NCUA Insured
Member-Owned
2 charter
Established in 1937
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Middletown, OH may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1937
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Middletown and serves members in the OH area. Currently serving 1,009 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
4.33%Used Auto Loan
7.11%Personal Loan
12.69%Credit Card APR
12.96%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.
Lowest rates currently reported by credit unions in OH (NCUA Q4 2025).
Brooklyn Height, OH
Brooklyn Height, OH
Independence, OH
Cincinnati, OH
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
5.0
14 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsChris Cornett
10 months ago
⭐⭐⭐⭐⭐ CHRIS FROM MID-WESTERN AUTO SALES HIGHLY RECOMMENDS!! NEED AN AUTO LOAN?!?! 🚗🚗💨💨 Exceptional Local Credit Union That Treats You Like Family I’ve been sending my customers to Middletown Area Schools Credit Union for some time, and the personal service consistently exceeds expectations. With just one branch, they maintain a small‑town feel where every member is valued and remembered . The staff is genuinely friendly, approachable, and takes the time to explain products clearly—whether you’re opening a savings account, applying for an auto or personal loan, or setting up online banking. They make you feel more like a neighbor than a customer  . Their rates are impressively competitive too: fixed-rate credit cards at 12.96 % APR, other unsecured loans around 12.13 % APR, and vehicle loans as low as 4.29 % APR for new and ~7.10 % for used cars . They keep fees low and offer better terms thanks to their member-owned, not-for-profit structure. The lobby and drive-thru hours are well‑scheduled for convenience—open both weekdays during standard business hours and even Saturday drive-thru times . Plus, their online and mobile banking system (Member.Net) is secure, reliable, and comes with useful tools like transaction history, transfers between accounts, e-statements, and bill pay — all with SSL encryption for peace of mind . Despite being small, they serve over 1,000 members with caring support—making every person feel noticed and appreciated . As one member put it in a heartfelt review: “A very understanding credit union. Friendly and nice. You can talk to them as family…” . If you’re looking for trustworthy, community‑focused banking in Middletown, this is it. Highly recommend joining Middletown Area Schools Credit Union for their warmth, transparency, and member-first philosophy.
Betty Roberts
10 months ago
Best credit union I have ever had, they really put heart and soul in helping their customers. They don't try to rush you through, answer all your questions and really care about you. All of the girls knows their stuff. And Jamie always has time for you. I can't say that about the other credit unions i've had.
Rita Sabo
2 years ago
My husband & I love this bank. They are all friendly and really know their jobs. It is so nice to go to the bank and everyone knows your name & really care about you. We won't go to any other bank. We recommend them to everyone. Why go anywhere else when you already have the best. We love them all.
L A
4 years ago
I usually don't write reviews but I just had to for MASCU. This place is by far the best for your banking and credit needs. The staff are personable and will assist you with your needs as if it was their own. My kids even enjoy going because of the candy they give. This Credit Union does not disappoint. They are a one stop shop for all your needs and its like banking with family.
Candi
6 years ago
Best credit union ever with great people who work there. They go out of their way to help in any way they can. We love the crew there!!
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(513) 422-2392Website
Visit WebsiteMembers
1,009
Total Assets
$10.8M
Year Opened
1937
Net Worth
Well Capitalized
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile