UNIVERSAL 1 CREDIT UNION

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!

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!

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.