Credit union · Privately insured
KH Credit Union
Top CarrotA $69.4M credit union headquartered in Dayton, OH, with 7,774 members and 1 branch in Ohio. Best rates: CDs 4.00% and savings 2.60% APY.
KH Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#7 of 28 in Dayton, OH metroHow the score works →
Deposits are privately insured, not by the federal government.
About KH Credit Union
Founded in 1964 and based in Dayton, Ohio, KH Credit Union is a member-owned, not-for-profit financial institution.
Established to offer affordable financial services to hospital coworkers, it continues to serve Kettering Health healthcare workers, their families, and associated networks.
- Headquarters
- 7740 Paragon Rd, Dayton, OH 45459
- NCUA charter
- 97113
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of contractors and vendors of Kettering Health.
- Membership is open to physicians and staff of Kettering Health ACO.
- Membership is open to employees of Kettering Health Affiliates.
- Membership is open to employees, physicians, residents, and volunteers of Kettering Health.
- Membership is open to physicians and staff of Kettering Physicians Partners.
- Membership is open to pastors and staff within the Ohio Conference of Seventh-Day Adventists.
4 more ways to join
Employers and groups
- Membership is open to Kettering Affiliated Health Services, DBA Kettering Health Senior Living.
- Membership is open to members of Kettering Health Years Ahead.
Military, government and schools
- Membership is open to employees and students of Kettering College.
Family and household
- Credit Union members in good standing may sponsor immediate family members (spouse, father, mother, brother, sister, son, daughter, grandmother, grandfather, grandchildren, parents-in-law, step-parents, step-children, and step-sibling) for membership.
Branches
1 branch in Ohio
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Ohio
1 branch
- Paragon Road BranchMain office7740 Paragon Rd, Dayton, OH 45459Directions
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 | 12.95% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.31% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $66 | $59 | — |
- CapitalNet worth ratio12.95%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.31%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$66Peers’ 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 KH Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.