DOY Federal Credit Union

DOY’s Philosophy

In today’s competitive financial market, every financial institution is trying to lure customers with new high tech services and new financial instruments to attract new money. DOY is not in the market to do anything other than provide its savers with the highest possible dividends, provide its borrowers with the lowest possible interest rates, and provide all its members the best and friendliest possible service. DOY does not pretend to be a bank nor tries to provide all the services a bank has to offer. This is why you cannot find a better place than DOY for savings, checking, and borrowing. DOY is not driven by the profit motive. There are no outside shareholders to satisfy. All earnings are returned to the membership in the form of lower rates on loans, higher dividends on savings, and/or better service for its members.

What's a DOY?

DOY is the acronym for Diocese Of Youngstown; however, we are not affiliated with the Diocese in any manner except to define our closed field of membership. DOY is a Federal Credit Union dictated by the rules and regulations of the National Credit Union Association (NCUA), an agency of the Federal Government. All of DOY’s savings accounts are Federally insured up to $250,000. The Diocese of Youngstown does not have any input or control concerning the policies or daily operations of DOY. However, many agencies in the Diocese provide payroll deduction and/or direct deposit as a convenient way for our members to deposit money and/or make loan payments. In case you want the correct pronunciation of our name, just remember DOY rhymes with BOY.

Welcome to DOY Federal Credit Union

Meet Morgan!

Hi. My name is Morgan and I’m the unofficial greeter of the DOY Federal Credit Union. Sort of like a Walmart Greeter only younger and cuter. Also, I have been assigned to provide my insights concerning DOY (my home away from home). Since I can’t write or type (I don’t have any thumbs), my thoughts are translated and submitted to my website expert (Holly at to be placed on my very own DOY page. So if you want to find out what goes on at DOY from my vantage point, visit my page every so often for my insightful memos.

Check out "Morgan's Memos"!

Meet Morgan

Built for Privacy

DOY's grand opening of its new main building was January 5, 2009. DOY constructed their main office to assure member privacy. When entering DOY's large lobby area, members are greeted by a friendly security guard who permits the member to enter the transaction section of the building. This area forks into three separate private offices where the member can conduct their financial transactions in total privacy. Unlike other financial service areas, no one can overhear or see what banking services you are using. No counting of money in view of everyone in the lobby or whispering account numbers or SSN numbers so they are not overheard. And with two video drive thru lanes, DOY members receive friendly, fast and private service. Come visit us and tour our unique building.

DOY - Built for Privacy


  • High Earning Savings Accounts
  • Christmas and Vacation Clubs
  • Variety of Low Interest Loans
    • New Home Mortgage Loans
    • Second Mortgage Loans
    • Refinancing Mortgage Loans
    • Home Improvement Loans
    • New and Used Car Loans
    • Signature Loans
    • Elementary School Tuition Loans
    • High School Tuition Loans
    • Boat Loans
    • Vacation Loans
    • Bill Consolidation Loans
  • Direct Deposit or Payroll Deduction
  • 24 Hour Audio Teller to:
    • Verify account balances
    • Mailout withdrawals from savings
    • Transfer funds from savings to checking