Directions Credit Union

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A short history of Directions CU

Since its inception in 1953 the Directions Credit Union has been serving its members in the Toledo, Ohio area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Barry Shaner, the Directions CU has grown its membership to over 83,053 with assets of more than $708,130,974. They have a main office and 20 branch offices. Please see the credit unions website or contact them by phone at (419) 841-9838 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Toledo, OH.

General Information For Directions CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 60978
Address PO Box 23330 
City Toledo 
State Ohio 
Zip-Code 43623
Phone Number (419) 841-9838
Fax Number (419) 841-1612
Email Address:
CEO/President Barry Shaner
Members 83,053 
Full-Time Employees 264 
Part-Time Employees 24 
Number of Branch Offices 20 
Total Assets 708,130,974 

Compare Directions Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Champion CU South Toledo Branch 1347 S Detroit Ave 43614 (419) 407-4140 No 0.94
Sylvania Area CU Sylvania Area Federal Credit Union 6613 Maplewood Ave 43560 (419) 882-3535 No 2.34
Great Lakes CU Sylvania 6600 Sylvania Ave Ste 6D 43560 (419) 246-5911 No 2.39
Toledo Fire Fighters CU Main Office 2800 W Laskey Rd 43613 (419) 474-7200 No 2.42
Promedica CU PFCU - Toledo 2142 N Cove Blvd 43606 (419) 291-4221 No 3.69

Directions Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Directions Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.99 3.24 3.24 4.13 5.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 173 119 159 317
Rank Among All Ohio Credit Unions 41 47 21 36 68

Directions Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.10 0.10 0.10 0.15
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 129 134 332 276
Rank Among All Ohio Credit Unions 13 22 38 97 69
Directions Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.99011,41129,194,895
All Other Unsecured Loans/Lines of Credit 10.5503,23714,425,390
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 11.4303,53916,366,719
New Vehicle Loans 3.2401,72443,170,728
Used Vehicle Loans 3.24011,998129,271,612
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.1301,852221,586,655
Total Other Real Estate Loans/Lines of Credit 5.75072916,953,708
Leases Receivable 3.2403,629110,387,278
Total All Other Loans/Lines of Credit 3.2402,63125,279,349
TOTAL LOANS & LEASES 40,750606,636,334

Directions Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 1,039143,399,39813819,561,804
    b. 15 Years or less 48836,075,285455,162,065
    a. > 15 years 9814,936,05872,439,148
    b. 15 Years or less 3241,02800
Other Fixed Rate 12615,779,6373912,519,219
Adjustable Rate 1 yr or less 113,78600
Adjustable Rate > 1 yr 9711,141,46361,201,598


Closed-End Fixed Rate 3208,433,97800
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 4098,519,7308152,493,636
Open-End Fixed Rate 0000
TOTALS 2,581238,540,3631,05043,377,470


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 9512,612,46412,519,219
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Directions Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes