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About Us

unviersal 1 Credit Union

Who We Are

Simply put. Universal 1 Credit Union (U1) is a not-for-profit financial institution that exists to create personal, community and financial wellbeing. We'll empower your financial life by creating the best possible experience.

Universal 1 Credit Union Beyond What You Expected Beyond What You Expected

"Beyond What You Expected" is our go-to phrase. We make sure you are pleasantly surprised that a financial institution cares about you as a human being and can masterfully handle your finances.

U1's Testimonials Universal 1 Credit Union's Story


See who else loves U1 as much as you here!

In 1937, the National Cash Register Employees Credit Union was formed with seven Charter members each contributing $10. Today, we're Universal 1 Credit Union. Check out Our Story and timeline of notable milestones throughout history. 

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The Credit Union Difference

What’s the difference between a credit union like U1 and a bank? Simply put, we are a not-for-profit financial co-operative that exists to create personal, community and financial wellbeing. We'll empower your financial life by creating the best possible experience.  Members get more. We put people before profits and members get personalized service and one-on-one attention. We look beyond the numbers to do what’s right for you. Continue...

This page is dedicated to help our members develop healthy money management skills. Whether it's buying a car, applying for a mortgage or creating a responsible budget; we'll provide videos, articles and toolkits on various topics to help maintain financial wellness. Learn More


Our Way of Life
Universal 1's three values

U1's Reason
U1's community support, sponsorships, events and charitable activities exists to strengthen and impact our region for the better. We proudly support and embrace charitable organizations from all corners of the community. You can follow all of our community work on our Facebook page or Instagram.

American Cancer Society Dayton Children's Hospital SICSA Pet Adoption Center Walk To End Alzheimer's
St. Vincent de Paul Dayton Making Strides Against Breast Cancer Good Neighbor House Food Pantry Big Brothers Big Sisters of Greater Miami Valley
Children's Miracle Network Hospitals Leukemia and Lymphoma Society Crayons to Classrooms Charity Ronald McDonald House of Charities
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U1 has a few links to external sites but does not operate them.
The credit union is not responsible for their content, and site security and privacy policies may differ.
U1 does not represent you or the third party if both enter into a transaction.