Why Join Day Air?
Experience the Day Air difference for yourself.
At Day Air Credit Union we put people before profits. That means focusing on members’ financial well-being, making loans that drive economic growth throughout the Miami Valley and giving back to the communities we serve.
Day Air membership is open to anyone who lives, works, worships or attends school in the Miami Valley.
Credit Union Philosophy
Joining the credit union makes you a member-owner. Membership provides equal ownership and one vote. We report to you, our valued member.
People before profits! All Day Air members are share holders. Any profits we make are returned to you in the form of lower loan rates, higher dividends, and lower fees.
We don’t pay shareholders, which means profits are returned back to you! That’s why we offer some of the most competitive rates in the Miami Valley.
We’re in the business of helping our members improve their financial well-being, not charging outrageous fees for everyday banking needs.
Local Service Guarantee
Locally owned and operated serving the Miami Valley since 1945, we promise to treat you with respect, to be accurate and secure with your information and make it easy for you to do business with us.
Free financial education programs focused on helping our members develop responsible money management skills so they can build a financially-healthy life.
Day Air Credit Union membership is open to anyone who lives, works, worships or attends school in the Miami Valley* / Dayton region of Southwest Ohio.
More specifically, membership at Day Air Credit Union is offered to those with the following common bond:
– Persons who live in the Miami Valley* –
– Persons who regularly work, attend school, or worship in the Miami Valley* –
– Employees of the VA Medical Center –
– University of Dayton students, alumni, faculty and staff –
– Employees of Day Air Credit Union –
– Family^ members of existing members –
*Miami Valley is defined as Montgomery County, Greene County, Warren County, Miami County, Butler County, Champaign County, Clark County, Preble County, and Darke County.
^Family is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, step-siblings, and adoptive relationships.
You can quickly and easily move your accounts to Day Air Credit Union by following these three steps:
Three Simple Steps to Switch
1. Open a membership account. You may do this by visiting any of our branch locations or by downloading a Membership Application.
2. Download, print and mail all the necessary forms below the appropriate companies and/or individuals and print the checklist to mark your progress.
- Print the Checklist
- Direct Deposit Change Request
Send written notices to companies with which you have direct deposit (employer, government deposits, pension, transfers from other financial institutions, investment dividends, child support or court-issued deposits, etc.) notifying them that you want to switch your direct deposits to your new account at Day Air Credit Union.
- Authorization Agreement for Direct Deposit
Send written notice to set up direct deposits with any new companies or individuals.
To change Social Security deposits, visit: https://www.ssa.gov/myaccount/direct-deposit.html
Or call the Social Security Administration at: 1-800-772-1213 (TTY 1-800-325-0778)
Day Air Credit Union Routing/Transit number: 242277808
- Authorization for Canceling Automatic Payments
Send written notices to companies who automatically take payments from your checking account (utilities, mortgage, insurance, brokerage, credit cards, internet service providers, transfers to other banks, child support or court issued payments, etc.) notifying them that you are closing the account.
- Authorization for Transferring Automatic Payments
Send this form to companies notifying them that you want to transfer existing automatic payments from your previous financial institution to Day air Credit Union.
- Authorization for Automatic Payment
Send a notification to companies in order to set up new automatic payments.
- Account Closing Request
Send written notice to your old financial institution informing them you are closing your account.
3. Close your account at your old financial institution. Verify that all checks, card transactions, and scheduled bill payments have cleared your old checking account.
A credit union is a financial cooperative. Like cooperatives around the world, we operate according to a set of core cooperative principles—in our case 7—that we follow for the greater good of our community, credit union and member-owners.
Principle #1: Voluntary and Open Membership
Principle #2: Democratic Member Control
Principle #3: Members’ Economic Participation
Principle #4: Autonomy and Independence
Principle #5: Education, Training and Information
Principle #6: Cooperation among Cooperatives
Principle #7: Concern for Community
How a credit union differs from a bank.
– Not-for-profit –
– Serve members, not customers, and are member-owned –
– Run by volunteer boards –
– Provide free financial education –
– Strongly tied to their local communities –
– Cooperatives – working with other credit unions to provide the best products and services to members –
So, now that you know – isn’t it time to become a member?
From a cigar box in the closet
Day Air Credit Union was founded in 1945, by 26 employees of the United States Air Force Depot – Gentile Station (later known as DESC); who came together as a group to help each other improve their individual financial situations. After much discussion, the original members decided to combine the words “Dayton” and “Air Force” creating the name we know, “Day Air.”
The first office of Day Air Credit Union was located in a small room within the DESC facility, where an old cigar box held our member’s funds. We moved twice within the DESC campus, finally settling into slightly larger quarters in Building One. In 1996, the credit union vacated the DESC campus, as the center was slated for closure. Today, Day Air has 6 full-service locations located throughout the Miami Valley. These locations offer professional, member service driven employees with convenient hours.
In the beginning
In the beginning the services were limited, and the money scarce, but the 26 members were enthusiastic about their credit union. In the early years when a member requested a loan, it was not uncommon for the member to wait up to two weeks for a decision from the Credit Committee. Any loan for more than $25 required collateral and an excellent reason; plus the borrower was required to deposit an extra 25¢ into their share account each time a loan payment was made. Today, any individual applying for a loan can have an answer in as little as five minutes regardless of whether they apply in person, over the phone, or on the Web.
Over the years our continued growth has enabled us to evolve into a full service financial institution. Gone are the days of the hand kept ledger, the cigar box, and the limited offering of savings accounts and small loans. Today, our members can choose from a wide variety of financial products. From first mortgages and car loans to online account access and investment services, Day Air Credit Union continues to offer our members the tools they need to manage their finances successfully.
In 2001, the State of Ohio granted our request to open our field of membership to include the communities of Dayton and Southeast Montgomery County. To date, Day Air’s field of membership includes anyone who lives, works, worships or attends school in Montgomery, Greene, Warren, Butler, Clark, Champaign, Darke, Preble, and Miami Counties. This community charter allows us to offer our products, services, and cooperative spirit to even more members of our community.
Day Air Credit Union continues to strive
Day Air Credit Union continues to strive to help each individual member meet their personal financial goals. We want our community and our members to think of their credit union first for all their financial needs.
– Join online in as little as 5 minutes, get started now! –
– Visit any of Day Air’s 6 Miami Valley locations and let a Member Representative open the right account for you. –
– Print a Membership Application and turn it in to any of our 6 area branches or mail it to:
Day Air Credit Union
ATTN: New Account
P.O. Box 292980
Kettering, OH 45429