At a glance
From its website, read 2 Nov 2026Community Savings is a bank or thrift based in Caldwell, Ohio. Its website describes auto loans and home mortgages. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (740) 732-5678 source |
|---|---|
| Website | www.mycommunitysavings.com |
| Office (official list) | 425 MAIN STREET, Caldwell, OH 43724 |
What their website says about applying
Call one of our auto loan specialists today at 740.732.5678.
sourceContact a loan specialist today 740.732.5678.
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.
Who qualifies, in their words
- Low or damaged credit considered
A great solution if you are looking to build or re-build your credit.
source - Collateral required
it requires a security deposit which is held as collateral for your account.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Jan 2025 |
| RSSD ID | 476472 |
| Address | 425 MAIN STREET, Caldwell, OH 43724 Directions (Google Maps) |
| Website | www.mycommunitysavings.com |
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: medium. No loan amounts were stated, and the state names for wholesale lending are listed on the page but not quoted in the evidence. 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 | — | you can find the perfect auto loan* to get behind the wheel | source |
| Home mortgages | — | MyChoice Mortgage provides flexible terms, competitive rates, and plenty of convenient payment options | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.mycommunitysavings.com/
- https://www.mycommunitysavings.com/lending/mychoice-auto/
- https://www.mycommunitysavings.com/lending/mychoice-mortgage/
- https://www.mycommunitysavings.com/lending/mychoice-home-equity/
- https://www.mycommunitysavings.com/lending/personal-credit-cards/
- https://www.mycommunitysavings.com/lending/
- https://www.mycommunitysavings.com/wholesale-lending/
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - 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 does not state an APR. The APR includes fees, so it is the number to compare. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - 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.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Community Savings (FDIC cert 27969). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $284.7 million (as of 30 Jun 2026) |
|---|---|
| Offices | 1 (as of 30 Oct 2026) |
Offices by state and county (1)
Ohio (1 office)
- Noble County (1): 425 Main St, Caldwell 43724 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Community Savings (RSSD 476472, FDIC cert 27969). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $244.9 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 8.6% from $225.5 million on 30 Jun 2025 |
| Total assets | $284.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $237.8 million | 97.1% |
| Home equity lines of credit | $3.8 million | 1.5% |
| Commercial real estate, construction and multifamily | $682,000 | 0.3% |
| Consumer loans (credit cards, auto, other) | $2.7 million | 1.1% |
None reported on the 30 Jun 2026 report: commercial and industrial (business) loans; farmland and farm production loans.
Within consumer loans: auto loans $1.7 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 3 loans $36,000 | none reported |
| $100,001 to $250,000 | none reported | none reported |
| $250,001 to $1 million | none reported | none reported |
| All small business loans | 3 loans $36,000 | none reported |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $284.7 million | Larger than 35% of the 321 other certified banks and bank holding companies nationwide (median $383.2 million). |
| Loans as a share of assets | 86% | Median of the same 321 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $225.5 million → $244.9 million (+9%) | Median change of 321 other certified banks and bank holding companies nationwide: +7%. Rank by loans held among these 322: 164 → 161. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies nationwide | 321 | larger than 35% |
| Loans held then vs now | certified banks and bank holding companies nationwide reporting both dates | 321 | rank 164 → 161 of 322 |
“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 Caldwell and Ohio
- Appalachian Growth Capital, LLCLoan fund · Logan, OHCommercial real estate loans, Equipment loans, Small-business loansVerified
- Buckeye State Credit Union, INC.Credit union · Akron, OHAuto / vehicle loans, Home mortgages, Personal / consumer 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
- Cleveland Development Advisors Community Reinvestment Fund, Inc.Loan fund · Cleveland, OHCommercial real estate loansVerified
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