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Credit Union of Ohio Rates & Review August 2026

Credit Union of Ohio's Matures on 18th birthday Educational Growth CD rates are at 3.75%, 36 month Regular CDs & IRAs rates are at 3.45%, Bump Up CDs 20 month rates are at 3.25%, Bump Up CDs 30 month rates are at 3.25%, 3 month Regular CDs & IRAs rates are at 3.25%. Credit Union of Ohio's savings rates are at 0.02%. Credit Union of Ohio's money market rates are at 0.02%. Credit Union of Ohio's Personal Loan Rates are at 12.36%. MonitorBankRates evaluates the financial stability of Credit Union of Ohio with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.80%. Rates last updated and verified on 08/28/2026.

Credit Union of Ohio money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Credit Union of Ohio? Share your experience about Credit Union of Ohio by leaving a review below, or read customer reviews before you decide to use Credit Union of Ohio.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.80%
Excellent Lower than avg
Credit Union of Ohio
Hilliard Office
5500 Britton Pkwy
Hilliard, OH 43026 7456
https://www.cuofohio.org
Member NCUA

Credit Union of Ohio CD Rates

Product Rate APY Term View More
Matures on 18th birthday Educational Growth Certificate 3.69% 3.75% Matures on 18th birthday
Min Balance $200
Details Fixed Rate.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
36 month Regular Certificates & IRAs 3.40% 3.45% 36 months
Min Deposit $500
Details IRA Certificates: $100 min. to open. Dividends compound quarterly. There is a penalty for early withdrawal. You may make additional deposits to an IRA Certificate account only.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Bump Up Certificates 20 month 3.20% 3.25% 20 months
Min Deposit $5,000
Details Bump Up is a one-time adjustment to current rate, up to 100 basis points. Maximum rate adjustment of 100 basis points. The new rate will carry forward from the date you exercise the bump-up option and will not be retroactive.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Bump Up Certificates 30 month 3.20% 3.25% 30 months
Min Deposit $10,000
Details Bump Up is a one-time adjustment to current rate, up to 100 basis points. Maximum rate adjustment of 100 basis points. The new rate will carry forward from the date you exercise the bump-up option and will not be retroactive.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
3 month Regular Certificates & IRAs 3.20% 3.25% 3 months
Min Deposit $500
Details IRA Certificates: $100 min. to open. Dividends compound quarterly. There is a penalty for early withdrawal. You may make additional deposits to an IRA Certificate account only.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
12 month Regular Certificates & IRAs 3.15% 3.20% 12 months
Min Deposit $500
Details IRA Certificates: $100 min. to open. Dividends compound quarterly. There is a penalty for early withdrawal. You may make additional deposits to an IRA Certificate account only.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
24 month Regular Certificates & IRAs 3.06% 3.10% 24 months
Min Deposit $500
Details IRA Certificates: $100 min. to open. Dividends compound quarterly. There is a penalty for early withdrawal. You may make additional deposits to an IRA Certificate account only.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%

Credit Union of Ohio Savings Rates

Product Rate APY View More
Christmas Club 0.10% 0.10%
Min Balance $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
IRA Savings 0.10% 0.10%
Min Balance $25
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Youth & Young Adult Savings 0.10% 0.10%
Min Balance $0
Details The Youth or Young Adult Share Savings account is eligible for ages 24 and under only, and upon the primary accountholder's 25th birthday, this account will automatically convert to a Regular Share Savings account, subject to its rates and conditions.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Share Savings 0.02% 0.02%
Min Balance $200
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%

Credit Union of Ohio Money Market Rates

Product Rate APY View More
Regular Money Market 1.34% 1.35%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Regular Money Market 1.29% 1.30%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Young Adult Money Market 1.29% 1.30%
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Regular Money Market 1.04% 1.05%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Young Adult Money Market 0.10% 0.10%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Regular Money Market 0.02% 0.02%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%

Credit Union of Ohio Checking Rates

Product Rate APY View More
Checking Plus 0.15% 0.15%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Checking Plus 0.10% 0.10%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Checking Plus 0.00% 0.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%

Credit Union of Ohio Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan 7.50% - 7.93% up to 240 months
Details Loan-to-Value: Up to 80%. Fixed rate. Rate may vary based on term.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Home Equity Loan 7.75% - 8.18% up to 240 months
Details Loan-to-Value: Up to 90%. Fixed rate. Rate may vary based on term.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%

