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Our Story

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Friendly, Trustworthy & Reliable Service

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 with assets over $400 million. We work hard to provide Beyond What You Expected service to over 50,000 members. Known for serving the greater Dayton, Ohio community, we've served members in various locations throughout the years. We continue to serve our Ohio communities, but as times change, we've embraced new technologies that allow us to serve members wherever they go - across the country and around the world. In our history, we've never lost sight of the credit union philosophy of People Helping People! We are honored to have the opportunity to continue making a difference in our community and in the lives of our members!


1937: NCR Employees Credit Union formed 1990: Received Innovation & Creative Leadership Award
1943: $1,000,000 in assets 1995: Name changed to Universal 1 Credit Union & Received the Roy F. Bergengren Award
1955: Dayton, OH Brown St. office opens 2012: 75th Anniversary. $375,000,000 in assets
1962: 25th Anniversary. $25,000,000 in assets 2014: Received CUNA Diamon Award for website
1974: First credit union in nation to offer ATM Service 2017: April 27th, 80th Anniversary Celebration
1982: Name changed to NCR Universal Credit Union & River Park corporate office opened 2019: BBB Eclipse Integrity Finalist Recipient
1983: First in nation to offer in-home computer service 2021: Exclusive box office sponsor for the Rose Music Center at the Heights
1984: $100,000,000 in assets 2022: Celebrating 85 years of member service

85 years banner


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Member Eligibility

U1 membership eligibility is available through many outlets. Find out how to become a
U1 member here.

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