What are the current interest rates at Credit Union of Ohio?

Current rates for Credit Union of Ohio include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.75%, Savings: 0.10%, MMA: 1.35%

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Credit Union of Ohio

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Credit Union of Ohio Rates & Review October 2026

Q: How many branches does Credit Union of Ohio operate?

Credit Union of Ohio 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 Credit Union of Ohio?

Yes, to access services at Credit Union of Ohio, 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: Is there a first-time homebuyer program?

Currently, Credit Union of Ohio 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union of Ohio 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: October 10, 2026

Credit Union of Ohio's top rates as of October 10, 2026 are 3.75% APY on its 60 Month Regular CDs & IRAs CD, 0.10% APY on savings, 1.35% APY on money market accounts, 0.15% APY on checking, personal loans from 12.36% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Credit Union of Ohio CD rates include 18 month Educational Growth CD at 3.75%, 48 Month Regular CDs & IRAs at 3.60%, and 36 Month Regular CDs & IRAs at 3.55%. MonitorBankRates evaluates the financial stability of Credit Union of Ohio with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.16%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.16%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Credit Union of Ohio
Hilliard Office

5500 Britton Pkwy
Hilliard, OH 43026-7456

https://www.cuofohio.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Credit Union of Ohio CD Rates

Product	Rate	APY	Term
60 Month Regular Certificates & IRAs	3.69%	3.75%	60 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45% Oct 10, 20263.75%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
18 month Educational Growth Certificate	3.69%	3.75%	18 months
Min Deposit $200 Details Term: Matures on 18th birthday; APY = Annual Percentage Yield Fixed Rate. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
48 Month Regular Certificates & IRAs	3.54%	3.60%	48 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 10, 20263.60%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
36 Month Regular Certificates & IRAs	3.49%	3.55%	36 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45% Oct 10, 20263.55%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
12 Month Regular Certificates & IRAs	3.45%	3.50%	12 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20% Oct 10, 20263.50%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
18 Month Regular Certificates & IRAs	3.45%	3.50%	18 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20% Oct 10, 20263.50%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
24 Month Regular Certificates & IRAs	3.45%	3.50%	24 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.10% → 3.50% ▲ 0.40 pts · high 3.50% / low 3.10% Oct 10, 20263.50%▲ from 3.10% Sep 18, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
6 Month Regular Certificates & IRAs	3.25%	3.30%	6 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25% Oct 10, 20263.30%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Bump Up Certificate - 20 month	3.20%	3.25%	20 months
Min Deposit $5,000 Details Bump Up is a one-time adjustment to current rate, up to 100 basis points. Dividends compound quarterly. There is a penalty for early withdrawal. Exercising your bump-up option means that your rate will adjust to the stated current rate at the time you exercise the option. Maximum rate adjustment of 100 basis points. The new rate will carry forward from the date you exercise the bump-up option and will not be retroactive. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Bump Up Certificate - 30 month	3.20%	3.25%	30 months
Min Deposit $10,000 Details Bump Up is a one-time adjustment to current rate, up to 100 basis points. Dividends compound quarterly. There is a penalty for early withdrawal. Exercising your bump-up option means that your rate will adjust to the stated current rate at the time you exercise the option. Maximum rate adjustment of 100 basis points. The new rate will carry forward from the date you exercise the bump-up option and will not be retroactive. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
3 Month Regular Certificates & IRAs	3.01%	3.05%	3 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.05% ▼ 0.20 pts · high 3.25% / low 3.05% Oct 10, 20263.05%▼ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Credit Union of Ohio Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
Min Deposit $0 Min Balance $100 Details Balance: $100 & greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
IRA Savings	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Balance: $25 & greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Youth & Young Adult Savings	0.10%	0.10%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 & greater; The Youth or Young Adult Share Savings account is eligible for ages 24 and under only, and upon the primary accountholder's 25th birthday, this account will automatically convert to a Regular Share Savings account, subject to its rates and conditions. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Share Savings	0.02%	0.02%
Min Deposit $5 Min Balance $200 Details Balance: $200 & greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Credit Union of Ohio Money Market Rates

Product	Rate	APY
Regular Money Market	1.34%	1.35%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 & greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Regular Money Market	1.29%	1.30%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $74,999.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Regular Money Market	1.29%	1.30%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Young Adult Money Market	1.29%	1.30%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 & greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Regular Money Market	1.04%	1.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Young Adult Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details Balance: Up to $999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Young Adult Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details Balance: Up to $999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Regular Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Regular Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Credit Union of Ohio Checking Rates

