Mailing Address
Sorg Bay West FCU
P.O. Box 42903
Middletown, Ohio  45042

Street Address
Sorg Bay West FCU
400 North Broad Street
Middletown, Ohio 45042

Office Hours (Lobby and Drive Up)
Monday        8:00 AM - 4:00 PM

Tuesday        8:00 AM - 4:00 PM
Wednesday   8:00 AM - 4:00 PM
Thursday      8:00 AM - 5:00 PM
Friday           8:00 AM - 5:00 PM

                                                                                                                                                                                                      Phone: (513) 422-8697 or (888) 426-1310

Fax: (513) 422-1692

Liberty Check Reorder


As a member of the Sorg Bay West FCU, you have the opportunity to take advantage of our wide range of financial products including our diverse savings and loan programs. We offer a variety of terms and rates to meet your needs. Listed below are the various products that the Sorg Bay West FCU has to offer:


Savings Products

Share Savings:  
Your ticket to membership. By opening a share savings account, you qualify for all Credit Union services. A $5.00 minimum deposit is required to begin your relationship with the Credit Union. All dividends are paid quarterly and calculated on your daily balance. A $100 balance is required to earn dividends.
Share Draft/Checking Accts:
We offer a Share Draft or Checking Account with no minimum balance, no per check fees, and no monthly service charge.  Also, our first 50 checks are free. Dividends will be paid on accounts with a daily balance of $500 or more.
Share Certificates of Deposit:
Our Share Certificates offer competitive rates and a variety of terms, including automatic rollover at the current rate, to meet your needs. A $1000 minimum opening deposit is required. All deposits are insured up to $100,000 by the National Credit Union Administration, a U.S. Government Agency.
Ira Accounts:
We offer a daily interest IRA account with no application or account management fees. Payments can be made by payroll deduction, regular deposits, or in one contribution.
IRA Certificates:
We offer IRA Certificates for 12 month and 24 month terms. The rates are very attractive and a $1000 minimum deposit is required.
Special Savings Accounts:
The Christmas Club, Vacation Club or other special savings accounts can help you save money for those special times.


Loan Products

New Vehicle Loans:
Purchase a new vehicle with a loan from the Credit Union. We offer competitive rates, 100% financing, terms up to 72 months and no prepayment penalty. We also offer loans on motorcycles, boats and recreational vehicles.
Used Vehicle Loans:
The Credit Union can finance up to 100% of the retail value of a used vehicle. Combined with competitive rates and no prepayment penalty, this is a great way to finance that used vehicle. We also offer loans on motorcycles, boats and recreational vehicles.
Signature Loans:
This unsecured loan allows the member to borrow money for a variety of reasons ranging from bill consolidation to a new computer. We offer a $5000 maximum signature loan with terms up to 36 months.
Vacation Loans:
A $2000 maximum unsecured loan with terms up to 24 months. A great way to finance your vacation needs.
Christmas Loans:
A $1200 maximum unsecured loan with a maximum term of 12 months. Help finance all your holiday needs with this short- term loan.
Share Secured/CD Secured Loans:
An automatically approved loan because your shares or a CD are used as collateral. The rates on these loans are 3% above the dividend rate of the savings product used as collateral. The savings product continues to earn dividends while the loan is being repaid and as the loan balance decreases, the share availablilty increases. This type of loan is a great way to establish credit.
Home Equity Loans:
A fixed rate home equity loan with a maximum term of 15 years. The total of the 1st mortgage and 2nd mortgage is not to exceed 90% of the appraised value. There is a minimum loan amount of $3000 and maximum of $75,000.  There is a $250 fee.
Visa Classic Credit Card:
The Visa Classic card is available for a wide variety of uses.Credit lines from $500-$5000. There is a fixed rate with no annual fee or cash advance fees.
First Mortgage Loans:
The Credit Union has partnered with Wright-Patt Financial Group to offer you a variety of 1st Mortgage products.  Please visit where you can apply on line for a mortgage or just browse to see the available products.