Credit union · NCUA insured
Impact Credit Union
A $207.6M credit union headquartered in Clyde, OH, with 14,160 members and 5 branches in Ohio. Best rates: CDs 3.72% and savings 0.75% APY.
Impact Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#2 of 12 in Findlay, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Impact Credit Union
Impact Credit Union is a member-owned credit union based in Clyde, Ohio, serving individuals who live, work, worship, or attend school in Sandusky, Seneca, Hancock, and Wood counties.
Established in 1937 as Davidson Clyde Federal Credit Union, it underwent several renamings and a 1971 merger with Findlay Division Whirlpool Federal Credit Union before reorganizing as a state-chartered credit union in 1994.
- Headquarters
- 1455 W McPherson Hwy, Clyde, OH 43410
- NCUA charter
- 68150
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, worship, or attend school in Sandusky, Seneca, Hancock, and Wood counties.
Branches
5 branches in Ohio
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Ohio
5 branches
Fremont area · 2
- Impact Credit UnionMain office1455 W McPherson Hwy, Clyde, OH 43410Directions
- Impact Credit Union Fremont Office1466 Oak Harbor Rd, Fremont, OH 43420Directions
Findlay area · 2
- Impact Credit Union East Office14901 E State Route 12, Findlay, OH 45840Directions
- Impact Credit Union North Office11814 Townsip Road 100, Findlay, OH 45840Directions
Tiffin area · 1
- Impact Credit Union Tiffin Office435 W Market St, Tiffin, OH 44883Directions
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 | 8.86% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.29% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio8.86%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.29%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Impact Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.