200 N St Claire St, Suite 1600
Toledo, OH 43604

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 1.50% 2.20% →
2-Year CD 1.70% 2.20% →
5-Year CD 2.10% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Directions is an NCUA insured institution located in Toledo, OH. It was founded in 1953 and has approximately $882.12 millions in assets.

Who can join?

If you live, work, worship, attend school, or volunteer in the following Counties: Crawford, Wood, Fulton, Lucas, Ashland, Huron, Knox, Richland, Wayne, and Tuscarawas Counties you are eligible for membership. Your family members are also eligible to join — including grandparents, parents, spouses, siblings, grandchildren, children and household members. Once your family members have joined, their family members are also eligible for membership.

NCUA Insured Yes
Charter Number # # 60978
Date Established 1953
Assets $882.12 million
Loans $715.56 million
Deposits $786.25 million
Capital $82.87 million

Field of Membership Restrictions

Membership in Directions Credit Union is open to those who live, work, attend school or worship in Crawford, Wood, Fulton, Lucas, Ashland, Huron, Knox, Richland, Wayne, and Tuscarawas Counties in Ohio or in Monroe County in Michigan.

Deposit Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,500 $24,999 Learn MoreShow Less
Money Market
0.45% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
1.50% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.75% $500 - Learn MoreShow Less
6 Mo CD
1.15% $500 - Learn MoreShow Less
12 Mo CD
1.50% $500 - Learn MoreShow Less
18 Mo CD
1.60% $500 - Learn MoreShow Less
24 Mo CD
1.70% $500 - Learn MoreShow Less
30 Mo CD
1.80% $500 - Learn MoreShow Less
36 Mo CD
1.90% $500 - Learn MoreShow Less
48 Mo CD
2.00% $500 - Learn MoreShow Less
60 Mo CD
2.10% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.20% $1 $9,999 Learn MoreShow Less

Loan Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for DIRECTIONS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: 13256
3.378% 3.375% 0.00 $92 $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Directions branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Directions Locations

Financial Details

Directions Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Directions. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Directions U.S. Average
3.02% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Directions had $2,349,558 in non-current loans and $225,587 in owned assets. To cover these potential losses it had $82,866,716 in net worth and $2,525,104 in loans loss reserves. That gives it a Texas Ratio of 3.02%.

Net Worth
Directions U.S. Average
9.39% 13.65%

Directions FCU has a net worth of 9.39% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Directions

Branches and Savings

What is Directions?

A federal credit union, registered with the NCUA under certificate #60978.
Learn more about credit unions here.

Is Directions FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Directions?

Please see Field of Membership information above for information on who is eligible to join.

What are Directions's share account and share certificate rates?

Directions's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Directions?

Directions has total capital of $82.87 million. Full information on Directions's financial position is located above.

Who owns Directions?

Credit Unions are owned by their members.

Where are Directions branches located?

See branch locations nearby.

Are Directions ATMs Open 24/7?

Do Directions ATMs accept cash deposits?

Can Directions customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Directions have a mobile app?

Does Directions have mobile deposit?

Does Directions have quick pay?

How can Directions transfer money to other banks or credit unions?

Does Directions report to credit bureaus?

Does Directions use Chexsystems?

Does Directions use Equifax?

What is Directions's toll free phone number?

What is Directions's ACH Routing Number?

What is Directions's SWIFT code?

Where can I find Directions's wire transfer form?

What is the Directions address for deposits?

What Products Does Directions Offer

Does Directions offer mortgages?

Compare mortgage rates here.

Does Directions offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Directions offer auto and RV loans?

Compare auto loan rates here.

Does Directions offer student loans or personal loans?

Compare personal loan rates here.

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