All Saints Federal Credit Union is a member-owned financial cooperative offering savings accounts, checking, loans, and credit cards with competitive rates and a community-focused mission.
Data compiled from public sources · Rating from CreditDoc methodology
All Saints Federal Credit Union operates as a not-for-profit, member-owned financial cooperative guided by the principle of 'People Helping People.' Like all credit unions, it pools resources from members to provide affordable financial services while returning earnings to members in the form of better rates and lower fees compared to traditional banks. The organization is federally chartered and NCUA-insured, making it a legitimate alternative to commercial banking institutions.
All Saints FCU offers a comprehensive suite of financial products including share savings accounts, share certificates (CDs), share draft checking accounts, debit cards, personal loans, auto loans, and credit cards. They also provide ancillary services such as online bill pay, direct deposit, home banking with account alerts, notary services, and student savings accounts. Auto loan rates are prominently featured, with new vehicle financing as low as 3.99% and used vehicles (2022-2025) as low as 4.99%. Money market accounts offer rates as high as 2.25%, and credit cards start at 10.99% APR.
What distinguishes All Saints FCU is its explicit credit union structure where each member is a full owner with equal voting rights, meaning earnings are returned to members rather than distributed to shareholders. The organization emphasizes member service over profit maximization and markets itself as an alternative for those seeking affordable credit and wealth-building opportunities. They actively promote membership and highlight their community connection and commitment to member interests in all messaging.
Based on available website content, All Saints FCU is a legitimate, established credit union with standard offerings comparable to other credit unions. The main limitation is that specific information about membership eligibility, location, asset size, and full terms is not detailed on the reviewed pages. Their website provides basic service descriptions but lacks detailed fee schedules, membership requirements, or expanded service information that would be typical for a comprehensive profile.
All Saints offers 12 services including Share Savings Accounts, Share Certificates (CDs), Share Draft Checking Accounts, Personal Loans with fixed rates and no pre-payment fees, Auto Loans (new and used vehicles), and 7 more.
All Saints is best suited for Members seeking competitive auto loan rates with no pre-payment penalties, Consumers looking for member-owned financial institutions that prioritize member benefits over profits, Savers interested in competitive money market and certificate rates, Individuals seeking a full-service credit union with checking, savings, loans, and credit cards.
Key strengths: Competitive auto loan rates as low as 3.99% for new vehicles and 4.99% for used vehicles (2022-2025); No pre-payment fees on loans with fixed interest rates across all loan products; Member-owned structure means earnings are returned to members as better rates rather than going to shareholders. Areas to consider: Website does not clearly specify membership eligibility or location-based restrictions; Limited information about credit card rewards or benefits compared to competitors.
In the Credit Unions category, comparable providers include CME Federal Credit Union, Education First Credit Union, Pathways Financial Credit Union - Grandview. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
All Saints FCU is best for members seeking a member-owned alternative to traditional banks with competitive loan rates, particularly for auto financing, and who value community-focused financial services. The main caveat is that specific membership eligibility requirements, physical locations, and detailed fee structures are not clearly documented on their website, so prospective members should contact them directly at (216) 524-0414 to confirm eligibility and review complete terms.
CME Federal Credit Union is a member-owned financial institution founded in 1935, serving Central Ohio residents with competitive savings rates, low loan rates, and personalized service.
Best for: Central Ohio residents and employees seeking competitive rates with a community-focused financial institution, Homebuyers in Ohio looking for specialized savings programs and mortgage lending
Education First Credit Union is a member-owned financial cooperative celebrating 90 years of service, offering savings, checking, loans, and financial education primarily to the educational community.
Best for: Education sector employees and students seeking member-owned financial services with educational focus, Consumers prioritizing financial education and seeking guidance beyond basic banking services
Ohio-based credit union offering member-focused financial services including checking, savings, loans, and digital banking solutions.
Best for: Ohio residents seeking member-owned banking alternatives to traditional banks, Consumers prioritizing privacy, security, and not-for-profit financial institutions
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