What are the current interest rates at Universal 1 Credit Union?

Current rates for Universal 1 Credit Union include: 12-Month CD: 1.61%, 18-Month CD: 3.56%, 24-Month CD: 3.45%, 60-Month CD: 3.74%, Savings: 0.05%, MMA: 2.02%

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Universal 1 Credit Union

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Universal 1 Credit Union Rates & Review September 2026

Q: How many branches does Universal 1 Credit Union operate?

Universal 1 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 Universal 1 Credit Union?

Yes, to access services at Universal 1 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, Universal 1 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 22, 2026

Universal 1 Credit Union's 60 Month CD rates are at 3.74%, 60 Month IRA CD rates are at 3.74%, 48 Month CD rates are at 3.71%, 48 Month IRA CD rates are at 3.71%, 36 Month CD rates are at 3.64%. Universal 1 Credit Union's savings rates are at 0.05%. Universal 1 Credit Union's money market rates are at 2.02%. Universal 1 Credit Union's Auto Loan Rates are as low as 3.99%. Universal 1 Credit Union's Credit Card Rates are at 7.00%. MonitorBankRates evaluates the financial stability of Universal 1 Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.86%. Rates last updated and verified on 09/22/2026.

Universal 1 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 Universal 1 Credit Union? Share your experience about Universal 1 Credit Union by leaving a review below, or read customer reviews before you decide to use Universal 1 Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.86%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Universal 1 Credit Union
Main Office

1 River Park Dr
Dayton, OH 45409-2104

https://www.universal1cu.org

Universal 1 Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	3.68%	3.74%	60 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
60 Month IRA Certificate	3.68%	3.74%	60 Months
Min Balance $1,000 Details IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
48 Month Certificate	3.65%	3.71%	48 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
48 Month IRA Certificate	3.65%	3.71%	48 Months
Min Balance $1,000 Details IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
36 Month Certificate	3.58%	3.64%	36 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
12 Month Certificate	3.50%	3.56%	12 Months
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
12 Month IRA Certificate	3.50%	3.56%	12 Months
Min Balance $500 Details IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
13 Month Certificate	3.50%	3.56%	13 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
18 Month Certificate	3.50%	3.56%	18 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
6 Month Certificate	3.50%	3.56%	6 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
7 Month Certificate	3.50%	3.56%	7 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
24 Month Certificate	3.40%	3.45%	24 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
24 Month IRA Certificate	3.40%	3.45%	24 Months
Min Balance $1,000 Details IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
30 Month Certificate	3.40%	3.45%	30 Months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
30 Month IRA Certificate	3.40%	3.45%	30 Months
Min Balance $1,000 Details IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
12 Month Money Saver Certificate	1.60%	1.61%	12 Month
Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
3 Month HSA Certificate	1.00%	1.00%	3 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%

Universal 1 Credit Union Savings Rates

Product	Rate	APY
Savings Account	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.01 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Savings Account	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Savings Account	0.05%	0.05%
Min Balance $300 Details Balance: $300.00 - $10,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%

Universal 1 Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.50%	2.53%
Min Deposit $2,000 Min Balance $250,000 Details Balance: $250,000.01 and over; Fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Money Market	2.40%	2.43%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00; Fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Money Market	2.30%	2.32%
Min Deposit $2,000 Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00; Fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Money Market	2.20%	2.22%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00; Fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Money Market	2.10%	2.12%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00; Fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Money Market	2.00%	2.02%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000.00 - $10,000.00; Fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%

Universal 1 Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HOME EQUITY	-	-	9.49%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%

Universal 1 Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
NEW AUTO LOAN	-	-	3.99%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%

Universal 1 Credit Union Credit Card Rates

Product	Rate	APR	View More
CREDIT CARD	-	7.00%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%

Universal 1 Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Passbook	0.10%	-	0.10%
Details IRA - Dividends paid monthly. Early withdrawals of Certificates are subject to substantial interest penalties. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Universal Freedom 500	0.05%	-	0.05%
Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Vacation & Holiday	0.10%	-	0.10%
Min Balance $50 Details Balance: $50.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%

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

Universal 1 Credit Union’s Texas Ratio fell from 8.67% in Q2 2023 to 3.86% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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
March 31, 2026	$429M	3.86%	5.0	A+
December 31, 2025	$422M	5.95%	5.0	A+
September 30, 2025	$419M	7.18%	5.0	A
June 30, 2025	$424M	7.61%	5.0	A
March 31, 2025	$424M	6.33%	5.0	A
December 31, 2024	$418M	7.13%	5.0	A
September 30, 2024	$416M	8.92%	5.0	A
June 30, 2024	$418M	7.95%	5.0	A
March 31, 2024	$418M	9.08%	5.0	A
December 31, 2023	$417M	10.28%	5.0	A
September 30, 2023	$426M	9.31%	5.0	A
June 30, 2023	$442M	8.67%	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 Universal 1 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 Universal 1 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 Universal 1 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Universal 1 Credit Union

Website https://www.universal1cu.org

Address 1 River Park Dr, Dayton, OH 45409-2104

Phone 937-225-6800

Fax 937-225-9266

President Jeffrey Gammell

CEO Jessica Jones

Full-Time Employees 79

Part-Time Employees 0

Branch Locations 9

ATM Locations 8

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.86%

Return on Assets (ROA)

0.1478%

Return on Equity (ROE)

1.2225%

Non-Performing Loans Ratio (NPL)

1.13%

Total Assets

429,092,223

Total Amount of Shares and Deposits

375,284,731

Total Shares and Deposits < 1 Year

344,190,967

Total Shares and Deposits 1 3 Years

19,904,173

Total Shares and Deposits > 3 Years

11,189,591

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

9,868,349

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

9,868,349

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

365,416,382

Total Interest Expense (Sum of items 6 8)

1,215,738

Share Certificates

2,600

Number of Accounts for Share Drafts

15,850

IRA KEOGH Accounts

1,104

Number of Accounts for Regular Shares

32,480

All other shares

1,742

Money Market Shares

1,033

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)

43,934,764

Total Liabilities

379,025,706

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Universal 1 Credit Union earned the Verified Healthy badge

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Average Rating

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Total Reviews

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Frequently Asked Questions About Universal 1 Credit Union

How many branches does Universal 1 Credit Union operate?

Universal 1 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 Universal 1 Credit Union?

Yes, to access services at Universal 1 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, Universal 1 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, Universal 1 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Universal 1 Credit Union offer online and mobile banking?

Most modern institutions like Universal 1 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.universal1cu.org.