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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.
 Universal 1 Credit Union Rates & Review October 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 and Verified: October 9, 2026
Universal 1 Credit Union's top rates as of October 9, 2026 are 3.74% APY on its 60 Month CD, 2.53% APY on money market accounts, personal loans from 9.49% APR, and credit cards from 10.99% APR, according to rates verified by MonitorBankRates. Other Universal 1 Credit Union CD rates include 60 Month IRA CD at 3.74%, 48 Month CD at 3.71%, and 48 Month IRA CD at 3.71%. 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 5.33%. Rates last updated and verified on 10/09/2026. 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. Universal 1 Credit Union
Main Office 1 River Park Dr
https://www.universal1cu.org Dayton, OH 45409-2104  Customer Reviews
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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. Universal 1 Credit Union CD Rates
Universal 1 Credit Union Money Market Rates
Universal 1 Credit Union Home Equity & HELOC
Universal 1 Credit Union Auto Loan Rates
Universal 1 Credit Union Credit Card Rates
Universal 1 Credit Union Personal Loan Rates
Universal 1 Credit Union Other Rates
Financial Health HistoryUniversal 1 Credit Union’s Texas Ratio fell from 9.31% in Q3 2023 to 5.33% in Q2 2026, so its financial health has improved 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
83
Part-Time Employees
0
Branch Locations
9
ATM Locations
8
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.33%
Return on Assets (ROA)
0.3560%
Return on Equity (ROE)
2.8658%
Non-Performing Loans Ratio (NPL)
1.53%
Total Assets
424,748,617
Total Amount of Shares and Deposits
370,090,078
Total Shares and Deposits < 1 Year
339,422,754
Total Shares and Deposits 1 3 Years
20,150,995
Total Shares and Deposits > 3 Years
10,516,329
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,738,362
Total Uninsured Shares and Deposits > $250K (F+J)
9,738,362
Total Insured Shares and Deposits > $250K (item 17 less item K)
360,351,716
Total Interest Expense (Sum of items 6 8)
2,425,872
Share Certificates
2,542
Number of Accounts for Share Drafts
15,799
IRA KEOGH Accounts
1,083
Number of Accounts for Regular Shares
31,991
All other shares
1,703
Money Market Shares
1,039
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)
29,168,121
Total Liabilities
374,204,566
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Universal 1 Credit Union
Frequently Asked Questions About Universal 1 Credit UnionHow 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. Current Universal 1 Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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