At a glance
From its website, read 2 Nov 2026Buckeye State Credit Union, INC. is a credit union based in Akron, Ohio. Its website describes auto loans, home mortgages and personal loans. Where it lends: Northeast Ohio. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Phone | (330) 253-9197 source |
|---|---|
| support@buckeyecu.org source | |
| Apply online | Page with the application link |
| Website | www.buckeyecu.org |
| Office (official list) | 197 E. Thornton St., Akron, OH 44311 |
What their website says about applying
Start today with our online application.
sourceYou will need your personal information, including your Social Security number, your account information and proof of income.
sourceBuckeye makes it easy to apply for an auto loan. You can get started online, visit a local branch, or give us a call.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | As low as 6.50% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | New Auto (New-2024) 3.75% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Used Auto 4.75% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Personal 9.00% | source |
| Auto / vehicle loans | Term: see their wording | Flexible terms up to 84 months | source |
| Personal / consumer loans | Term: see their wording | This low-rate personal loan has a 12-month term | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- No or thin credit history considered
Not everyone has a long credit history.
source - Low or damaged credit considered
First-Time Buyer or Worried You Have Bad Credit? No Problem.
source - First-time homebuyer program
First-time home buyer mortgage programs
source - Membership required
available to members with a good payment history.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 4 Jun 2018 |
| RSSD ID | 609195 |
| Address | 197 E. Thornton St., Akron, OH 44311 Directions (Google Maps) |
| Website | www.buckeyecu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Personal loan rates and auto loan rates appear on the rates page, but no loan amounts are given for auto or mortgage loans. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether you’re buying a new or used vehicle or wanting to refinance your auto loan, Buckeye has your back. | source |
| Home mortgages | — | Home financing, simplified. Personalized mortgage solutions with competitive rates and member-first service. | source |
| Personal / consumer loans | $1,000 – $1,500 | Enjoy a little extra birthday cheer with a Birthday Loan – a $1,000 to $1,500 loan available to members with a good payment history. | source |
Loan sizes
Borrower focus
- First-time homebuyers
First-time home buyer mortgage programs
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start today with our online application.
source
Pages read (7)
- https://www.buckeyecu.org/
- https://www.buckeyecu.org/about-us/
- https://www.buckeyecu.org/loans/low-rate-personal-loans/
- https://www.buckeyecu.org/why-credit-union-often-offer-the-best-auto-loan-rates/
- https://www.buckeyecu.org/loans/rates/
- https://www.buckeyecu.org/loans/mortgages/
- https://www.buckeyecu.org/loans/auto-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.4 million in 6 awards from the U.S. Treasury's CDFI Fund, 2018–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Financial Assistance | $640,000 |
| 2021 | CDFI Rapid Response Program | $1,800,000 |
| 2020 | CDFI Program, Financial Assistance | $700,000 |
| 2019 | CDFI Program, Financial Assistance | $880,000 |
| 2018 | CDFI Program, Financial Assistance | $875,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as BUCKEYE STATE (charter 96672). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $166.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 15,691 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
Ohio (5 offices)
- Stark County (3): 1010 W State St, Alliance 44601; 4100 Munson St NW, Canton 44718; 255 S Prospect Ave, Hartville 44632
- Summit County (2): 195 S Main St, Akron 44308 (main office); 197 E Thornton St, Akron 44311
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Buckeye State Credit Union, INC. (NCUA charter 96672, filed as “BUCKEYE STATE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $101.9 million, 7,863 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 2.6% from $99.4 million on 30 Jun 2025 |
| Members | 15,691 (as of 30 Jun 2026); 16,584 (as of 30 Jun 2025) |
| Loans per member | $6,495 (total loans divided by members, 30 Jun 2026) |
| Total assets | $166.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $6.3 million | 6.1% |
| Used vehicle loans | $24.2 million | 23.7% |
| First-lien home mortgages (1-4 family) | $42 million | 41.2% |
| Other real estate loans (junior liens, other) | $16.5 million | 16.2% |
| Commercial (business) loans | $2.3 million | 2.3% |
| Credit cards | $3.2 million | 3.1% |
| Other unsecured loans | $7.1 million | 7.0% |
| Leases and other secured loans | $258,260 | 0.3% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $166.5 million | Larger than 45% of the 11 other certified credit unions in Ohio (median $365.7 million). |
| Loans as a share of assets | 61% | Median of the same 11 credit unions: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $99.4 million → $101.9 million (+3%) | Median change of 11 other certified credit unions in Ohio: +1%. Rank by loans held among these 12: 7 → 7. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Ohio | 11 | larger than 45% |
| Loans held then vs now | certified credit unions in Ohio reporting both dates | 11 | rank 7 → 7 of 12 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Akron and Ohio
- Apex Fund for Economic OpportunitiesLoan fund · Akron, OHOfficial list only
- Western Reserve Community Fund, IncLoan fund · Akron, OHOfficial list only
- Appalachian Growth Capital, LLCLoan fund · Logan, OHCommercial real estate loans, Equipment loans, Small-business loansVerified
- Canton School Employees Federal Credit UnionCredit union · Canton, OHAuto / vehicle loans, Equipment loans, Home mortgages, Personal / consumer loansVerified
- Cardinal Credit UnionCredit union · Mentor, OHAuto / vehicle loans, Commercial real estate loans, Equipment loans, Microloans…Verified
- Cincinnati Development Fund, Inc.Loan fund · Cincinnati, OHCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
Work at Buckeye State Credit Union, INC.? Link to this page
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