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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Directions Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 2, 2026
Directions Credit Union's 60 Month CD rates are at 3.76%, 48 Month CD rates are at 3.71%, 36 Month CD rates are at 3.66%, 30 Month CD rates are at 3.61%, 12 Month CD rates are at 3.56%. Directions Credit Union's savings rates are at 0.10%. Directions Credit Union's money market rates are at 0.35%. MonitorBankRates evaluates the financial stability of Directions Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.50%. Rates were last updated on 04/02/2026. Directions Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Directions Credit Union? Share your experience about Directions Credit Union by leaving a review below, or read customer reviews before you decide to use Directions Credit Union. Directions Credit Union
Corporate Office 200 N Saint Clair St Ste 1600
https://www.directionscu.org Toledo, OH 43604 1549 
Directions Credit Union CD Rates
Directions Credit Union Savings Rates
Directions Credit Union Money Market Rates
Directions Credit Union Checking Rates
Directions Credit Union Home Equity & HELOC
Directions Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Directions Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Directions Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Directions Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Directions Credit Union
Website
https://www.directionscu.org
Address
200 N Saint Clair St Ste 1600,
Toledo, OH 43604 1549
Phone
419-841-9838
Fax
President
Mark Kott
CEO
Barry Shaner
Full-Time Employees
287
Part-Time Employees
6
Branch Locations
21
ATM Locations
23
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.50%
Return on Assets (ROA)
0.3158%
Return on Equity (ROE)
3.4008%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
1,338,245,932
Total Amount of Shares and Deposits
1,156,515,741
Total Shares and Deposits < 1 Year
1,042,750,662
Total Shares and Deposits 1 3 Years
101,235,254
Total Shares and Deposits > 3 Years
12,529,825
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
54,489,139
Total Uninsured Shares and Deposits > $250K (F+J)
54,489,139
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,102,026,602
Total Interest Expense (Sum of items 6 8)
15,671,557
Share Certificates
7,340
Number of Accounts for Share Drafts
52,585
IRA KEOGH Accounts
2,448
Number of Accounts for Regular Shares
101,351
All other shares
15,822
Money Market Shares
5,976
Net Income (unless the amount is already included in Undivided Earnings)
4,226,074
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
130,903,875
Total Liabilities
1,212,339,468
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Directions Credit UnionIs Directions Credit Union a safe place to deposit money?Yes, Directions Credit Union is considered a safe financial institution. With a Texas Ratio of 3.4995762997917%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Directions Credit Union operate?Directions Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Directions Credit Union?Yes, to access services at Directions Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Directions Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Directions Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Directions Credit Union offer online and mobile banking?Most modern institutions like Directions Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.directionscu.org. Current Directions Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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