Credit union · NCUA insured
UTFCU
A $100.6M credit union headquartered in Toledo, OH, with 5,173 members and 3 branches in Ohio. Best rates: CDs 4.00% and savings 2.27% APY.
UTFCU Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#8 of 31 in Toledo, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UTFCU
Founded in 1964 in Toledo, Ohio, the credit union was originally established to serve employees of The University of Toledo.
In 1976, the institution officially changed its name to University of Toledo Federal Credit Union and expanded service to Medical College of Ohio employees.
- Headquarters
- 5248 Hill Ave, Toledo, OH 43615-5868
- NCUA charter
- 16174
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the University of Toledo Alumni Association can join the credit union (non-alumni may join the Alumni Association to qualify).
Military, government and schools
- Faculty, staff, physicians, residents, and students of the University of Toledo are eligible to join the credit union.
Family and household
- Direct family members (mom, dad, brother, sister, son, and daughter) of an existing UTFCU member are eligible to join.
Cost to join
- A minimum of $5.00 Membership Share deposit is required for UTFCU membership.
Branches
3 branches in Ohio
Loading map…
Ohio
3 branches
- Hill Ave OfficeMain office5248 Hill Ave, Toledo, OH 43615Directions
- Health Science Campus3025 Library Cir, Mulford Library Room 013E - Mailstop 1080, Toledo, OH 43614Directions
- UT Main Campus Office2801 W Bancroft St, Student Union Building Room 1570 - Mail Stop 124, Toledo, OH 43606Directions
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 | 11.30% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.27% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.88% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio11.30%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.27%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ 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 UTFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.