SUMMER NEWSLETTER 2025
2025 GLEN R KERSHNER SCHOLARSHIP WINNERS
U1 members, Eva Johnson-Woods of Trotwood-Madison High School, and Addilyn Slinker of Beavercreek High School, were each awarded this year’s Glen R Kershner Memorial Scholarship of $1,000.00. The 2025 graduates have demonstrated outstanding leadership, academic success, and community involvement, paving the way for their future pursuits in law and biomedical engineering at prestigious universities.
VIEW THE FULL PRESS RELEASE HERE >>
HOME REMEDY LOANS
Turn your house into your dream home—or cover whatever life throws your way—with U1’s Home Remedy Loan! With rates as low as 7.00% and a no closing cost option*, it's the flexible fix for renovations, major purchases, and more. Let the upgrades (or adventures) begin!
2025 RIVER PARK RENOVATIONS
We’re currently undergoing renovations at our River Park Service Center to create a more modern and efficient experience.
What You Need to Know:
- We’re still here for you! We are still servicing our members at River Park with limited interruptions.
- Corporate Employees: Corporate employees have temporarily moved to our Beavercreek Service Center during this renovation.
- ATM Relocation: The ATM will be relocated to a more convenient and safer location in the parking lot.
We’re proud to be headquartered in Dayton and remain committed to enhancing our environment for both U1 employees and YOU!
Thank you for your patience and support as we make these exciting changes. Keep an eye on our website and your email for updates and expected renovation dates.
CYBERSECURTIY and AI
Artificial Intelligence (AI) is a technology in which machines are able to simulate human intelligence. Unlike humans, AI has the ability to process large amounts of information very quickly. It’s no surprise that scammers exploit this tool and use it to target you with more realistic phishing attacks!
Think you can spot a scam? AI is making it harder than ever. Don’t get fooled!
VIP AUTO LOANS
THE ULTIMATE IN CAR FINANCING
AS LOW AS 4.95%APR**
Our VIP Auto Rates are designed to offer you exclusive benefits and competitive financing, making it easier, faster and more affordable to get behind the wheel of your dream car - whether new or pre-owned.
VIP Auto Loans Offer:
- Exclusive Interest Rates
- Flexible Terms
- Quick & Easy Approval
- Personalized Service
- No Hidden Fees
- Extended Warranty Options
- Refinancing Options**
BLOG POST: USE YOUR HOME'S EQUITY TO STRENGTHEN YOUR FINANCES
Owning a home is more than just putting down roots—it’s an opportunity to build equity and improve your long-term financial health. At Universal 1 Credit Union (U1), we believe that understanding how equity works—and how to use it strategically—can open the door to new possibilities.
Let’s explore how paying off your mortgage faster, using a home equity line of credit or loan, and refinancing at the right time can help you make the most of your investment.
WHAT OUR MEMBERS ARE SAYING
Our members' praises say it all — Congratulations to our U1 employees and service teams for showing what it truly means to care. Your commitment and compassion continue to make a lasting impact on those we serve.
“The amount of help and courtesy I received from the branch in Vandalia has been amazing. Taylor has been helpful in helping me stay on track with my payments and finances. She is the best.”
“I have enjoyed going to Universal 1 in Sidney. Rachel has been so good to me. I had lost my husband three years ago and she has supported me and helped me make decisions. You have a very good employee there. She knows her job and she is also great at customer service. All the ladies that work in there are very nice and friendly. You have a good branch.”
“Rachel recently helped open a few more accounts to make sure our money was safe and insured. She was very kind, patient and knowledgeable. We highly recommend her services.”
"Several members of the staff have helped me. They helped me open an account online, get a credit card, and have helped me order checks and get online banking. Thank you for your excellent member service. You have shown that you truly care about me!" ~ Christy H.
SCHOOL SUPPLY DRIVES
Universal 1 Credit Union is holding a School Supply Drive from June 2 through July 26 at participating U1 locations. We're collecting new school supplies to help students in our community start the school year strong!
Please note: Our River Park location will not be participating this year due to ongoing construction.
Thank you for helping us make a difference—one backpack at a time!
EXCLUSIVE MEMBER REDS TICKET GIVEAWAY
As a valued U1 member, you have an exclusive opportunity to win four (4) tickets and a parking pass to the Friday July 25, Reds game against the Tampa Bay Rays at 7:10 PM!
Don’t miss your chance to cheer on the Reds with friends or family! The giveaway ends June 30, 2025. The winner will be notified on or around July 7, 2025.
Thank you for being part of U1—good luck!
ROSE MUSIC CENTER 2025 CALENDAR
We are proud to showcase the U1 Box Office at the Rose Music Center. Save money on ticket fees by purchasing your tickets in person at the U1 box office!
For additional information or to purchase tickets online, please visit
The Rose Music Center U1 Box Office.
View The 2025 Event List
for upcoming shows and details!
*All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. No closing costs with a $15,000 minimum initial loan amount; cannot be used towards U1 existing loans or debt. Property insurance is required. Flood insurance and Private Mortgage Insurance (PMI) may be required. Program subject to change.
*APR = Annual Percentage Rate. Loan rate not lower than 4.95%. All loans are subject to credit approval and may vary based on creditworthiness and amount financed. Financing through Universal 1 Credit Union may offer discounted rates compared to dealership financing. Vehicle loans can only be refinanced once every 12 months, and refinancing is subject to approval. Rates, terms, and conditions are subject to change. APR shown is based on a $25,000 loan with a $40 application fee for 63 months. Auto Loan Payment Example: loan amount of $25,000 for a 2024 or newer automobile and term of 63 months at 4.95% will have a monthly payment of $451.43. The example disclosed above is for our highest qualified borrowers.
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