Product	Rate	APY
Checking Plus	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 & greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Checking Plus	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Credit Union of Ohio Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	7.50%	-	7.93%	up to 240 months
Details Loan-to-Value: Up to 80%; APR based on $75,000 loan with $758 in closing costs. Fixed rate. Rate may vary based on term. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.93% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Home Equity Loan	7.75%	-	8.18%	up to 240 months
Details Loan-to-Value: Up to 90%; APR based on $75,000 loan with $758 in closing costs. Fixed rate. Rate may vary based on term. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.93% → 8.18% ▲ 0.25 pts · high 8.18% / low 7.93% Sep 18, 20268.18%▲ from 7.93% Sep 14, 20267.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Home Equity Loan	7.50%	-	8.37%
Details Fixed-rate option with a one-time lump sum disbursed at closing. Best for one-time, substantial expenses such as home renovations, debt consolidation, or other large spending needs. Last Updated 10/10/2026 Rate History No change since Oct 2, 2026 · 8.37% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Credit Union of Ohio Auto Loan Rates

Product	Rate	Points	APR	Term
Auto/Motorcycle Loans	-	-	5.19%	72 months
Details Rates As Low As 5.19%; Same-rate financing up to 72 months; 5.45% APR based on a $30,000 loan at the maximum term with a $225 processing fee. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 5.19% ▼ 0.06 pts · high 5.25% / low 5.19% Oct 10, 20265.19%▼ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loan	-	-	5.24%
Details Victor B. is going to save over $6,100 after refinancing his auto loan to Credit Union of Ohio. Previously he was paying 12.4% on his loan, but after the refinance, he has dropped to a rate of 5.24% APR. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto & Motorcycle Loan	5.19%	-	5.45%	Up to 72 months
Details New and used; APRs shown are based on a $30,000 loan at the maximum term with a $225 processing fee. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 5.45% ▲ 0.20 pts · high 5.45% / low 5.25% Oct 10, 20265.45%▲ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto & Motorcycle Loan	6.19%	-	6.45%	Up to 84 months
Details New vehicles only; APRs shown are based on a $30,000 loan at the maximum term with a $225 processing fee. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.22% → 6.45% ▲ 0.23 pts · high 6.45% / low 6.22% Oct 10, 20266.45%▲ from 6.22% Sep 14, 20266.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto & Motorcycle Loan	7.19%	-	7.46%	Up to 48 months
Details 2018 and older; APRs shown are based on a $30,000 loan at the maximum term with a $225 processing fee. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.38% → 7.46% ▲ 0.08 pts · high 7.46% / low 7.38% Oct 10, 20267.46%▲ from 7.38% Sep 14, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Credit Union of Ohio RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat & RV Loan - New	8.50%	8.89%
Details APRs shown are based on a $30,000 loan at the maximum term with a $225 processing fee. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Boat & RV Loan - Used	8.75%	9.26%
Details APRs shown are based on a $30,000 loan at the maximum term with a $225 processing fee. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Credit Union of Ohio Credit Card Rates

Product	Rate	APR
Platinum VISA Credit Card	-	9.90%
Details Published APR range: 9.90% - 19.90%. Variable Rate. Rate based on the Prime Rate as reported in Wall Street Journal on the last business day of the previous calendar month plus a margin of 8.99%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Visa Platinum	-	9.90%
Details Published APR range: 9.90% - 19.90%. Fixed rate; 25-day grace period; No balance transfer fee; No annual fee; Visa purchase alerts; Great for those who carry a balance or consolidating credit card debt. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Young Adult VISA Credit Card	-	12.90%
Details Published APR range: 12.90% - 22.90%. Variable Rate. Rate based on the Prime Rate as reported in Wall Street Journal on the last business day of the previous calendar month plus a margin of 8.99%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Visa Rewards	-	15.99%
Details Published APR range: 15.99% - 24.99%. Earn 1% cash back on purchases; Rewards earned monthly; Variable rate; Apple Pay, Google Pay, Samsung Pay; Tap to Add Card; 25-day grace period; No balance transfer fee; No annual fee; Visa purchase alerts; Great for cardholders who are looking to earn cash back on all purchases.; Rate will vary based on the Prime Rate as reported in Wall Street Journal on the last business day of the previous calendar month. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 15.74% → 15.99% ▲ 0.25 pts · high 15.99% / low 15.74% Oct 10, 202615.99%▲ from 15.74% Sep 14, 202615.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Credit Union of Ohio Personal Loan Rates

