Credit union · NCUA insured
Universal 1 Credit Union
Top CarrotA $429.1M credit union headquartered in Dayton, OH, with 38,419 members and 9 branches in Ohio. Best rates: CDs 3.74% and savings 2.02% APY.
Universal 1 Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#5 of 28 in Dayton, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Universal 1 Credit Union
Universal 1 Credit Union was formed in 1937 as the National Cash Register Employees Credit Union by seven Charter members contributing $10 each, later adopting its current name in 1995.
The member-owned credit union is known for serving the greater Dayton, Ohio community as well as Ohio communities and members nationwide.
- Headquarters
- 1 River Park Dr, Dayton, OH 45409-2104
- NCUA charter
- 64970
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is available to individuals who live, work, worship, or attend school in Butler, Clark, Clinton, Darke, Fayette, Franklin, Greene, Guernsey, Highland, Licking, Miami, Montgomery, Pickaway, Pike, Preble, Ross, Shelby, or Warren County.
Employers and groups
- Eligibility is available to individuals who belong to a select Employee Group (SEG) or work with one of U1's company partners.
Family and household
- Eligibility is available to individuals who have a family member with a U1 account.
Cost to join
- At formation in 1937, seven Charter members each contributed $10.
Branches
9 branches in Ohio
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Ohio
9 branches
Dayton area · 7
- Main OfficeMain office1 River Park Dr, Dayton, OH 45409Directions
- Beavercreek2450 Esquire Dr, Beavercreek, OH 45431Directions
- Huber Heights2933 Harshman Rd, Dayton, OH 45424Directions
- Miami Valley Hospital1 Wyoming St, Dayton, OH 45409Directions
- Sugarcreek6270 Wilmington Pike, Dayton, OH 45459Directions
- Austin Park9900 Springboro Pike, Miamisburg, OH 45342Directions
- Vandalia718 S Dixie Dr, Vandalia, OH 45377Directions
Chillicothe area · 1
- Chillicothe1080 N Bridge St, Chillicothe, OH 45601Directions
Sidney area · 1
- Sidney2835 Michigan St, Sidney, OH 45365Directions
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 | 12.42% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.53% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.71% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $58 | $76 | — |
- CapitalNet worth ratio12.42%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.53%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.71%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$58Peers’ 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 Universal 1 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.