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Universal 1

1 River Park Dr, Dayton, OH 45409
NCUA Insured3.8 (64 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1937

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1 River Park Dr

Dayton, OH 45409

Service Area

This credit union is located in Dayton and serves members in the OH area. Currently serving 38,908 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.49%

Used Auto Loan

6.49%

Personal Loan

11.79%

Credit Card APR

10.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OH

Lowest rates currently reported by credit unions in OH (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(9 total)

Member Reviews

3.8

64 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
LaShonda

LaShonda

6 months ago

Have been with this cu for abt 6yrs nw! Bt just recently, I hd sum difficulties trying to set up my Zelle to another cu & called countless times to Universal 1 member services & No one could “help” me set up my Zelle! Not even 1 of the tellers on the (inside) @ the 1River location could help me set up my Zelle! It came dwn to me asking 1 of my daughters to help me & somehow she “knew” exactly what to do! Because the Whole member service team was Inexperienced! And so was the “teller” inside the branch! SMH! This “Branch” seems to be Very Inexperienced with helping their members set up Zelle!🤷🏼‍♀️

Mike Sipniewski

Mike Sipniewski

9 months ago

I know this is the main office page, but this review is for your Vandalia office. I just had your manager at this office refused a twelve hundred dollar credit card payment.Because my savings account was in the rears by minus ten dollars. The only reason the savings account is in the rears is because of the service fees that that branch charges. I've never used that account nor have I ever taken money out. She refused my check because of that saying that was in the rears. It's unbelievable to me. She needs to be fired. As soon as I get my new card from PNC I will be closing this account after nearly 20 years of having it open. I can only assume that if they were making 50 to a $100 off of me every month from interest that this would not be an issue. I also guess they're trying to get me to help pay for upgrade they just did. Totally unacceptable behavior.

Richard Smith

Richard Smith

a year ago

I am very thankful for Karen Gray my Loan Office and friend and a encourager. I appreciated Karen help through our process of purchasing our first House. She helps to make sure everything is correct. I have enjoyed Karen working with me. She is a hard worker, and I love her character! She is such a beautiful person; I will never forget Karen working with us to purchase our first House.

Levi Beerbower

Levi Beerbower

a year ago

Karen Gray was a great help in buying my first home. The process was made easy by Karen as she promptly resolved all questions and issues. I am happy to have used Universal 1 as my lender.

Kim Bunleut (xnunnteya)

Kim Bunleut (xnunnteya)

2 years ago

My parents and I went with Universal 1 for a mortgage loan. As a first-time homeowner/buyer, I had no idea what I was doing. Karen Gray who was our loan officer, is a saint !!!! She is EXTREMELY kind, sweet, and was patient with me and my parents( who lived in another state) through the entire process. She was there at all hours of the day to answer any and all questions that we had. She explained every single thing in detail to me, because again, this was my first time. Couldn't have asked for a better loan officer! Thank you Karen for making this whole loan process easy and painless !!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).