Universal 1 Credit Union Vandalia OH | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Universal 1, your trusted financial partner located at 718 S Dixie Dr, Vandalia, OH 45377. Established in 1937, we have proudly served our community for over eight decades, building a strong foundation of trust and reliability. With a total membership of 46,739 and assets exceeding $416 million, we are dedicated to providing exceptional service tailored to meet your unique financial needs. At Universal 1, we understand that every member's journey is different. Whether you're looking to finance your first car, save for a home, or plan for retirement, our diverse range of services from auto loans and mortgages to personal banking options ensures you have the tools you need to succeed. Currently, we manage over $61 million in deposits and have provided more than 15,145 loans to help our members achieve their dreams. While members can visit us at our Vandalia branch, official correspondence should be sent to the same address: 718 S Dixie Dr, Vandalia, OH 45377. Our friendly team is here for you Monday through Friday from 9:00 AM to 5:00 PM, and on Saturday from 9:00 AM to 12:00 PM. Under the leadership of CEO Jessica Jones and Board President Jeffrey Gammell, we prioritize community impact and member satisfaction. Our commitment goes beyond just numbers; it's about building lasting relationships that make a difference in your life. Ready to take the next step? Visit us today or give us a call at 937-898-3815. Let's work together towards your financial goals!

Branch History & Mission

Commitment to Service

As technology advances, so do we. Our digital banking options like online banking and mobile payments ensure you can manage your finances conveniently from anywhere. We also prioritize accessibility with ADA-compliant facilities and services. For those who prefer face-to-face interactions, we offer drive-thru banking and ATM access for quick transactions without the need to enter the branch. Our operating hours are designed with your schedule in mind: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM.

Join Us

We invite you to become part of the Universal 1 family. Experience firsthand how our member-centric approach can benefit you financially while supporting your local community. Whether you're looking for a new checking account or seeking advice on loans, our friendly team is here to help. Call us today at 937-898-3815 or visit our website at Universal 1 for more information on how you can get started with us. Together, let's build a brighter financial future!

Our Mission

At Universal 1, our mission is clear: we strive to empower our members through exceptional financial services while fostering a strong sense of community. We believe in providing personal banking solutions that cater to your needs, whether it's checking and savings accounts, auto loans, or mortgage financing. Our commitment goes beyond just numbers; we aim to make a positive impact on the lives of those we serve. Our staff is dedicated not only to delivering quality financial products but also to supporting local initiatives and outreach programs. We partner with various organizations in Vandalia to promote financial literacy and support community development efforts.

Branch Location & Accessibility

Accessibility Features

At Universal 1, we prioritize accessibility for all members. Our branch is ADA compliant, featuring ramps and designated parking spaces for those who need them. Whether you're visiting our lobby or using our drive-thru services, we strive to make every aspect of your banking experience comfortable.

Contact Us

Have questions or ready to visit? Give us a call at 937-898-3815! Our friendly team is always here to help you navigate your banking options and ensure you have everything you need. Come by Universal 1 today we look forward to serving you!

Nearby Landmarks

Located in the heart of Montgomery County, our branch is close to several landmarks that make it easy to find us. If you're near the Vandalia Recreation Center or heading from the busy Dixie Drive area, just look for our welcoming entrance. We have ample parking available right outside, ensuring that your visit is hassle-free.

Operating Hours

We understand that life gets busy! That's why we're here for you Monday through Friday from 9:00 AM to 5:00 PM and on Saturday from 9:00 AM to 12:00 PM. Our extended hours on Saturdays give you the flexibility to handle your banking needs when it's convenient for you.

Services Offered

At Universal 1, we offer a range of services designed to fit your lifestyle. From checking and savings accounts to auto loans and mortgages, we're committed to helping you achieve your financial goals. Need cash? You can easily access our ATM or utilize our drive-thru for quick transactions like deposits and withdrawals.

Member Eligibility

Becoming a member of Universal 1 is like joining a family that truly cares about your financial well-being. If you're looking to be part of a community that values trust and personal connections, you've come to the right place! To qualify for membership at Universal 1, you typically need to live, work, worship, or attend school in the area. We welcome individuals from all walks of life, ensuring that everyone has access to our services. For detailed eligibility criteria, feel free to check out this resource. Opening an account is a breeze! Just visit us at our branch located at 718 S Dixie Dr Vandalia Oh 45377, or you can start the process online through this link: Account Opening. Our friendly team is also here to assist you with any questions you may have don't hesitate to call us at (937) 898-3815. Join us today and experience the benefits of being a member of Universal 1!

