Universal 1 Credit Union

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A short history of Universal 1 CU

Since its inception in 1937 the Universal 1 Credit Union has been serving its members in the DAYTON, 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 Loren Rush, the Universal 1 CU has grown its membership to over 52,413 with assets of more than $423,773,495. They have a main office and 11 branch offices. Please see the credit unions website or contact them by phone at (937) 225-6800 or email them at number1@universal1cu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in DAYTON, OH.

General Information For Universal 1 CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 64970
Address 1 RIVER PARK DR 
State Ohio 
Zip-Code 45409
Phone Number (937) 225-6800
Fax Number (937) 225-9266
Email Address: number1@universal1cu.org
CEO/President Loren Rush
Members 52,413 
Full-Time Employees 106 
Part-Time Employees 11 
Number of Branch Offices 11 
Total Assets 423,773,495 
Website http://www.universal1cu.org 

Compare Universal 1 Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Heartland CU Dixie Branch 3115 S Dixie Dr 45439 (937) 294-1991 No 1.70
Standard Register CU Main Office 175 Campbell St 45401 (937) 223-3333 No 1.84
Dayton Firefighters CU Main Office 338 S Patterson Blvd 45402 (937) 228-1614 No 2.15
Wright-dunbar Area CU Coriinthian Branch 700 S James H McGee Blvd 45417 (937) 223-1101 No 2.55
Code CU Dayton 355 W Monument Ave 45402 (937) 222-8971 No 2.77

Universal 1 Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Universal 1 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 8.92 4.19 5.29 4.13 4.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 152 304 360 159 132
Rank Among All Ohio Credit Unions 24 91 84 36 21

Universal 1 Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.15 0.15 2.00 2.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 119 124 38 49
Rank Among All Ohio Credit Unions 16 19 34 5 6
Universal 1 Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9205,70615,616,539
All Other Unsecured Loans/Lines of Credit 8.9903,6889,162,000
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.1904,970105,615,466
Used Vehicle Loans 5.29010,073139,968,582
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.13040431,182,308
Total Other Real Estate Loans/Lines of Credit 4.25059014,250,695
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.2401,39918,423,743
TOTAL LOANS & LEASES 26,830334,219,333

Universal 1 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 27222,228,216163,689,096
    b. 15 Years or less 1156,255,040121,636,578
    a. > 15 years 4444,28800
    b. 15 Years or less 102,015,71200
Other Fixed Rate 00293,123,802
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 3239,05200


Closed-End Fixed Rate 1954,728,257411,342,150
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 3959,522,4383192,673,523
Open-End Fixed Rate 0000
TOTALS 99445,433,00341712,465,149


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

Universal 1 Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
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