Day Air Credit Union

What Day Air Credit Union does

Day Air Credit Union is a member-owned, federally insured (NCUA) cooperative financial institution founded in 1945 and headquartered in Kettering, Ohio, serving approximately 54,000 members across southwest Ohio's Miami Valley with $870 million in total assets as of February 2026. The credit union operates a hybrid physical-digital distribution model anchored by eight-plus financial centers — including dedicated branches at the Dayton VA Medical Center and University of Dayton — complemented by Interactive Teller Machines (ITMs), a mobile app with widgets, and a comprehensive online banking platform. Core banking products span personal checking (Cashback Checking earning 2% cash back up to $750, Premium Perks, Freedom), savings (Money Market, Super Saver, Savvy Saver, Certificates), vehicle loans, mortgages, home equity and construction loans, personal loans, and personal cards, alongside a full business banking suite including commercial checking, money market, term loans, lines of credit, treasury management, and a dedicated BizLink247 online platform with a business banking iOS app.

The technology platform integrates third-party fintech capabilities rather than proprietary AI: embedded investing via InvestiFi offers self-directed trading in 25+ cryptocurrencies and 6,500+ stocks/ETFs alongside AdvisiFi-powered Guided Investing robo-advisory, with RQD Clearing and SAFE Trust providing custody; Pocketnest delivers financial wellness coaching across ten planning areas; and InvestiFi Securities provides broker-dealer execution under FINRA/SIPC oversight. Revenue mechanics rely primarily on net interest income from the spread between loans (auto, mortgage, commercial) and deposits, supplemented by fee income (ATM, overdraft, interchange), transaction revenue from crypto trades ($6 per trade) and brokerage commissions, and referral/affiliate revenue from Day Air Insurance (Insurance Aisle), LPL Financial retirement planning, and RetireMEDiQ Medicare advisory services. As a cooperative, profits are returned to members through higher deposit dividends, lower loan rates, and reinvestment in community programs including Mad City Money financial literacy simulations, scholarships, and over $75,000 in annual community support.

Name

Day Air Credit Union

Legal name

Day Air Credit Union

Website

https://dayair.org

Company type

Private

Founded year

1945

Operating status

Operating

Headcount range

51–100 employees

Short description

Day Air Credit Union is a member-owned, NCUA-insured cooperative founded in 1945 that serves approximately 54,000 consumer and small business members across southwest Ohio's Miami Valley with $870 million in assets, offering checking, savings, loans, mortgages, business banking, and embedded investing through regional branch and digital channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Card Issuing (522210)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Employer/Occupational Credit Unions (FSABAEAB), Military & Veterans Credit Unions (FSABAEAI)

Keywords

• Retail banking services
• Consumer lending
• Business banking
• Community credit union
• Digital investment services

Headquarters

HQ city

Dayton

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Net Interest Income: Primary revenue source from the spread between interest earned on loans (auto, mortgage, personal, home equity, commercial) and interest paid on deposits (checking, savings, certificates, money market). As a credit union, profits are returned to members through better rates on loans and higher dividends on deposits.
2. Fee Income: Various fees including ATM fees, overdraft fees, wire transfer fees, and other service charges. Also includes interchange revenue from debit and credit card transactions.
3. Investment Services Revenue: Commission revenue from the InvestiFi investment platform for stocks, ETFs, and cryptocurrency trades. A $6.00 fee is charged per crypto trade. Revenue sharing arrangements with InvestiFi Securities and AdvisiFi for brokerage and advisory services offered to members.
4. Insurance and Financial Planning Services: Referral and partnership revenue from related financial services including Day Air Insurance, Retirement & Financial Planning through LPL Financial, and RetireMED Medicare advisory services.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels8 records

Core offering

Day Air Credit Union is a member-owned cooperative financial institution providing personal and business banking services including checking, savings, certificates, vehicle loans, home loans, personal loans, and credit cards. It distributes these services through multiple branch locations, an online banking platform, a mobile app with widgets, Interactive Teller Machines, and a dedicated business banking app. Integrated investment services (stocks, ETFs, and cryptocurrency via InvestiFi), financial wellness coaching (Pocketnest), insurance, retirement planning, and Medicare advisory services extend the core offering.

Product overview

Day Air Credit Union operates as a full-service financial institution offering a unified banking platform with integrated financial services. The core banking infrastructure consists of Online Banking and Mobile Banking apps that provide access to personal checking (Cashback, Premium Perks, Freedom), savings accounts (Money Market, Super Saver, Savvy Saver, Certificates), vehicle loans, home loans, personal loans, and personal cards. Business banking services include checking, money market, commercial loans, and treasury management. The platform extends through module integrations: InvestiFi (powered by AdvisiFi, InvestiFi Securities, and RQD Clearing) provides self-directed investing and Guided Investing robo-advisory with access to stocks, ETFs, and cryptocurrency; Pocketnest delivers financial wellness coaching; and supplemental services include RetireMEDiQ for Medicare assistance, financial counseling, and credit report services.

Differentiator

Problem solved

Functional benefit

Brands

• Pocketnest: Financial wellness tool inside Day Air's Online and Mobile Banking that coaches members through comprehensive financial planning
• InvestiFi Investment Portal
• RetireMEDiQ

Products and services

• Day Air Online Banking Web-based digital banking platform providing 24/7 account access, bill payment, account management, transfers, loan applications, and integration with the InvestiFi investment portal for personal banking members.
• Day Air Mobile App Mobile banking application for iOS and Android offering account management, mobile deposit, bill pay, alerts, card controls, and integrated access to Pocketnest financial wellness and InvestiFi investment services.
• Cashback Checking Personal checking account earning 2% cash back on purchases up to $750 per month via debit card for everyday spending rewards.
• Premium Perks Checking Enhanced personal checking account with additional perks and benefits beyond standard checking for members seeking premium features.
• Freedom Checking Basic personal checking account with flexible features for members seeking simple, low-cost everyday banking.
• Savings Accounts (Money Market, Super Saver, Savvy Saver, Certificates) Personal savings products including Money Market, Super Saver, and Savvy Saver accounts along with Certificates of Deposit (CDs) for various savings goals and terms.
• Vehicle Loans Financing for new and used automobiles, motorcycles, jet skis, boats, and RVs with pre-approval options and competitive interest rates.
• Home Loans Residential lending products including traditional mortgages, home equity loans, construction loans, and student loans for education financing.
• Personal Loans Unsecured personal loans for various consumer financial needs with flexible terms and competitive rates.
• Personal Cards (Debit, Low Rate Credit Card, Rewards Credit Card) Personal credit and debit card products including Low Rate Credit Card and Rewards Credit Card, with card management controls via mobile app.
• Business Banking Comprehensive business banking services including business checking, money market savings, commercial loans, term loans, lines of credit, business bill pay, treasury management, and invoicing and payments for small to mid-size businesses.
• Business Banking App Mobile application for iOS enabling business account management, treasury operations, and access to commercial banking services.
• InvestiFi Self-Directed Investment Portal Embedded investing platform enabling buy/sell trading of stocks, ETFs, and cryptocurrency (25+ coins, 6,500+ stocks/ETFs) with zero commissions, fractional shares ($1 minimum), and market data powered by Yahoo Finance, accessed through Day Air's online banking and mobile app.
• Guided Investing (Robo-Advisory) Robo-advisory investment service offering personalized investment guidance and managed account services through the InvestiFi platform integration.
• Pocketnest Financial Wellness Tool Financial wellness coaching tool accessible through Day Air Online Banking and Mobile App that guides members through ten core areas of comprehensive financial planning via personalized plans and bite-sized tasks.
• Financial Counseling Confidential financial counseling and debt management services to help members facing financial challenges with budgeting, credit improvement, and debt reduction.
• RetireMEDiQ Medicare Advisory Medicare transition assistance program in partnership with RetireMed providing email and direct mail guidance and access to experienced advisors at no cost to members preparing for Medicare enrollment.
• Credit Report Services Member service assisting with obtaining free annual credit reports and interpreting credit information to help members improve credit scores.
• Day Air Insurance Homeowner's insurance and property coverage offered to members through a partnership with Day Air Insurance, powered by the Insurance Aisle platform.
• Retirement and Financial Planning (LPL Financial) Retirement planning and investment advisory services provided by financial advisors through the LPL Financial partnership accessible to Day Air members.

Quantifiable outcome

• Over $100 million in mortgage originations in 2020
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature4 records

Partnerships

13 partnerships are on record, tiered flagship, core and minor.

