Universal 1 Credit Union Sidney OH | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Universal 1, your trusted partner in financial services right here in Sidney, OH! Established in 1937, our credit union has been a cornerstone of the community, dedicated to providing quality banking solutions tailored to meet your needs. Located at 2835 Michigan St, Sidney, OH 45365, we invite you to experience our welcoming atmosphere and personalized service that sets us apart. At Universal 1, we are proud to serve 46,739 members with total assets amounting to an impressive $416,232,668. Our commitment to helping you achieve your financial goals is evident in our wide range of services, including personal banking, auto loans, mortgages, and business financing. With total deposits reaching $61,067,841 and over 15,145 loans available for our members, we provide the resources and support necessary for your financial journey. Under the leadership of our CEO, Jessica Jones, and Board President Jeffrey Gammell, we prioritize community engagement and member satisfaction. Our team of 86 dedicated employees is ready to assist you with any questions or concerns you may have. You can reach us at 937-498-2320 during our lobby hours from Monday to Friday (9:00 am - 5:00 pm) and Saturday (9:00 am - 12:00 pm). While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 2835 Michigan St, Sidney, OH 45365-8622. We look forward to welcoming you into the Universal 1 family and being a part of your financial success story! Explore more about what we offer by visiting our website at Universal 1 or stop by today!

Branch History & Mission

A Commitment to Innovation

As we move forward, we recognize the importance of adapting to the changing needs of our members. That's why we've embraced digital advancements like online and mobile banking. You can enjoy features such as electronic signatures and mobile payments for convenience without compromising security. Our ATM services ensure access whenever you need it, alongside basic drive-thru banking for quick transactions.

Community Engagement

Universal 1 is more than just a financial institution; we are part of the Sidney fabric. Our initiatives include educational workshops on personal finance and collaborations with local businesses to strengthen the economy. We aim to create lasting relationships built on trust and support. If you're looking for a credit union that prioritizes your needs while making a difference in the community, look no further than Universal 1. Join us today and experience firsthand how we can help you achieve your financial dreams! For any inquiries or assistance, feel free to reach out at 937-498-2320 during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. Together, let's build a brighter future!

Our Mission

Our mission at Universal 1 is simple yet impactful: to provide exceptional financial services while fostering a sense of community among our members. We believe that financial well-being is essential for everyone and strive to empower individuals with the tools they need to achieve their goals. This commitment extends beyond just banking; we actively engage in community outreach programs and partnerships that uplift our neighbors and contribute positively to Sidney.

Branch Location & Accessibility

Welcome to Universal 1, your friendly neighborhood credit union located conveniently at 2835 Michigan St, Sidney, OH 45365. Our branch is designed with your needs in mind, making it easy for you to access a variety of financial services. Whether you're stopping by for a quick transaction or seeking advice on loans and accounts, we're here to help. While you can visit us at our main branch location, if you need to send any official correspondence, please use our mailing address: 2835 Michigan St, Sidney, OH 45365-8622. This keeps everything streamlined and ensures prompt handling of your documents. Nestled in Shelby County, our branch is close to local landmarks that make it easy to find us. We're just a stone's throw away from popular spots like the nearby parks and shopping areas, making your visit even more convenient. Plus, we offer ample parking right outside our doors and ensure that our facilities are accessible for everyone. At Universal 1, we prioritize your comfort and convenience. Our drive-thru banking service allows you to handle deposits and withdrawals without leaving your car. And for those on the go, we have an ATM available for quick cash withdrawals and balance checks. We are here to serve you Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 12:00 PM. Our friendly team is always ready to assist you with personal banking services such as checking and savings accounts, auto loans, mortgages, personal loans, and much more. Don't hesitate to reach out! You can give us a call at 937-498-2320 or drop by our branch today. We look forward to welcoming you into the Universal 1 family!

Member Eligibility

At Universal 1, we believe that joining our community means becoming part of a family that cares about your financial well-being. To become a member at our Sidney branch, located at 2835 Michigan St, you simply need to meet a few friendly criteria. If you live, work, worship, or attend school in Shelby County, you're already on the right track! We welcome individuals and their family members who share these connections to join us in accessing personalized financial services tailored just for you. For those who want to know more about the specific eligibility details, please visit our website at http://www.universal1cu.org/eligibility. Opening an account is as easy as pie! You can start your journey with us by visiting this link or giving us a call at 937-498-2320. Our friendly team is here to help you every step of the way, ensuring that you feel supported and valued as a member of Universal 1. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Simplify Transactions

In today's fast-paced market, efficient payment processing is key to keeping customers happy. Our merchant services offer businesses easy ways to accept payments whether in-store or online. This means fewer missed sales and happier customers. Picture this: a local café using our services to quickly process orders during the morning rush, ensuring that every customer leaves satisfied and ready to return. At Universal 1, located at 2835 Michigan St, Sidney, OH 45365, we are dedicated to helping your business thrive. Let us partner with you on this exciting journey! For more information or to get started, give us a call at 937-498-2320.

