Dynamic Federal Credit Union
Our Online Banking Site Has Changed
If you previously accessed Online Banking with your Member Number OR Account Number, you will need to click Convert Account.

If you have already converted your Member Number OR Account Number over to a Username, you will need to click Login.

If this is your first time using Online Banking, you will need to click Enroll.

For more info, click on our Quick Reference Guide

Dynamic Federal Credit Union
 900 E. Wayne Street
Celina, OH 45822

 Phone: 419.586.5522
Toll-Free: 844.586.5522
Fax: 419.586.5522
email us


Debt Ratio Calculator
Debt-to-income ratio, which is comparing your earnings against your spending, is one of the most common ways of evaluating if you have too much debt. Debt-to-income ratios are used to give lenders a better idea of a person's current financial picture to determine credit-worthiness.
Gross Monthly Income:
Other Monthly Income:
Monthly Rent/Mortgage Pmt:
Car Loan/Lease Pmt:
Other Loan Pmt:
Credit Card Pmt:
Other Monthly Pmt:
 
Debt Ratio: %

Understanding what your Debt Ratio means:

  • 36% or less: This is an ideal debt load to carry for most people.

  • 37% to 42%: Not bad, but start reducing debt now before you get in real trouble.

  • 43% to 49%: Financial difficulties may be looming unless you take immediate action.

  • 50% or more: Get professional help to aggressively reduce your debt.
The accuracy of this calculator and its applicability to your circumstances is not guaranteed.
Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Guiding the way to financial success.
#26547c
NCUA logo
National Credit Union Administration,
a U.S. Government Agency
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government 		Equal Housing Lender
US Patriot Act
Website Accessibility
Dynamic Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us toll-free at 844-586-5522. All products and services available on this website are available at Dynamic Federal Credit Union’s office or by calling toll-free at 844-586-5522.