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Mission Statement

To brighten our members’ financial future.


Cardinal is proud to announce their 5-star rating, recently awarded by Bauer Financial. Bauer Financial is a financial rating agency who provides depositor-focused ratings of banks and credit unions in the United States. The Company’s rating scale runs from zero to five, the strongest institutions being granted 5-star ratings. Credit Union ratings are based on 12/31/2020 financial data. Congratulations to Cardinal staff and management. Thank you for serving all our members’ banking needs, and continuing to brightening their financial futures.

Membership Eligibility

You may become a member of Cardinal Credit Union if you live, work, worship, or attend school in Lake, Cuyahoga, Geauga, Ashtabula, Portage, Summit, Mahoning, Trumbull, and Columbiana counties.

What Is A Credit Union?

A credit union is a member-owned, not-for-profit financial cooperative that is owned, managed, and utilized by its member-owners. The Board of Directors is elected from and by the general membership, and are unpaid volunteers. The members are both the stockholders and the customers. Therefore, any profits the credit union realizes are returned to the member-owners in the form of lower loan rates, higher savings rates, lower fees, and stronger capital than for-profit, stockholder-owned and controlled banks.


Cardinal Credit Union has been providing financial services to employees of various companies and organizations in the Mentor/Cleveland area for more than half a century. We were initially organized in 1953 to serve the employees of the Mentor Public School System. Today we are a community chartered credit union serving citizens in Lake, Cuyahoga, Geauga, Ashtabula, Portage, Summit, Mahoning, Trumbull, and Columbiana counties.

Cardinal is a not-for-profit financial cooperative owned by its members. This means that as a credit union member, you are never a customer, but a full partner and owner. The credit union motto “People Helping People” is demonstrated in every transaction that takes place at Cardinal. We promise each member personalized service and individualized financial attention.

We offer a full range of financial products and pride ourselves on offering the best possible rates and services to its member-owners. Choose from a wide variety of deposit services that include Savings Accounts, Checking Accounts, Money Market Accounts, IRA’s, and Share Certificates of Deposit (CD’s) from 3 to 60 months. We offer Loans, from New and Used Autos to First Mortgages, Home Equity to VISA® Credit Cards, and Signature Loans. Many other no cost or low cost services are offered, including VISA Debit Cards, Money Orders, 24-Hour ATMs, our easy-to-use website, and much more.

To become a member, you only need a minimum $5.00 deposit into a Savings Account. That first deposit provides you with immediate access to the many products and services available at Cardinal Credit Union. Membership has its privileges, and you retain those privileges throughout your life. Once a member, always a member! In addition, all relatives of current members can become members regardless of residency.

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