|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Universal 1 Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Universal 1 Credit Union's 60 month rates are at 3.74%, 60 month IRA CD rates are at 3.74%, 48 month rates are at 3.71%, 48 month IRA CD rates are at 3.71%, 36 month rates are at 3.64%. Universal 1 Credit Union's money market rates are at 2.02%. Universal 1 Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Universal 1 Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.18%. Rates last updated and verified on 08/28/2026. Universal 1 Credit Union 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 Universal 1 Credit Union? Share your experience about Universal 1 Credit Union by leaving a review below, or read customer reviews before you decide to use Universal 1 Credit Union. Universal 1 Credit Union
Main Office 1 River Park Dr
https://www.universal1cu.org Dayton, OH 45409 2104 
Universal 1 Credit Union CD Rates
Universal 1 Credit Union Money Market Rates
Universal 1 Credit Union Home Equity & HELOC
Universal 1 Credit Union Auto Loan Rates
Universal 1 Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Universal 1 Credit Union 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 Universal 1 Credit Union 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 Universal 1 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Universal 1 Credit Union
Website
https://www.universal1cu.org
Address
1 River Park Dr,
Dayton, OH 45409 2104
Phone
937-225-6800
Fax
937-225-9266
President
Jeffrey Gammell
CEO
Jessica Jones
Full-Time Employees
73
Part-Time Employees
0
Branch Locations
9
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.18%
Return on Assets (ROA)
0.9247%
Return on Equity (ROE)
7.5946%
Non-Performing Loans Ratio (NPL)
2.01%
Total Assets
419,488,961
Total Amount of Shares and Deposits
366,972,886
Total Shares and Deposits < 1 Year
335,355,040
Total Shares and Deposits 1 3 Years
20,279,477
Total Shares and Deposits > 3 Years
11,338,369
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,280,949
Total Uninsured Shares and Deposits > $250K (F+J)
8,280,949
Total Insured Shares and Deposits > $250K (item 17 less item K)
358,691,937
Total Interest Expense (Sum of items 6 8)
3,785,009
Share Certificates
2,654
Number of Accounts for Share Drafts
16,045
IRA KEOGH Accounts
1,134
Number of Accounts for Regular Shares
33,506
All other shares
1,763
Money Market Shares
1,079
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)
39,437,850
Total Liabilities
370,680,765
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Universal 1 Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Universal 1 Credit Union
Frequently Asked Questions About Universal 1 Credit UnionHow many branches does Universal 1 Credit Union operate?Universal 1 Credit Union 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 Universal 1 Credit Union?Yes, to access services at Universal 1 Credit Union, 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, Universal 1 Credit Union 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, Universal 1 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Universal 1 Credit Union offer online and mobile banking?Most modern institutions like Universal 1 Credit Union 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.universal1cu.org. Current Universal 1 Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
W Virginia State Convention Credit Union
ASA Federal Credit Union
WBH Employees Federal Credit Union
Wichita Falls Federal Credit Union
IBEW SJ Cascade Federal Credit Union
The Family Credit Union
NIAGARAS CHOICE
Southeast Financial Credit Union
Spirit Financial Credit Union
Credit Union of Emporia
United Northwest Federal Credit Union
The Morning Star Federal Credit Union
Dakota West Credit Union
Academic Employees Credit Union
Northwestern Federal Credit Union
Red Oak Credit Union
Omega Federal Credit Union
CO-OP Credit Union
Florida Central Credit Union
Intandem Credit Union
Peoria Postal Employees Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking