FREE Internet Banking and Bill Payment is included!
Universal 1 Credit Union offers three great checking accounts designed to fit your life!
All checking account holders may apply for a pre-authorized Overdraft Protection Loan. This allows you to write yourself a loan. Upon approval, you may write checks up to the amount of your approved line of credit. Enjoy the peace of mind of not having to worry about overdrawing your checking account or incurring expensive charges for insufficient funds.
For complete service and fee information see the General Fee Schedule - Truth-in-Savings Disclosure under "Terms and Conditions" on our home page. Fees subject to change.
Check Out These Advantages:
* Internet Bill Payment fee applies for exceeding 15 electronic bill payment transactions per calendar month. For more information, see the Universal 1 On-Line Agreement under "Terms and Conditions" on our home page. Rates and benefits subject to change.
Apply on-line today for a Credit Union Checking account!
Whether you're saving for a car, holiday, vacation, college, or retirement, your Credit Union has a savings plan to fit your needs.
Basic Savings Account
You'll feel secure having funds on deposit with your Credit Union because your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a United States Government Agency.
A Universal 1 Credit Union Basic Savings Account earns an anticipated dividend on the average daily balance of $300.00 or more and paid monthly (rates are subject to change). With the tiered-savings rate structure, the more you save the more you earn!
You'll have easy access to your funds with your Universal 1 Credit Union ATM card and the STAR Network. To make saving even easier, add to your savings account with Account Allocation. Simply request an application.
If you anticipate making frequent withdrawals or transfers between accounts you may want to consider opening a Savings Plus Account, as Regulation D, the Federal Reserve Requirements of Depository Institutions, requires U1CU to limit all other types of savings accounts to no more than six withdrawals or transfers to another account per month by means of a pre-authorized automatic transfer or telephone order of instruction, with the exclusion of payments made to U1CU loans. No more than three of these six transfers may be made by check, debit card or similar order to a third party.
Savings Plus Account
All the same features of the Basic Savings Account Plus…
…You qualify for a Savings Plus Account when you have a main savings account and a checking account at Universal 1 Credit Union. Members who have both a savings account and a checking account are entitled to unlimited transactions such as withdrawals and transfers on these accounts, because the Savings Plus Account is not subject to Regulation D.
It is our goal to give you the best service possible by providing the Savings Plus Account alternative. And, remember… we offer a variety of checking account options. One is sure to be perfect for you!
Apply on-line today for a Credit Union Checking Account!
Vacations can break the bank and the holiday season financial pinch can turn anyone into a grinch!
With a Credit Union Vacation or Holiday Account you start saving now and earn an anticipated dividend on the average daily balance of $50 or more and paid monthly (rates are subject to change). When you open one or both of these accounts you agree to save a minimum of two dollars per week and make no withdrawals. Think how much you can save by depositing just a little at a time!
Funds from your Vacation or Holiday Accounts will be automatically transferred to your Checking Account (or to your Savings Account if you do not have a Credit Union Checking Account) in time for your Vacation or Holiday spending. No more waiting for a check to arrive in the mail and running to the Credit Union to cash it. By saving regularly throughout the year, you won't come up short at Holiday or Vacation time. Simply request an application.
Note: Vacation Account funds are deposited into your Checking Account the first working day in July. Holiday Account funds are deposited the first working day in November. If you do not have a Checking Account, your funds will be transferred to your Savings Account.
You may have been hearing about Health Savings Accounts (HSAs) in the news as a new way for individuals to pay for health care costs. But what are Health Savings Accounts?
HSAs are individual accounts which allow you to use pre-tax dollars to pay for future medical expenses. You will have easy access to your HSA contributions with a free VISA® debit card, and the account earnings will accumulate on a tax-deferred basis. Distributions from your HSA are tax-free if they are used for qualified medical expenses. HSAs are designed specifically for individuals who have chosen a high-deductible health plan (HDHP).
Start saving for your future by opening a Credit Union Individual Retirement Account (IRA).
Traditional IRAs may give you a tax deduction for the amounts you put in up to $5,000 ($6,000 if over age 50) for individuals and $10,000 ($12,000 if married and both are over age 50) for married couples filing jointly, and you do not pay taxes until you take money out.
Although the Roth IRA offers no up-front tax deduction, the after-tax money you put in builds investment earnings tax-free. Best of all, you pay no federal taxes whatsoever on withdrawals during retirement if you are age 59 1/2 or older and have had money in the account for at least five years. Contribution limits are the same as for Traditional IRAs.
The Education IRA, now called the Coverdell Education Savings Account (ESA) allows you to make contributions of up to $2,000 per year per child beneficiary.
The IRA program at your Credit Union has another unique feature…saving through Account Allocation. By having a little deducted from your paycheck each week, you can help your IRA grow. In addition, you may have Account Allocation into an IRA for your spouse! Plus, the National Credit Union Administration (NCUA) provides additional $250,000 coverage on IRA deposits.
Your Credit Union also offers a number of high-yield IRA Certificates. And, members age 50 and older may adjust their IRA Certificate rate and term once a year! Call your Credit Union office or click here for current rates.
Members can enjoy the earning power of our Certificates from terms of 6 months, 7 months, 12 months, 13 months, 18 months, 24 months, 30 months, 36 months and 60 months. Click here for current rates or request an application.
The Money Market Account includes a multi-tiered rate structure, the higher the account balance, the higher the rate received! It is our goal to give you the best return on your money...
Balance Up to $2,000
Balance Over $2,000 up to $10,000
Balance Over $10,000 up to $25,000
Balance Over $25,000
For example, a balance of $27,000 would receive the "Best Rate" on all funds in the account. And, there is no management fee!
Call your Credit Union office or click here for current rates. Anticipated rates and APYs are subject to change
Note: A minimum deposit of $2,000 is required to open the account. A $10 fee per month will be assessed if the account balance drops below $2,000.
Regulation D requirements will apply in regards to withdrawals and transfers, which restricts and limits the account to no more than six withdrawals or transfers to another account per month.
There is a fee of $5 for each withdrawal over six and for withdrawals less than the $500 minimum. No more than three of the six withdrawals can be made by check, draft or debit card to a third party. Free checks will be provided with balances over $10,000.
When you need a loan...think of your Credit Union first!
Your Credit Union is a financial cooperative. Members save together and borrow from each other, providing every member the benefits of lower interest rates on loans and higher earnings on savings.
Besides lower interest rates, your Credit Union offers Account Allocation, a convenient way to pay your loan, saving both time and money. Every time you get paid, your Credit Union loan gets paid, which reduces the loan principle and interest amount faster! You'll never have to worry about late payments or making special trips to the Credit Union to make a loan payment!
A variety of loans are available:
Start living the good life; apply for a Credit Union loan on-line today!
If you tend to carry a balance on your credit card, or if you prefer to pay your bill in full each month, you will find that we have a VISA® plan to suit you.
Automatic Travel Protection!
Universal 1 On-Line Internet Banking - It's FREE!
For fast, immediate, real-time access to your Credit Union accounts, use Universal 1 On-Line Internet Banking and Bill Payment. Day and night, you have unlimited access to your accounts through your personal computer and the Internet. Verify cleared checks, deposits and balances; make transfers and loan payments; view and print account statements; set notifications and much, much more!
Internet Bill Payment - It's FREE too!
With Universal 1 On-Line Internet Bill Payment you can pay all your bills electronically (within the United States). Bill Payment is FREE up to 15 transactions per month (See Terms and Conditions for additional fee information). In addition, you can choose to have your recurring bills paid automatically and even receive your bills electronically! Sign up today for our new Pay Anyone or Pay Anyone with eBills service.(You must have a Universal 1 Credit Union Checking account to take advantage of the Bill Payment option.)
Note: Recommended minimal requirements: PC with 486 processor & 25 Mhz or Macintosh with 68040 processor. Windows 3.1 or Windows 95 & Mac OS 7.
Apply on-line today for Credit Union Internet Banking
VISA® Debit Card
Some choices are easy...like using the Credit Union VISA® Debit Card to make purchases directly from your Checking account without writing a check, and now you have the ability to pick your own personal identification number (PIN). (You may receive up to $500 per day, based on available balance and, up to your available balance for point-of-sale purchases.) It's faster and more widely accepted... at millions of locations that accept VISA® Debit Cards.
It's More Convenient Than Checks.
It Offers Cash Access Around The World.
It's A Better Way To Keep Track Of Your Purchases.
No-Cost Travel Accident Insurance
It Has It All.
Apply on-line today!
Withdrawals, deposits, transfers, payments, balance information...you can do it all 24-hours a day, 365 days a year with your Credit Union ATM card!
Your Free ATM card allows you to conduct virtually all of your financial business at an Automated Teller Machine without making a special trip to the Credit Union. Plus, you'll receive monthly statements for easy record keeping.
Universal 1 Credit Union is part of one of the nation's leading ATM networks, the STAR Network. You can use your Credit Union ATM card to get cash or make purchases wherever you see the STAR brand. (You may receive up to $500 per day, based on available balance and, up to your available balance for point-of-sale purchases.) To use the STAR ATM Locator, click here.
With your ATM Card, you have access to thousands of ATMs worldwide. And, through Alliance One, members may use participating ATMs without surcharge around the U.S. and Germany. Click here for a current listing of participating ATMs.
If you're out of cash, you don't have to panic...just use your Credit Union ATM card. Simply download an application.
NOTE: STAR and Money Station ATMs may accept deposits and bill payments in Ohio only. Plus System ATMs may not accept deposits or bill payments, and fund transfers can only be accepted in the U.S. There is NO charge for deposits and fund transfers, or for cash advances from your Credit Union VISA® line of credit through STAR, Money Station, Plus System or VISA® ATMs. Refer to the Financial Transaction Card Cardholder Agreement (under Terms and Conditions) for more information.
Universal 1 Call 24
Our new and improved telephone access service provides immediate access to your accounts at any hour of the day or night with a touch-tone phone. You can access all of your Credit Union accounts, obtain account balances, request withdrawals, find out if a specific check or deposit was processed, make a loan payment, transfer funds between accounts with the same account number or between accounts with different account numbers, retrieve year-to-date dividend information and much more!
Universal 1 Call 24 is very user friendly and will guide you almost automatically after entering your PIN. Simply respond by pushing the proper buttons on your touch-tone phone. Rotary phone users dial the Universal 1 Call 24 number and connect to an eCommerce representative.
Access to your account is obtained through a combination of your member number (i.e., account number 1234-00 is entered 1234# -use the # symbol on your telephone to complete all entries) and your PIN. If your PIN has been reset, or this is your first visit to Universal 1 Call 24, enter the last four digits of the Social Security Number on the account.
Check withdrawals are made payable to the primary account holder and mailed to the address on the account.
Call 937/225-9401 or toll-free, 800/228-3193 to begin using Universal 1 Call 24. We're at your fingertips!
Note: Omit the decimal point when entering dollars and cents (i.e., $500.00 is entered 50000). Regulation D, Federal Reserve Requirements of Depository Institutions, apply.
New & Used Vehicle Values
NADA guides is a powerful program designed to help you get the best possible deal when you buy, sell or trade an automobile. It can save you hundreds, even thousands of dollars!
NADA guides is a resource center equipped with unbiased information on everything from how much a particular vehicle will cost the dealer, to which cars have the best and worst safety, repair, and recall records. Just select by make and model, then choose options, view standard features, technical specifications, warranties, and more.
Visit NADAguides.com. Get the facts before you visit the lot or showroom and turbocharge your buying power!
Click here to get pre-approved for your next automobile loan!
Direct Deposit & Account Allocation
With Direct Deposit* or Account Allocation, you can be anywhere you want to be with the reassurance that your funds have already been deposited.
Direct Deposit is the automatic deposit of your net pay, Social Security and other retirement or government checks into your designated Credit Union account or accounts. Direct Deposit is effortless on your part. All you have to do is designate to which account you would like your funds deposited (CU Routing #242278072).
For members who prefer not to have their entire paycheck deposited, Account Allocation is the answer. You may choose to have a portion of your paycheck deposited into specified accounts.
You'll have easy access to your account with Direct Deposit or Account Allocation. Your funds are available through any STAR Network ATM, by writing a check, using your VISA Debit Card or by calling or visiting any Credit Union office.
Direct Deposit and Account Allocation let you be where you want to be...It makes more sense! Apply on-line!
*Direct Deposit of net pay is not offered by all employers.
You know, Credit Union membership isn't just for BIG people. It's for little people, too! We have a responsibility to our youth to educate and inform them on how to make their money work. The Credit Union can help you do just that.
If your special young person is 12 years of age or younger, open a young saver's savings account. This is an excellent way for you to teach your young person the advantages of saving at an early age. Young saver accounts start earning dividends on balances over $300.00.
Your young saver can deposit money into a Credit Union savings account by mail or in person, or you may have deposits made directly into the young savers account through Account Allocation.
Upon opening a youth account, your child receives a coin book which when filled, can be deposited into their own account! Soon after, your child will be sent a surprise gift from the credit union to encourage continued savings. Start them on the road to saving... with a Universal 1 Young Savers Account!