Home About Us Savings & Checking Mortgage Program Tuition Program News & Notes Morgan's Memos Privacy Policies Rewards Signature Loans Contact Us About Us Best Vanilla Ice Cream DOY is not driven by the profit motive. There are no outside shareholders to satisfy. DOY's main purpose is to serve their membership in two primary areas: saving and borrowing. Therefore, DOY has a very strict and conservative lending and investment policy. DOY confines its lending to its own creditworthy members. DOY's lending policies are constructed in a common sense and fair manner providing DOY a strong loan portfolio that has relatively few losses. All of DOY's mortgages are kept at DOY and are not sold on the secondary market. Over twenty years of mortgage lending, DOY has foreclosed on only three loans. DOY's investments are selected where there is virtually no market risk. All investments are short term and all are federally insured. DOY does not invest in stocks or bonds that could expose its assets to any risk. In summary, DOY's only concern is its members. Every policy, either investment or lending, is established to best serve the membership. All earnings are returned to the membership in the form of lower rates on loans, higher returns on savings, and/or better member services. DOY may not have all the "fancy flavored ice creams" other financial institutions advertise (CD's, IRA's, Stock Investments, etc.); but one thing is for certain, DOY has the best "vanilla ice cream." "Did someone say ice cream?" DOY Facts DOY is a Federal Credit Union regulated by the National Credit Union Administration. All savings are federally insured up to $250,000 by the NCUA. DOY is one of the largest Federal Credit Unions in the Youngstown Area with over 3,000 members. DOY's field of membership includes: Employees of any Diocesan agency All parishioners in the Diocese of Youngstown Families of Parochial School students Mercy Health Hospital employees (e.g. St. Elizabeth, St. Joseph,) Mercy Health affiliate employees (e.g. clinics, labs, x-ray, physical therapy, etc.) Physicians, staff, and technicians who have privileges in Mercy Health hospitals and the employees of such physicians St. Joseph Hospice (Louisville) Cold Metal Products retirees United Engineering employees Members of Local #87 Plumbers and Steamfitters Once a Member, Always a Member Even if a member leaves their place of employment or leaves the area, they can still remain a member of DOY. All family members within the same household of a DOY member are eligible for membership. DOY is a Federal Credit Union and is not affiliated in any way with the Diocese of Youngstown except to define DOY's field of membership. DOY is located in Liberty Township just off the 711 connector, Gypsy-Belmont Avenue Exit. Turn left off the exit and DOY is on the left 100 yards before Belmont Avenue. Walk-In Office Hours Monday, Wednesday, and Friday 9:30 a.m. - 4:30 p.m. Tuesday and Thursday Noon - 4:30 p.m. Phone service begins each business day at 9:00 a.m. until closing. Drive Thru Hours Monday and Friday 9:30 a.m. - 5:30 p.m. Tuesday, Wednesday, and Thursday 9:30 a.m. - 4:15 p.m. For More Information Call 330-744-5680 DOY Federal Credit Union 1500 Gypsy Lane, Youngstown, OH 44505 Phone: 330-744-5680 | Email: info@doyfcu.com