Your Financial Journey Begins Here

We're here to help through all of life's moments, big and small. If you're looking for where to start in your child's financial journey, you're in the right place! From budgeting and savings to applying for that first auto loan, we've got you covered.

Directions believes that a smarter financial community is a better community. That's why we encourage our members to include their children in conversations about finances from a young age. Teaching them to budget, save, and spend responsibly will set them up for financial success as they grow. For tips on how to raise financially independent children, click here

Two Ways for Kids to Earn this Summer!

Rewards for Reading

Youth members can earn a free $5.00 deposit into their youth savings account for completing their local library’s summer reading program! All they need to do is bring in their completed summer reading chart or book tracker from their local library to any Directions location. Limit one $5.00 deposit per member. Ends August 3rd, 2024.

Report Card Rewards

Get paid for good grades! To participate in Report Card Rewards, younger members need to bring in their report cards to any Directions location during the month of June. For every “A” or A equivalent received, Directions will make a $1.00 deposit into their youth savings account – up to a $5.00 deposit! Ends June 30th, 2024.

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Why a Credit Union?

Directions Credit Union is a community-based credit union, which means membership is open to nearly everyone in the Toledo and Central Ohio areas. We’re member-owned and not-for-profit. That means we can offer better rates, fewer fees and more affordable financial services.

If you live, work, worship, attend school or volunteer in the following counties in Ohio: Crawford, Wood, Fulton, Lucas, Ashland, Huron, Knox, Richland, Wayne, and Tuscarawas, plus, in lower Michigan – Monroe County & Lenawee County – you are eligible for membership.

Your family members – grandparents, parents, spouse, siblings, children, grandchildren and household members – are also eligible to join. And once they’ve done so, their family members are also eligible for membership.

Savings and Certificates

Our Youth Goal Savings account is a great way to build your child's first savings at any age.

Want to grow your savings? We offer 12 and 24 month Youth Certificates that will grow with your child! Unlike our regular certificates, you can add funds throughout the life of the Youth Certificate.

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Banking for Teens

First jobs, allowances, or beginning to spend, our checking account and debit card is the best way for your teen to begin safely and securely spending their own money.

Ready for your first car?

Directions First Time Auto Buyer loan is designed for young adults borrowing for the first time, who may have little or no credit history. Earn a discounted loan rate by successfully completing our online course MoneyEd: Auto Loan Finance.
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Student Loans

Directions members can access Student Choice private loans, available for undergraduate and graduate student loans, as well as student loan refinancing.

Directions has the Technology You Need

Directions offers Online and Mobile Banking that can help parents safely monitor their children’s accounts as well as their own. When they are old enough to manage their own money, they can use these tools to access their accounts wherever life takes them.

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Student Rewards

Our valued youth members can earn rewards by completing summer reading programs as well as earning "A's" on their report card!
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FoolProof teaches all ages about money, financial responsibility, and healthy skepticism through highly interactive, self-grading lessons and is free to use!
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Directions annually awards $1,000 scholarships to students with a passion for helping others. More information can be found on our Community page. 
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Frequently Asked Questions