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2020 Annual Report

Members are at the heart of all that we do. Since 1945 Day Air Credit Union has been providing a better banking experience and enhancing members’ financial well-being throughout the Miami Valley.

Letter from the CEO and Board Chairman

To our members, 

Day Air Credit Union began serving the Miami Valley in 1945 when 26 employees of the United States Air Force Depot – Gentile Station (later known as DESC); came together to help each other improve their financial well-being. This humble beginning and the credit union philosophy of “People Helping People” fueled Day Air’s formation. As your credit union, our focus is always on providing you with a better banking experience.

This past year we solidified this commitment to you by making “a better banking experience” the official tagline of your credit union. We pride ourselves on removing barriers, solving problems, and creating opportunities to help you enhance your financial well-being. At no other time in history has this been more important than right now, as our members and communities face the challenges created by the COVID-19 pandemic.

Our strength enabled us to innovate and assist members and businesses impacted by COVID-19, including payment relief assistance, deferred payment options, special interest-free loans, and more for members and businesses.

Day Air’s overall strength and stability fosters an opportunity to invest and return profits to our members and communities. We ended 2020 with over 46,000 members and nearly $525 million in assets. Our work this past year ensures that Day Air remains in a strong financial position to help support our associates, members and communities.

Looking back, a few of the many examples of how we returned profits to our members in 2020 include:

Providing more than $5.3 million in direct financial benefit to members through fewer fees and better rates than other financial institutions. That meant an extra $254 in the wallet of each Day Air member household.

Originating more than $100 million in mortgages for members, including over $10 million in mortgages to low-income households.

Waiving more than $140,000 in fees and donating over $20,000 to members impacted by COVID-19.

Giving more than $65,000 in support of community organizations

Teaching over 75 free financial education classes to groups, schools and organizations annually.

Making over 7,000 loans totaling almost $225 million to members and ranking as the 3rd highest vehicle lending source in the Miami Valley.

Our membership is a reflection of the great communities that make up the Miami Valley. From students opening their first savings accounts to small business owners getting personalized service, fewer fees, and local support. Our decisions are guided by a deep caring of our members, their communities and our mission to enhance your financial well-being.

Together we will make it through these very challenging times and be stronger for it. We appreciate your commitment to Day Air, and we promise to continue providing you with a better banking experience.

– William Burke, President and CEO

– Tim Brown, Board Chairman

In 2020, Day Air Credit Union announced the naming of Day Air Ballpark and a 10-year partnership with the Dayton Dragons. Day Air Ballpark, the Dayton Dragons home, is a key driver of economic growth throughout the region, facilitates countless charitable events annually, and provides family-fun to all who live in the Miami Valley.

Providing a better banking experience.

We’re committed to enhancing members’ financial well-being with the best financial products and services available. In 2020, Day Air added numerous products and services to provide a better banking experience for members and assist those impacted by COVID-19.

  • An innovative Premium Perks checking product was added with numerous benefits for members. Premium Perks checking account holders enjoy roadside assistance, cell phone protection, identity theft protection, shopping discounts and many other perks.
  • HSA Certificates were added to the lineup of savings products that Day Air offers. This unique product provides an excellent way for members to earn higher dividends on HSA funds they don’t currently need.
  • The Day Air Pay Someone App was launched, giving Day Air members a secure and fast way to send money to friends and family.
  • Webchat and text services were enhanced to provide a seamless experience for members communicating with Day Air across all digital devices.
  • The Day Air Financial Planning Center* helped more members than ever with investment advice and financial plans amid the COVID-19 pandemic.

When COVID-19 struck, Day Air was there to help.

When the COVID-19 pandemic swept through the world, your credit union’s financial strength and stability allowed us to step up and provide assistance to impacted members. Below are just a few of the many ways we worked with members throughout the pandemic:

  • Waiving more than $140,000 in fees for members impacted by the pandemic.
  • Donating over $20,000 to members, helping them get food and other necessities throughout the year.
  • Giving members early access to stimulus payments.
  • Our focus on independent contractors, small and local business members overlooked by the “big banks” enabled us to help more than 165 businesses get over $6,000,000 in PPP assistance.
  • Allowing members to skip up to three loan payments on eligible loans.
  • Offering 90 days no payment on refinanced consumer loans held elsewhere.
  • Removing required minimum payments for consumer and business credit cards in April for qualifying members.
  • Launching a special Here to Help loan for members that featured no interest for the first 30 days.
  • Supporting members with customized mortgage, home equity and business loan relief as needed.
  • Assisting any member encountering hardship with the personalized assistance they needed to get through the pandemic.

Committed to the communities we serve.

Our members and their communities influence our daily decisions and fuel our passion for giving back. They are the reason behind our commitment and inspiration for being a premier credit union. In 2020, Day Air gave back in more ways than ever to your communities.

  • Day Air contributed more than $65,000 in donations and sponsorships to community organizations and charities.

  • Day Air provided over $20,000 in gift cards to members impacted by the pandemic to help them get needed household items.

  • Day Air associates continued to provide financial education throughout the region, both in-person and virtually throughout the pandemic.

  • Day Air delivered more than $7,500 in meals to area first-responders during March and April, as they were at the forefront of the pandemic.

  • Day Air partnered with the Dayton Dragons to raise more than $16,000 for the Dayton Foodbank during the 2020 holiday season.

  • Day Air awarded two scholarships of $1,000 for continuing education to local students.

  • The Dayton Business Journal listed Day Air as a “Top 10 Best Places to Work” and “Top 100 Business in the Miami Valley.”

  • Day Air associates participated in the Kettering Giving Tree, Centerville Adopt-a-Family, Beavercreek Feed the Creek, Butler Township Christmas with a Cop, and donated to the Community Living Center at the VA to make the holiday season a bit brighter in our communities.

“I remember walking into the Day Air Branch in January 2000 and opening my own checking and savings account as a student, and I still have accounts with them today; 20 years later and even living in a different part of the country. I choose Day Air because they have not forgotten what service truly means. It’s been above all others and made me a lifelong member.”

Ashley J.
Day Air Member for over 20 years

In 2020, we were excited to celebrate our 75th year providing a better banking experience with members. Although the pandemic forced us to change our celebrations a bit, we were still able to provide over $7,500 in prizes to members through fun virtual contests and giveaways.

“Day Air is the place to be and is the best credit union! They have helped us every time we needed them, and they helped us get a vehicle when the tornadoes took both of our vehicles.”

– Sandra. S
Day Air Member 7 years

2020 Day Air Financials

as of 12/31/2020

“Had a great experience at Day Air as always. Great service, super friendly staff, and always willing to go out of their way to help with any issues. I won’t bank anywhere else.”

Mark H.
Day Air Member 8 Months

Day Air Board of Directors

The Board of Directors is made up of members from our communities who volunteer their time. You elect them as your representatives to guide the organization in its mission to establish governance policies and monitor Day Air Credit Union’s performance.

– NCUA Insured –

Deposits at Day Air Credit Union are insured to $250,000 by the National Credit Union Share Insurance Fund and backed by the full faith and credit of the United States Government. NMLS # 411837

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Day Air Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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