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. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, having reliable merchant services can make all the difference. Imagine being able to process payments swiftly and securely, allowing you to focus on what truly matters serving your customers. Our merchant services provide seamless payment solutions that help streamline your operations. Ready to take your business to the next level? Visit us at 718 S Dixie Dr, Vandalia, OH 45377, or call us at 937-898-3815. Let Universal 1 be your partner in success!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our branch offers an ATM for easy withdrawals and balance checks whenever you need them. Plus, take advantage of our drive-thru banking services for quick deposits or withdrawals without leaving your car. It's all about making banking as hassle-free as possible! As we continue to grow since opening our doors in 1937, Universal 1 remains committed to serving the Vandalia community with integrity and care. Our friendly staff is always ready to assist you with any questions or concerns. Ready to explore how Universal 1 can help you achieve your financial goals? Give us a call at 937-898-3815, visit us online at Universal 1, or stop by our branch today!

Business Banking Solutions

For entrepreneurs and small business owners, Universal 1 offers robust business banking services. Our merchant services make it simple to accept payments from customers, while our business loans can provide the capital needed to grow your venture. We believe supporting local businesses helps strengthen our community as a whole.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we've invested in online and mobile banking solutions so you can manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, staying on top of your finances has never been easier.

Personal Banking Made Easy

Our personal banking services are designed with you in mind. We offer various checking and savings accounts that fit different lifestyles and financial goals. If you're planning to purchase a new car or refinance your existing vehicle, our auto loans and vehicle financing options can help make that dream a reality. Imagine driving off in your new car with easy monthly payments that fit your budget! If homeownership is on your radar, our mortgage loans and refinancing options provide competitive rates and flexible terms. We also offer personal loans for those moments when life throws unexpected expenses your way think home repairs or medical bills. And don't forget about our credit cards with rewards, which let you earn points on everyday purchases.

Digital & Online Banking

Key Features

Our mobile application takes convenience a step further. Available for download on various devices, it allows you to perform transactions while on the go. You can also make mobile payments effortlessly and enjoy person-to-person transfers to send money to friends or family instantly. For those who prefer going paperless, we offer e-statements for easy access to your account statements without the clutter of paperwork. You'll also appreciate the electronic signature authorization feature, which lets you sign documents securely online no need for printing or scanning. Security is a top priority at Universal 1. We utilize advanced measures to protect your personal information and ensure safe transactions. This means you can bank confidently knowing that your data is in good hands. Overall, our digital banking services provide you with accessibility and real-time account management, making it easier than ever to stay on top of your finances. For more details on how you can take advantage of these features, visit us at Universal 1.

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 understand that in today's world, having a reliable financial partner is essential. That's why we're proud to highlight our financial strength, which reassures our members of our stability and reliability. 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 $219,888,548 in total 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 and committed team. Net Shares (Funds available for lending and investments): $8,306,806. Total Share and Deposit 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 718 S Dixie Dr Vandalia OH 45377 or call 937-898-3815 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 tailored financing solutions whether you're interested in a brand-new model or a reliable used vehicle.

Credit Lines and Other Options

In addition to our personal loans and credit cards, we have substantial credit lines available totaling $68,368,404. This flexibility allows you to access funds when you need them most without the hassle of applying for a new loan each time. If you're considering refinancing any existing debts or exploring eligibility options for our products, our team is ready to help. We encourage you to reach out at 937-898-3815 or visit us at our branch located at 718 S Dixie Dr Vandalia Oh 45377 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Universal 1, we're committed to providing reliable services that help you manage your finances better. Let us help you achieve your financial goals today!

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. We offer various terms to fit your situation and guide you through the process every step of the way.

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. This option provides an easy way to cover unexpected expenses while keeping your spending manageable.

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 ensures that users receive fair and transparent offers. Each comparison reflects current rates, helping individuals find the best options for their needs.

UNIVERSAL 1 CREDIT UNION - Vandalia, OH

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