Product	APR	Term	View More
Personal Loan	12.36%	Up to 60 months
Details APRs shown are based on $20,000 loan at the maximum term with a $95 processing fee. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.36% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Credit Union of Ohio Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loan SPECIAL	10.95%	-	11.43%	Up to 24 months
Details Holiday Loan Special financing up to 24 months. Existing CUO loans are ineligible for Holiday Loan Special refinancing. This offer may end at any time. APRs shown are based on $20,000 loan at the maximum term with a $95 processing fee. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Home Equity Line of Credit (HELOC)	3.99%	-	8.37%	6 months
Details Variable option where you can borrow as needed during the draw period. Ideal for expenses that come and go-like phased projects, seasonal costs, or long-term money reserve. After introductory period, rate may vary based upon following: credit rating, value of collateral, and term. This offer may change at any time. Maximum LTV 90%. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.37% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Line of Credit SPECIAL	3.99%	-	8.37%
Details Loan-to-Value: Up to 80%; APR based on $75,000 loan with $726 in closing costs. Home Equity Line of Credit Special subject to change at any time. After introductory period, rate will be the higher between the rate floor (4.00%) and the Prime Rate(80% LTV) or Prime Rate plus 0.25% (90% LTV) as reported in the Wall Street Journal on the last day of the previous calendar month. Rate will not exceed 18.00% APR. \| Rate stated as: 3.99% for 6 months Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 8.31% → 8.37% ▲ 0.06 pts · high 8.37% / low 8.31% Oct 10, 20268.37%▲ from 8.31% Sep 18, 20268.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Line of Credit SPECIAL	3.99%	-	8.66%
Details Loan-to-Value: Up to 90%; APR based on $75,000 loan with $726 in closing costs. Home Equity Line of Credit Special subject to change at any time. After introductory period, rate will be the higher between the rate floor (4.00%) and the Prime Rate(80% LTV) or Prime Rate plus 0.25% (90% LTV) as reported in the Wall Street Journal on the last day of the previous calendar month. Rate will not exceed 18.00% APR. \| Rate stated as: 3.99% for 6 months Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 8.31% → 8.66% ▲ 0.35 pts · high 8.66% / low 8.31% Oct 10, 20268.66%▲ from 8.31% Sep 18, 20268.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Silver ADVANTAGE	0.15%	-	0.15%
Min Deposit $0 Min Balance $0 Details Balance: $0.01 & greater Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Credit Union of Ohio’s Texas Ratio rose from 3.85% in Q3 2023 to 5.16% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
June 30, 2026	$205M	5.16%	5.0	A+
March 31, 2026	$208M	3.79%	5.0	A+
December 31, 2025	$207M	4.03%	5.0	A+
September 30, 2025	$203M	4.80%	5.0	A+
June 30, 2025	$203M	3.22%	5.0	A+
March 31, 2025	$204M	4.19%	5.0	A+
December 31, 2024	$202M	6.21%	5.0	A
September 30, 2024	$197M	5.75%	5.0	A+
June 30, 2024	$201M	5.20%	5.0	A+
March 31, 2024	$204M	3.95%	5.0	A+
December 31, 2023	$205M	5.11%	5.0	A+
September 30, 2023	$210M	3.85%	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 Credit Union of Ohio 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 Credit Union of Ohio 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 Credit Union of Ohio's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union of Ohio

Website https://www.cuofohio.org

Address 5500 Britton Pkwy, Hilliard, OH 43026-7456

Phone 614-487-6650

Fax 614-487-6641

President Aristotle Hutras

CEO Rich Capuano

Full-Time Employees 44

Part-Time Employees 0

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.16%

Return on Assets (ROA)

0.0955%

Return on Equity (ROE)

0.8905%

Non-Performing Loans Ratio (NPL)

1.34%

Total Assets

205,446,300

Total Amount of Shares and Deposits

187,909,135

Total Shares and Deposits < 1 Year

176,581,582

Total Shares and Deposits 1 3 Years

8,992,230

Total Shares and Deposits > 3 Years

2,335,323

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

5,197,522

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

5,197,522

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

182,711,613

Total Interest Expense (Sum of items 6 8)

920,118

Share Certificates

1,962

Number of Accounts for Share Drafts

10,498

IRA KEOGH Accounts

397

Number of Accounts for Regular Shares

25,190

Money Market Shares

1,753

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)

10,500,504

Total Liabilities

183,430,735

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Credit Union of Ohio earned the Verified Healthy badge

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Frequently Asked Questions About Credit Union of Ohio

How many branches does Credit Union of Ohio operate?

Credit Union of Ohio 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 Credit Union of Ohio?

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

Does Credit Union of Ohio offer online and mobile banking?

Most modern institutions like Credit Union of Ohio 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.cuofohio.org.

Current Credit Union of Ohio Rates

12-Month CD3.50%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD3.75%
Savings0.10%
MMA1.35%

Retrieved from our database of financial products. Rates subject to change.

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Credit Union of Ohio Rates & Review October 2026

Brian McKay

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Financials

Credit Union of Ohio earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Credit Union of Ohio

How many branches does Credit Union of Ohio operate?

Is a member application needed to join Credit Union of Ohio?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Credit Union of Ohio offer online and mobile banking?

Current Credit Union of Ohio Rates

Compare to Other Credit Unions