Credit union · NCUA insured
Directions Credit Union
Top CarrotA $1.4B credit union, the 362nd largest of 4,329, headquartered in Toledo, OH, with 97,389 members and 21 branches in 2 states. Best rates: CDs 4.18% and savings 2.43% APY.
Directions Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#3 of 31 in Toledo, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Directions Credit Union
Founded in 1953 in Toledo, Ohio, Directions Credit Union is a member-owned, not-for-profit financial cooperative.
Originally established as Toledo St. Clement Credit Union, it became Toledo Area Catholic Credit Union in 1989 before adopting the Directions Credit Union name in 2008.
The credit union serves more than 100,000 members across communities throughout Ohio and lower Michigan.
- Headquarters
- 200 N Saint Clair St Ste 1600, Toledo, OH 43604-1549
- NCUA charter
- 60978
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in specified counties in Ohio (Ashland, Crawford, Erie, Fulton, Huron, Knox, Lorain, Lucas, Medina, Morrow, Ottawa, Richland, Sandusky, Seneca, Tuscarawas, Wayne, Wood) or lower Michigan (Monroe, Lenawee) are eligible for membership.
Family and household
- Family members (grandparents, parents, spouse, siblings, children, grandchildren) and household members of eligible members are eligible to join.
Branches
21 branches in 2 states
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Ohio
18 branches
Toledo area · 9
- Maumee3321 Briarfield Blvd, Maumee, OH 43537Directions
- South1446 Reynolds Rd, Maumee, OH 43537Directions
- Oregon3312 Dustin Rd, Oregon, OH 43616Directions
- Perrysburg/Levis Commons4150 Brockway Dr, Perrysburg, OH 43551Directions
- Rossford27427 Crossroads Pkwy, Rossford, OH 43460Directions
- Whiteford5121 Whiteford Rd, Sylvania, OH 43560Directions
- Summit/Downtown215 N Summit St Ste E, Toledo, OH 43604Directions
- West Branch3000 Tremainsville Rd, Toledo, OH 43613Directions
- Westgate3450 W Central Ave, Suite 128, Toledo, OH 43606Directions
Mansfield area · 5
- Lexington340 W Main St, Lexington, OH 44904Directions
- Madison/Central OH Ops1434 Ashland Rd, Mansfield, OH 44905Directions
- South Diamond460 S Diamond St, Mansfield, OH 44902Directions
- Ontario1690 W 4th St, Ontario, OH 44906Directions
- Shelby29 Mansfield Ave, Shelby, OH 44875Directions
Ashland area · 1
- Ashland1306 Cleveland Ave, Ashland, OH 44805Directions
New Philadelphia area · 1
- New Philadelphia1127 4th St NW, New Philadelphia, OH 44663Directions
Norwalk area · 1
- Willard1 N Myrtle Ave, Willard, OH 44890Directions
Wooster area · 1
- Wooster2258 Eagle Pass, Wooster, OH 44691Directions
Michigan
3 branches
- Dundee107 Waterstradt Commerce Dr, Ste E, Dundee, MI 48131Directions
- Sterns3558 Sterns Rd, Lambertville, MI 48144Directions
- Telegraph15470 S Telegraph Rd, Monroe, MI 48161Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.66% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.37% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.15% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalNet worth ratio9.66%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.37%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.15%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Directions Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.