Universal 1 Credit Union

Universal 1 Credit Union Simply put. U1 is a not-for-profit financial organization that exists to create your personal and financial well-being. Federally Insured by NCUA

U1 is a not-for-profit financial institution that exists to create personal, community and financial well-being. We strive to provide Beyond What You Expected service!

Your security matters to us. A new scam called chip-popping involves criminals removing the EMV chip from a damaged or c...
06/03/2026

Your security matters to us. A new scam called chip-popping involves criminals removing the EMV chip from a damaged or cut‑up card after convincing victims to hand it over.

Remember, U1 will never send someone to your home to collect your card. Read more and learn how to stay protected at https://www.u1cu.org/blog/chip-card-scam

Make saving fun — Turning savings into a game or challenge helps kids build strong money habits early. Explore more at: ...
06/01/2026

Make saving fun — Turning savings into a game or challenge helps kids build strong money habits early. Explore more at: https://bit.ly/4vdqujA

“An investment in knowledge pays the best interest.” ~ Benjamin Franklin
05/30/2026

“An investment in knowledge pays the best interest.” ~ Benjamin Franklin

🌞 Morning Magic in SidneySome visits just hit different. Brandon stopped into our Sidney Service Center and left with hi...
05/29/2026

🌞 Morning Magic in Sidney

Some visits just hit different. Brandon stopped into our Sidney Service Center and left with his whole morning brightened. It’s the kind of service that turns a quick stop into a great start to the day. Way to shine, Sidney.

“Fast, courteous, and professional. My visit brightened my morning.” ~ Brandon ~ 5/23/2026

05/28/2026

We're Cheering For You!

Banking should be simple and our checking accounts keep it that way. Whether you want no fees, dividend earnings, or a f...
05/27/2026

Banking should be simple and our checking accounts keep it that way. Whether you want no fees, dividend earnings, or a fresh financial start, we’ve got an option that fits your lifestyle.

Freedom Checking — A simple everyday account with a $0 monthly fee, no minimum balance, and overdraft eligibility.

Freedom 500 Checking — An account that earns dividends when you maintain a $500 average daily balance, with no monthly fee.

Freedom Express Checking — A supportive option designed to help rebuild finances, offering a path toward free checking.

Explore your options: https://www.u1cu.org/checking

REMINDER: In observance of Memorial Day and in remembrance of those who served, continue to serve, and the families who ...
05/25/2026

REMINDER: In observance of Memorial Day and in remembrance of those who served, continue to serve, and the families who stand beside them—all U1 Service Centers will be closed on Monday, May 25. We will resume regular business hours on Tuesday, May 26.

Manage your accounts anytime with Online & Mobile Banking. https://www.u1cu.org/mobile

Need cash? Find a surcharge-free ATM near you: https://www.u1cu.org/anywhere

You can also view our full list of holiday closures here: https://www.u1cu.org/holiday-hours.

Congratulations, Tammy! Thank you for delivering outstanding service at our Chillicothe location. Your excellent member ...
05/23/2026

Congratulations, Tammy! Thank you for delivering outstanding service at our Chillicothe location. Your excellent member review says it all. We appreciate the care you bring to every interaction and the positive impact you make each day.

“Tammy at the Chillicothe branch has been excellent. My wife and I have bought a lot of cars, and we always go through U1. Now we have a son who just went through you, and another son who will be ready to go through U1 soon. I can’t say enough about how thrilled I am to know Tammy. She has done a very good job.” ~ 5/19/2026

Address

1 River Park Drive
Dayton, OH
45409

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 12pm

Telephone

+18005435000

Website

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