Credit Union of Ohio Auto Loan Rates

Product Rate Points APR Term View More
Vehicle Loan - - 4.99% 72 months
Details Rate as low as 4.99% current as of 08-01-2026. 5.25% APR based on $30,000 loan at 72 months with $225 processing fee. Existing CU of Ohio auto loans are not eligible. Cash back offer for refinances only and requires a minimum loan amount of $5,000, maximum cash back is $500. Funds will be deposited into your savings account upon loan closing. Interest will accrue during the 90 day deferral period and you will pay more in interest as a result of this deferral period. Loan subject to credit approval. This offer is for a limited time only and is subject to change at any time. Same-rate financing up to 72 months. Additional financing options for older model or new vehicles.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Auto Loan - - 5.24%
Details Victor B. is going to save over $6,100 after refinancing his auto loan to Credit Union of Ohio. Previously he was paying 12.4% on his loan, but after the refinance, he has dropped to a rate of 5.24% APR.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Vehicle Loan 4.99% - 5.25% Up to 72 months
Details New and used; Processing fee: $225; Loan amount: $30,000; Maximum term: 72 months
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Vehicle Loan 5.99% - 6.22% Up to 84 months
Details New vehicles only; Processing fee: $225; Loan amount: $30,000; Maximum term: 84 months
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Vehicle Loan 6.99% - 7.38% Up to 48 months
Details 2018 and older; Processing fee: $225; Loan amount: $30,000; Maximum term: 48 months
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%

Credit Union of Ohio Credit Card Rates

Product Rate APR View More
Visa Platinum - 9.90%
Details Fixed rate; 25-day grace period; No balance transfer fee; No annual fee; Visa purchase alerts; Great for those who carry a balance or consolidating credit card debt.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Young Adult Visa - 12.90%
Details Fixed rate; 25-day grace period; No balance transfer fee; No annual fee; Visa purchase alerts; Great for young adults (18-24) to establish and build credit.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%
Visa Rewards - 15.74%
Details Earn 1% cash back on purchases; Rewards earned monthly; Variable rate; 25-day grace period; No balance transfer fee; No annual fee; Visa purchase alerts; Great for cardholders who are looking to earn cash back on all purchases.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%

Credit Union of Ohio Personal Loan Rates

Product Rate APR View More
Personal Loan 12.15% 12.36%
Details APRs shown are based on $20,000 loan at the maximum term with a $95 processing fee.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.80%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Credit Union of Ohio is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Credit Union of Ohio rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Credit Union of Ohio's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union of Ohio
Address 5500 Britton Pkwy, Hilliard, OH 43026 7456
Phone 614-487-6650
Fax 614-487-6641
President Aristotle Hutras
CEO Rich Capuano
Full-Time Employees 44
Part-Time Employees 0
Branch Locations 5
ATM Locations 5
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.80%
Return on Assets (ROA)
0.0971%
Return on Equity (ROE)
0.9001%
Non-Performing Loans Ratio (NPL)
1.22%
Total Assets
202,907,587
Total Amount of Shares and Deposits
184,185,040
Total Shares and Deposits < 1 Year
174,754,575
Total Shares and Deposits 1 3 Years
6,709,285
Total Shares and Deposits > 3 Years
2,721,180
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,917,438
Total Uninsured Shares and Deposits > $250K (F+J)
3,917,438
Total Insured Shares and Deposits > $250K (item 17 less item K)
180,267,602
Total Interest Expense (Sum of items 6 8)
1,376,368
Share Certificates
1,980
Number of Accounts for Share Drafts
10,751
IRA KEOGH Accounts
421
Number of Accounts for Regular Shares
25,380
Money Market Shares
1,716
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,877,406
Total Liabilities
181,265,246
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Credit Union of Ohio earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Credit Union of Ohio

How many branches does Credit Union of Ohio operate?

Credit Union of Ohio currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Credit Union of Ohio?

Yes, to access services at Credit Union of Ohio, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Credit Union of Ohio does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union of Ohio provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union of Ohio offer online and mobile banking?

Most modern institutions like Credit Union of Ohio provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cuofohio.org.

Current Credit Union of Ohio Rates

  • 12-Month CD3.20%
  • 24-Month CD3.10%
  • Savings0.02%
  • MMA0.02%
Retrieved from our database of financial products. Rates subject to change.