Unlocking Growth with Commercial Loans

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. Whether you're looking to expand your operations, purchase new equipment, or manage cash flow, our commercial loans can help you achieve those goals. Imagine upgrading your facilities or investing in the latest technology these changes can elevate your business and enhance customer satisfaction.

Comprehensive List Of Services

Business Banking Services

For our business members, Universal 1 offers comprehensive business banking solutions including merchant services and business loans. We know how essential it is for local businesses to thrive, so we're committed to providing the tools necessary for success.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts from anywhere at any time. Our features include mobile payments, person-to-person transfers, e-statements, and even electronic signatures for a hassle-free experience.

Easy Access to Cash

Need cash quickly? Our ATM services provide easy access for withdrawals and balance checks whenever you need it. Plus, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle.

Personal Banking Solutions

Our personal banking options are designed with you in mind. We offer checking and savings accounts that can help you manage your day-to-day finances effectively. For those considering a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms to fit your budget. If you're thinking about buying a home or refinancing your current mortgage, our mortgage loans are tailored to meet your specific needs.

Support for Your Financial Goals

We also recognize that life can sometimes throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We aim to provide financial relief and help simplify your payments so you can focus on what truly matters. Additionally, if you're looking to earn rewards while spending, our credit cards with rewards are an excellent choice. You can enjoy benefits that align with your lifestyle while managing everyday purchases.

We're Here for You

At Universal 1 in Sidney, OH, we're more than just a credit union; we're a community partner dedicated to helping you achieve financial well-being. If you have questions about any of our services or want personalized assistance tailored to your situation, feel free to give us a call at 937-498-2320 during our lobby hours: Monday through Friday from 9:00 am - 5:00 pm and Saturday from 9:00 am - 12:00 pm. Join us today or learn more by visiting Universal 1's website we're excited to be part of your financial journey!

Digital & Online Banking

Key Features

Our online banking services come packed with features that cater to all your financial needs. You can easily enroll in e-statements, ensuring that you receive your account statements electronically for a quicker, paperless solution. For those who prefer signing documents digitally, our electronic signature authorization makes it easy to approve transactions without the hassle of printing or mailing forms. If you're always on the go, you'll love our mobile application. It's user-friendly and allows you to manage your accounts right from your smartphone. Plus, with mobile payments enabled, making purchases has never been easier just tap and go!

Real-Time Management

Need to send money to a friend? Our person-to-person transfer feature allows you to quickly send funds directly from your account. This is perfect for splitting bills or paying back a friend without any fuss. With all these features available at your fingertips, managing your finances is not just easy; it's also secure. Our robust security measures ensure that your information is protected while you enjoy the convenience of digital banking. Experience the freedom of banking anytime with Universal 1's comprehensive digital and online banking services. Whether you're at home or on the move, we're here to support you every step of the way!

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 proud to showcase our financial strength, which underlines our commitment to providing exceptional services and support to our community. 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, 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 $0 net income, which allows us to keep 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. Net Shares (funds available for lending and investments) amount to $8,306,806, while we have a robust member base with a total of 73,178 share accounts showing the trust our community places in us. 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 2835 Michigan St Sidney OH 45365 or call 937-498-2320 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

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 financing options for both new and used vehicles, making it easier than ever for you to drive away in your ideal car.

Credit Lines

For those seeking additional flexibility, our total credit lines amount to $68,368,404. This option allows you to access funds as needed without taking out a traditional loan. It's perfect for managing unexpected expenses or consolidating debt.

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. Whether you're a first-time homebuyer or looking to refinance your current mortgage, our team is here to guide you through every step of the process.

Refinancing Options

If you're already borrowing but want to take advantage of lower interest rates or better terms, we offer refinancing options across many of our loan products. Our team can help assess your current situation and guide you toward the most beneficial choice for your needs. We invite you to explore these offerings at our branch located at 2835 Michigan St, Sidney, OH 45365. For any questions or assistance in starting your application process, feel free to reach out at 937-498-2320 during our business hours: Monday through Friday from 9:00 am - 5:00 pm and Saturday from 9:00 am - 12:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Universal 1 be your partner in achieving financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,735,549 in loans helping members manage their finances effectively. These cards can provide you with the purchasing power you need while offering the convenience of easy repayment plans tailored to fit your budget.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 approach ensures that all loan offers presented are fair and transparent, giving users peace of mind in their decision-making process.

Universal 1