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Middletown Area Schools

1730 Central Avenue, Middletown, OH 45044
NCUA Insured5.0 (14 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

1730 Central Avenue

Middletown, OH 45044

Service Area

This credit union is located in Middletown and serves members in the OH area. Currently serving 1,009 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

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.

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(2 total)

Member Reviews

5.0

14 Google reviews

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

View on Google Maps
Chris Cornett

Chris 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

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

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

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

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!!

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).