Credit union · NCUA insured
Dynamic Federal Credit Union
Top CarrotA $81.3M credit union headquartered in Celina, OH, with 6,268 members and 1 branch in Ohio. Best rates: CDs 4.32% and savings 2.53% APY.
Dynamic Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#2 of 6 in Celina, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Dynamic Federal Credit Union
Dynamic Federal Credit Union was chartered in 1950 as Celina Reynoco Employees Federal Credit Union in Celina, Ohio.
Now a member-owned cooperative, it converted to a community field of membership in 2003 to serve Mercer County, Ohio.
- Headquarters
- 900 E Wayne St, Celina, OH 45822
- NCUA charter
- 6747
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, worship, work, or attend school in, and businesses and other legal entities located in Mercer County, Ohio.
Employers and groups
- Employees of this credit union.
Family and household
- Members of the immediate family or household.
- Spouses of persons who died while within the field of membership of this credit union.
Other ways
- Organizations of such persons.
- Members of record of this credit union as of March 24, 2003, the date of conversion to a community field of membership.
Cost to join
- A $5.00 minimum deposit into a Principal Share savings account is required to establish membership and ownership.
Branches
1 branch in Ohio
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Ohio
1 branch
- 900 E Wayne StMain office900 E Wayne St, Celina, OH 45822Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 19.80% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.37% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.34% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $72 | $59 | — |
- CapitalNet worth ratio19.80%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.37%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.34%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$72Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Dynamic Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.