Credit union · Privately insured
MyUSA Credit Union
A $355.9M credit union headquartered in Middletown, OH, with 18,337 members and 8 branches in Ohio. Best rates: CDs 3.75% and savings 0.07% APY.
MyUSA Credit Union Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#22 of 28 in Dayton, OH metroHow the score works →
Deposits are privately insured, not by the federal government.
About MyUSA Credit Union
MyUSA Credit Union is a member-owned financial institution that has operated for nearly a century, originally founded to serve employees in the steel and communications industries.
Headquartered in Middletown, Ohio, the credit union serves Butler, Clark, Greene, Miami, Montgomery, and Warren counties throughout Southwest Ohio.
- Headquarters
- 3600 Towne Blvd, Middletown, OH 45005-5543
- NCUA charter
- 96755
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Butler, Clark, Greene, Miami, Montgomery, or Warren counties is eligible for membership.
Cost to join
- A $5 opening deposit is required to open an account and become a member.
Branches
8 branches in Ohio
Loading map…
Ohio
8 branches
Dayton area · 4
- Kettering21 W Dorothy Ln, Kettering, OH 45429Directions
- Reynolds and Reynolds1 Reynolds Way, Kettering, OH 45430Directions
- Moraine3115 S Dixie Dr, Moraine, OH 45439Directions
- Vandalia536 W National Rd, Vandalia, OH 45377Directions
Cincinnati area · 3
- PlazaMain office3600 Towne Blvd, Middletown, OH 45005Directions
- Crawford1201 Crawford St, Middletown, OH 45044Directions
- Trenton933 W State St, Trenton, OH 45067Directions
Springfield area · 1
- Springfield1620 Upper Valley Pike, Springfield, OH 45504Directions
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 | 14.20% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.34% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio14.20%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.34%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ 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 MyUSA Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.