What are the current interest rates at DOY Federal Credit Union?

Current rates for DOY Federal Credit Union include: Savings: 2.82%

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DOY Federal Credit Union

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DOY Federal Credit Union Rates & Review September 2026

Q: How many branches does DOY Federal Credit Union operate?

DOY Federal 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.

Q: Is a member application needed to join DOY Federal Credit Union?

Yes, to access services at DOY Federal 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, DOY Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

DOY Federal Credit Union's savings rates are at 2.82%. DOY Federal Credit Union's Auto Loan Rates are as low as 4.49%. MonitorBankRates evaluates the financial stability of DOY Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.07%. Rates last updated and verified on 09/21/2026.

DOY Federal 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 DOY Federal Credit Union? Share your experience about DOY Federal Credit Union by leaving a review below, or read customer reviews before you decide to use DOY Federal Credit Union.

Ranked #34 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.07%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

DOY Federal Credit Union
DOY Federal Credit Union Main Offices

1500 Gypsy Ln
Youngstown, OH 44505-1832

https://doyfcu.com

DOY Federal Credit Union Savings Rates

Product	Rate	APY
Savings and Club Accounts	-	3.30%
Min Balance $30,000 Details Balance: $30,000 and up Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Savings and Club Accounts	-	3.00%
Min Balance $15,000 Details Balance: $15,000 - $29,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Savings and Club Accounts	-	2.90%
Min Balance $7,500 Details Balance: $7,500 - $14,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Savings and Club Accounts	-	2.85%
Min Balance $2,000 Details Balance: $2,000 - $7,499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Savings and Club Accounts	-	2.82%
Min Balance $500 Details Balance: $500 - $1,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

DOY Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Car Loans	-	-	4.49%
Details As Low As; Rates for new vehicles. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

DOY Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Lease Buyout Loans	-	-	4.99%
Details As Low As; For members who want to purchase their leased vehicle. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

DOY Federal Credit Union’s Texas Ratio stayed near 0.20% in Q2 2023 to 0.07% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$70M	0.07%	5.0	A+
December 31, 2025	$69M	0.08%	5.0	A+
September 30, 2025	$67M	0.12%	5.0	A+
June 30, 2025	$67M	0.11%	5.0	A+
March 31, 2025	$65M	0.12%	5.0	A+
December 31, 2024	$63M	0.13%	5.0	A+
September 30, 2024	$62M	0.19%	5.0	A+
June 30, 2024	$62M	0.49%	5.0	A+
March 31, 2024	$61M	3.38%	5.0	A+
December 31, 2023	$59M	0.33%	5.0	A+
September 30, 2023	$56M	0.18%	5.0	A+
June 30, 2023	$57M	0.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for DOY Federal 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 DOY Federal 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 DOY Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name DOY Federal Credit Union

Website https://doyfcu.com

Address 1500 Gypsy Ln, Youngstown, OH 44505-1832

Phone 330-744-5680

Fax 330-744-5835

President John Thomas

CEO Teresa Norris

Full-Time Employees 2

Part-Time Employees 3

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.07%

Return on Assets (ROA)

0.1880%

Return on Equity (ROE)

1.3359%

Non-Performing Loans Ratio (NPL)

0.03%

Total Assets

70,060,826

Total Amount of Shares and Deposits

60,184,284

Total Shares and Deposits < 1 Year

60,184,284

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,612,758

Total Uninsured Shares and Deposits > $250K (F+J)

2,612,758

Total Insured Shares and Deposits > $250K (item 17 less item K)

57,571,526

Total Interest Expense (Sum of items 6 8)

477,266

Number of Accounts for Share Drafts

218

Number of Accounts for Regular Shares

2,422

All other shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

827,793

Total Liabilities

60,198,723

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

DOY Federal Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #34 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

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Frequently Asked Questions About DOY Federal Credit Union

How many branches does DOY Federal Credit Union operate?

DOY Federal 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 DOY Federal Credit Union?

Yes, to access services at DOY Federal 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, DOY Federal 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, DOY Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does DOY Federal Credit Union offer online and mobile banking?

Most modern institutions like DOY Federal 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://doyfcu.com.