Looking for a trusted credit union in Ohio? The Buckeye State is home to some of the strongest, member-focused financial institutions in the country. Whether you’re in Columbus, Cincinnati, Dayton, Cleveland, Toledo, or a smaller community, Ohio credit unions offer competitive rates, lower fees, and a more personal banking experience.
Why Choose a Credit Union in Ohio?
Ohio credit unions are known for delivering real value to their members. As not-for-profit financial cooperatives, they return earnings back to members through better loan rates, reduced fees, and practical digital banking tools designed for everyday use.
Most Ohio credit unions are federally insured by the National Credit Union Administration (NCUA), offering the same level of deposit protection as traditional banks while operating with a member-first mission.
- Lower fees on checking, savings, and ATM access
- Competitive interest rates on auto loans, mortgages, and credit cards
- Local, member-first service instead of shareholder-driven banking
- Community involvement across Ohio cities and counties
- Modern digital banking tools for mobile deposits, transfers, and account management
For more on how credit unions support digital features, see our guide: How Credit Unions Support Digital Banking.
Top Credit Unions in Ohio
Here are some of the most well-known and highly regarded credit unions serving communities across Ohio:
- Wright-Patt Credit Union (WPCU)
One of the largest credit unions in Ohio, serving members across Dayton, Cincinnati, and surrounding regions. - General Electric Credit Union (GECU)
Serves members in Cincinnati with competitive rates and robust online and mobile banking tools. - Kemba Credit Union
Popular throughout Cincinnati and nearby communities, known for strong loan products and member service. - 7 17 Credit Union
Based in Northeast Ohio, offering full-service personal and business banking with deep community ties. - Superior Credit Union
Serves members statewide with branches in multiple Ohio cities and a focus on financial wellness. - Telhio Credit Union
Provides checking, loans, and business banking services across central Ohio.
This list represents only a portion of Ohio’s credit union network. Dozens of additional community and regional credit unions operate throughout the state.
How to Find a Credit Union Near You in Ohio
Finding the right credit union depends on location, eligibility, and the services you use most. These steps can help narrow your options:
- Browse by region: Use our Midwest credit union guide to explore institutions serving Ohio.
- Search by city or ZIP code: Local searches often surface community-based credit unions nearby.
- Review membership eligibility: Many Ohio credit unions allow anyone who lives, works, worships, or attends school in the region to join.
- Compare digital features: Look for mobile deposit, external transfers, and peer-to-peer payment compatibility.
Popular Services Offered by Ohio Credit Unions
- Checking and savings accounts with fewer fees
- Auto loans and refinancing
- Home loans and HELOCs
- Credit cards with lower APRs
- Mobile banking and contactless payments
- ATM access through statewide and national networks
To understand how credit unions compare to traditional banks, visit our guide: Credit Unions vs. Banks.
Finding the Right Credit Union in Ohio
Ohio offers one of the strongest credit union networks in the country, with options ranging from large statewide institutions to locally focused community credit unions. Whether you prioritize lower fees, competitive loan rates, or modern digital banking tools, Ohio credit unions provide dependable alternatives to traditional banks.
If you’re researching credit unions beyond Ohio or comparing options nationwide, explore our credit unions by state directory to continue your search.