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

Introduction

Welcome to Universal 1, your trusted partner in financial success! Located at 9900 Springboro Pike, Miamisburg, OH 45342, we have proudly served our community since 1937. With a strong commitment to our members, we now boast a vibrant membership of 46,739 individuals and families who rely on us for their financial needs. At Universal 1, we understand that each member's journey is unique. That's why we offer a wide range of services tailored to fit your lifestyle whether you're looking for personal banking solutions like checking and savings accounts, or financing options such as auto loans and mortgages. Our total assets stand at an impressive $416,232,668, reflecting our stability and dedication to serving you. Led by our compassionate CEO, Jessica Jones, and Board President Jeffrey Gammell, our experienced team of 86 employees is here to provide personalized service every step of the way. We are proud to maintain a strong financial foundation with total deposits reaching $61,067,841 and net worth of $47,063,703. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 9900 Springboro Pike, Miamisburg, OH 45342-4536. We're also here for you over the phone at 937-435-7268 during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. Join us today and discover how Universal 1 can help you achieve your financial goals! Visit our website at [universal1cu.org]( https://www.u1cu.org/ ) or reach out directly with any questions. Your journey toward financial empowerment begins here!

Branch History & Mission

At Universal 1, we take pride in our rich history and unwavering commitment to serving the community of Miamisburg, OH. Established in 1937, our branch has been a cornerstone of financial support for nearly nine decades, evolving alongside our members' needs and aspirations. Our physical location at 9900 Springboro Pike is more than just an address; it represents a legacy of trust and dedication that spans generations. Over the years, Universal 1 has grown significantly, currently serving a vibrant membership of over 46,000 individuals. Our total assets have reached an impressive $416,232,668, which reflects our solid foundation and capability to provide various financial services. We are proud to offer personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking options. Our mission is straightforward: to empower our members with the financial tools they need while fostering a sense of community and belonging. As we look back on our journey, we celebrate key milestones that have shaped who we are today. From expanding our services to include online and mobile banking to ensuring ADA compliance for all our members, we've prioritized accessibility and convenience. Our commitment extends beyond just transactions; we engage in meaningful partnerships and community outreach initiatives that uplift those around us. For official correspondence, please note that while you can visit us at our branch address, additional mail should be directed to 9900 Springboro Pike, Miamisburg, OH 45342-4536. We understand the importance of being there for our members when they need us most. That's why we provide ATM access and drive-thru banking services for quick transactions. We're here for you Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 12:00 pm. Join us at Universal 1 and experience firsthand the benefits of being part of a credit union that truly cares about your financial well-being. Whether you're looking to open a new account or explore loan options, we're here to help you every step of the way. Let's build your future together! For more information or to get started today, feel free to call us at 937-435-7268 or visit our website at [Universal 1]( https://www.u1cu.org/ ).

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch complies with ADA standards, featuring ramps and designated parking spaces to ensure that everyone can enjoy a comfortable visit.

Call-to-Action

So why wait? Come visit us at Universal 1 today and experience our commitment to serving you better! Whether you're interested in opening an account or simply want more information about our services, we're excited to welcome you into our community.

Nearby Landmarks

Situated near the bustling area of Springboro Pike, our branch is easily accessible for everyone. You can find us close to popular spots like the Dayton Mall, making it a breeze to swing by after shopping or dining out.

Operating Hours

At Universal 1, we aim to accommodate your schedule. Our lobby hours are designed with you in mind: we're open Monday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. We hope these hours make it easier for you to visit us when it suits you best!

Services Offered

We offer a variety of services tailored to meet your financial needs from personal banking options like checking and savings accounts to loans for vehicles and mortgages. For added convenience, we have an ATM on-site as well as drive-thru banking services for quick transactions without leaving your car. If you need assistance or have questions about our offerings, don't hesitate to call us at 937-435-7268. Our team is here to help you every step of the way!

Member Eligibility

Joining the Universal 1 family is a wonderful opportunity to be part of a community that truly cares about your financial well-being. Whether you're looking for a new checking account, a loan, or simply want to explore better financial options, becoming a member is simple and welcoming. At Universal 1, eligibility is open to anyone who lives, works, worships, or attends school in our service areas. This means that if you're part of our local community in and around 9900 Springboro Pike Miamisburg Oh 45342, you can easily join us and take advantage of the many benefits we offer. Becoming a member comes with great perks like competitive loan rates, low fees, and personalized service. It's an easy process to get started! For detailed eligibility criteria, feel free to check out more at http://www.universal1cu.org/eligibility . When you're ready to open an account, just visit https://app.loanspq.com/apply.aspx ?enc=kw21wblm1yxpjjabdozad2bmjarntoddbbp6atcbajhp6xwqsntjp2hvxxpqetnb or give us a call at (937) 435-7268 during our business hours. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Financing Options for Every Business

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.

