around us. Whether it's sponsoring local events or providing financial education workshops, we strive to make a positive impact beyond just banking. For any official correspondence, please note that while members can visit us at 6270 Wilmington Pike, you can also reach us at our mailing address: 6022 Wilmington Pike, Dayton, OH 45459. We invite you to join Universal 1 and experience the benefits of being part of a cooperative that truly cares about its members and community. Visit us today or give us a call at 937-848-6050 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. Let's work together toward your financial success!

Becoming a member of Universal 1 is like joining a friendly neighborhood that truly cares about your financial well-being. If you're looking to be part of a supportive community, you'll be glad to know that eligibility is designed to be inclusive! Generally, individuals who live, work, or worship in the area surrounding Dayton can easily become members. You can find more detailed criteria at this link. Joining us not only opens the door to various banking services but also provides access to lower loan rates and personalized financial advice tailored just for you. Opening an account with Universal 1 is straightforward and welcoming! Whether you're ready to take the plunge online or prefer a personal touch, you can start your membership journey by visiting our account opening page here. Should you have any questions or need assistance, feel free to call us at 937-848-6050. We're excited to help you take this important step towards financial empowerment right here at 6270 Wilmington Pike, Dayton, OH 45459!

At Universal 1, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong commitment to providing reliable services, we ensure that your financial well-being is our top priority. 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. 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. 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 $4,993 in used auto loans and a total of $219,888,548 in loans and leases. 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. Total Share and Deposit Accounts stand at 73,178, showing a strong and growing member base that trusts us with their finances. With $8,306,806 in net shares, funds available for lending and investments are robust. 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 6270 Wilmington Pike Dayton OH 45459 or call 937-848-6050 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.