• Dayton DragonsflagshipGTM or Marketing Partner · 9 June 202610-year extension of stadium naming rights partnership keeping the stadium named Day Air Ballpark through 2040. Dragons President Robert Murphy cited the continuity with the naming rights partner as helping secure the team's future. CEO Bill Burke stated the credit union is deeply invested in the Dayton community and committed to supporting the team.
• InvestiFicoreTechnology or Integration · 17 February 2026Partnership with embedded investing solutions provider InvestiFi to offer digital investment tools to Day Air's 54,000 members. The integration provides Guided Investing robo-advisory services and self-directed investing access to over 25 cryptocurrencies and 6,500 stocks and ETFs through Day Air's online banking platform and mobile app. InvestiFi Securities LLC serves as the broker-dealer and RQD Clearing LLC as the qualified custodian.
• PocketnestcoreTechnology or IntegrationFinancial wellness tool integrated into Day Air Online Banking and Mobile App. Pocketnest coaches members through ten core areas of comprehensive financial planning in approximately three minutes per week, providing personalized plans with bite-sized tasks and reminders.
• RetireMedminorGTM or Marketing PartnerPartnership with RetireMed to provide Medicare transition resources for members preparing for Medicare enrollment. RetireMed offers email and direct mail communications plus access to experienced advisors at no cost to members, families, and friends.
• Day Air InsuranceminorGTM or Marketing PartnerInsurance partner accessible through Day Air providing homeowner's insurance and property coverage. Powered by Insurance Aisle platform.
• LPL Financial (Retirement & Financial Planning)minorGTM or Marketing PartnerFinancial advisors available through Day Air for retirement planning and investment services. Website at dayair-lpl.com.
• Centerville High SchoolcoreStrategic or Co-development PartnerOngoing partnership for Mad City Money Financial Reality Day, an interactive simulation teaching students budgeting and money management skills. Over 425 students participated in the most recent event. Also supports Ohio's Financial Literacy graduation requirement.
• Northridge High SchoolcoreStrategic or Co-development PartnerFirst-time partnership to host Mad City Money Financial Reality Day, bringing interactive budgeting simulation to Northridge High School students.
• SAFE Trust CompanycoreTechnology or IntegrationWyoming-based qualified custodian for digital assets (cryptocurrency) purchased through Day Air's InvestiFi platform. Digital assets are held in wallets maintained by SAFE Trust Company separate from Day Air and InvestiFi.
• AdvisiFicoreTechnology or IntegrationSEC-registered investment adviser providing Guided Investing robo-advisory services integrated into Day Air's investment platform. AdvisiFi provides investment profiles and managed account services.
• InvestiFi Securities / RQD ClearingcoreTechnology or IntegrationSEC-registered broker-dealers (members FINRA/SIPC) handling trade execution and custody of securities (stocks, ETFs) for Day Air's investment platform. RQD Clearing LLC custodies all customer assets.
• United States Secret ServiceminorStrategic or Co-development PartnerPartnership to bring internet safety and fraud awareness education to Centerville High School students, with nearly 300 students participating in the educational session.
• Dayton VA Medical CentercoreStrategic or Co-development PartnerFull-service branch located at the Dayton VA Medical Center providing banking services to veterans and their families as part of Day Air's care team approach.

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• BECU: BECU is a large member-owned credit union serving the Pacific Northwest with personal and business banking, lending, and investment services. It is a broad incumbent peer on cooperative structure, community focus, and breadth of product set, with a substantially larger membership and asset base than Day Air.
• SchoolsFirst Federal Credit Union: SchoolsFirst FCU is one of the largest credit unions in the U.S., serving California school employees and their families with full personal and business banking, lending, and investment services. It is a broad incumbent peer in terms of product breadth, scale, and member-owned cooperative model.
• Lake Michigan Credit Union: Lake Michigan Credit Union is a large community credit union offering a broad range of consumer and business banking, lending, and investment products across the Midwest. It is a broad incumbent peer on cooperative structure and full-service offerings, though at materially larger scale than Day Air.
• Fifth Third Bank: Fifth Third Bank is a regional commercial bank headquartered in Cincinnati with deep Ohio retail and business banking presence. It is a broad incumbent competitor to Day Air in southwest Ohio, offering comparable consumer and business banking, lending, and treasury management products at much larger scale.

Direct peers

• Connexus Credit Union: Connexus Credit Union is a digitally-led community credit union offering full banking, lending, and integrated investment services nationally. It is a direct peer on cooperative structure, breadth of personal/business product set, and member-driven digital strategy.
• Wright-Patt Credit Union: Wright-Patt Credit Union is a community credit union headquartered in Beavercreek, Ohio — the same southwest Ohio market as Day Air — serving Wright-Patterson Air Force Base employees and the broader Miami Valley. It is the most direct geographic and product peer, with a similar full-service consumer and business banking model.
• Atomic Credit Union: Atomic Credit Union is a community credit union serving south-central Ohio, with a comparable member-owned model, full-service consumer and business banking offerings, and similar community-engagement orientation to Day Air.
• Alliant Credit Union: Alliant Credit Union is a digital-first national credit union offering checking, savings, lending, and credit cards to a broad membership base. It is a direct peer in product mix and digital-led delivery, and competes for the same digitally-oriented consumers that Day Air targets via its mobile and online channels.
• Kemba Financial Credit Union: Kemba Financial Credit Union is a member-owned cooperative headquartered in West Chester, Ohio, serving Cincinnati-area consumers and select employer groups. It is a direct peer in terms of cooperative structure, Ohio footprint, and full-service personal and business banking product set.

Emerging players

• SoFi: SoFi is a digital-first financial services company offering consumer banking, lending, and brokerage/investing products, with a national digital footprint. It is an emerging-player competitor to Day Air, particularly in deposit gathering and embedded investing, where it competes for the same digitally-oriented members.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/dayaircreditunion
• Facebookfacebook.com/DayAirCreditUnion
• LinkedInlinkedin.com/company/1582887/admin
• Instagraminstagram.com/dayaircreditunion
• TikToktiktok.com/@dayaircreditunion?is_from_webapp=1&sender_device=pc

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Day Air Credit Union