Merchant Services That Make Sense

In today's fast-paced world, having reliable merchant services is vital. Imagine being able to process payments easily while you focus on what you do best running your business. Our merchant services help streamline transactions, giving you the tools you need to accept payments anytime and anywhere. Visit us at 9900 Springboro Pike Miamisburg Oh 45342 in Miamisburg, OH, or call us at (937) 435-7268 to learn how our business banking and commercial services can help your enterprise thrive!

Comprehensive List Of Services

A Commitment to Convenience

At Universal 1, we pride ourselves on making banking convenient for everyone. Our drive-thru service operates during regular hours from Monday to Saturday, ensuring you have access when you need it most. And with our responsive customer service team ready to assist at 937-435-7268, any questions or concerns can be addressed swiftly. We invite you to discover how Universal 1 can support your financial journey. Whether you're opening an account or applying for a loan, we're here every step of the way. Visit us today or explore more about our services at [universal1cu.org]( http://www.universal1cu.org ). Your financial goals are within reach let's achieve them together!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options are designed to fit your budget. We understand that buying a vehicle is a significant investment, which is why we offer competitive rates and flexible terms to help you drive away happy.

Convenient Access to Cash

Need cash quickly? Our ATM and cash withdrawal services ensure you can access your money anytime. If you prefer face-to-face service, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle.

Home Financing Solutions

If you're considering homeownership or refinancing an existing mortgage, our mortgage loans provide personalized solutions that cater to your unique situation. Picture yourself settling into your dream home with the support of our knowledgeable team guiding you through the process.

Personal Banking Made Simple

Our personal banking services include checking and savings accounts that help you manage your finances effortlessly. Imagine enjoying the convenience of mobile banking, where you can check balances and make transfers right from your phone. With Universal 1's online and mobile banking, accessing your accounts has never been easier. Plus, our credit cards come with rewards that let you earn while you spend!

Support for Your Business

For entrepreneurs and business owners, we offer comprehensive business banking services, including merchant services and business loans. You can focus on growing your business while we take care of the financial details.

Digital & Online Banking

Accessibility at Your Fingertips

Managing your accounts has never been simpler. With options like e-statements and the ability to make mobile payments through our app, you'll have everything you need right at your fingertips. Enjoy real-time account management that fits seamlessly into your busy life. At Universal 1, we believe in empowering our members with the tools they need for financial success. Experience the convenience and security of our digital banking services today!

Convenient Payment Options

Need to send money quickly? Our person-to-person transfer feature lets you send funds directly to friends and family with just a few taps on your phone. For those who love quick payments at stores or online, our mobile payments feature allows for fast checkouts without the hassle of cash or cards.

Key Services Offered

With just a few clicks at https://www.u1cu.org/ , you can enjoy a range of online banking features. Whether you're checking your balance, transferring funds, or paying bills, our 24/7 online banking services have got you covered. Plus, if you prefer to manage your banking on a mobile device, our mobile application makes it even easier.

Security You Can Trust

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and secure. This means you can sign documents electronically without worrying about security risks. Additionally, we offer e-statements to help you keep track of your finances easily and securely no more paper clutter!

Financial Strength

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. We are committed to maintaining a solid financial foundation that allows us to serve you better every day. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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. 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 and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $21,988,8548 in total loans and leases and $4,993 in used auto loans. Our operational efficiency is reflected in our $0 net income, which allows us to focus on enhancing our offerings without compromising quality. 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 and committed team. Net Shares (Funds available for lending and investments): $8,306,806. Total Share Accounts: 73,178, showing 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 9900 Springboro Pike Miamisburg Oh 45342 or call 937-435-7268 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 cater to both new and used vehicle purchases with terms that are designed to be manageable.

Credit Lines & Unsecured Loans

For those needing extra flexibility, we offer credit lines totaling $68,368,404. Additionally, our flexible terms on unsecured credit card loans amounting to $9,735,549 help members manage their finances effectively without the burden of collateral. At Universal 1 Credit Union, we believe in empowering our members with choices. If you're considering refinancing options or want to learn about eligibility requirements for any of our products, please visit us online or give us a call. 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 here to help you navigate your financial journey with confidence and ease!

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. Our team is here to assist you through every step of the process to ensure you find a plan that works best for your financial situation.

Loan Aggregator

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How LendMesh Ensures 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 rigorous sourcing ensures that users receive fair and transparent offers tailored to their specific financial needs.

Universal 1