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Telhio Credit Union

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(9 Reviews)

96 N 4th St, Columbus, OH 43215

(614) 221-3233

Today: 8:00 am - 4:30 pm
BBB Accredited businesses follow the BBB Code of Business Practices and pay a fee for accreditation review and monitoring. Accreditation is not a BBB endorsement or evaluation of the business’ product quality or competency in performing services.

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General Info

Telhio Credit Union ( is a member-based, full-service financial institution serving anyone who lives, works, worships or attends school in Franklin County and surrounding communities. Since 1934, we have been committed to providing a full spectrum of products and services at competitive rates.

At Telhio, we offer members:

- Full-Service Banking - All the products and services you expect from a full-service financial institution, plus member benefits such as discounts at many central Ohio businesses through the Telhio Preferred PartnersTM program.

- Convenience - Conduct transactions at any of our branch locations or ATMs throughout central Ohio. Members also can bank at participating credit unions within a nationwide network of shared banking branches when you're away from home

- Security - We participate in the highest level of combined federal and private share savings insurance available, so deposit accounts are insured up to $500,000

- Our Members are Our Priority - We live our "people helping people" philosophy everyday and are committed to providing services to help our members make the best financial choices possible

Multiple locations throughout Columbus. View website at for additional branch addresses.

BBB Rating
BBB Rating and Accreditation information may be delayed up to a week.
BBB Accredited businesses follow the BBB Code of Business Practices and pay a fee for accreditation review and monitoring. Accreditation is not a BBB endorsement or evaluation of the business’ product quality or competency in performing services.

BBB Rating and Accreditation information may be delayed up to a week.

Regular Hours

Payment method
check, master card, visa, amex, cash

See Our 5 Locations, Phone Numbers & Hours Under Products & Services

Downtown Columbus

Telhio Credit Union-Downtown

Telhio Credit Union Inc.

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Mortgages, Credit Unions, Financial Planning Consultants, Financial Services, Banks, Loans, Commercial & Savings Banks


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Trudlebug B.



Others have said it much better than I could. But overall I was unimpressed with their service. Made multiple calls asking for information to make a loan payment and was told don't worry if it is a few days late since they didn't send the paperwork. Then they started calling me asking where the payment is. And they need an "approval" for loan payoffs. WTH? Won't use their services again.

Cheryl J.



SO MANY OTHER credit unions or banks WITHOUT FEES. Telhio charges MORE FEES than the worst bank you know. I'm finished - today I received an account alert after I debit charged in store this am. I get home and immediately transfer $$ to cover shortage (MIND YOU I HAVE $$$$$THOUSANDS IN MY SAVINGS ACCOUNT) SO THEY flipped TWO internet payments to after my debit charge so they could charge me $35 2x. Those 2 payments were already listed as paid in my account when I transferred $$ I will pursue this through every regulatory agency and beyond until I get my account credited. YEARS AGO they would transfer $$ from savings to checking automatically. STAY AWAY SOOOO MANY OTHER BETTER CHOICES for your banking - that WANT your business

Honest R.



I think it is interesting that the ONLY positive review of this terrible company has come from one of its former employees. I imagine this is because it must be wonderful to work for a place that does not push its employees to take accountability for their mistakes, their poor customer service or the poor business practices of their employer. I have had nothing but neutral and negative experiences with this credit union over several years and would not recommend this credit union to anyone. Unless you enjoy poor customer service, hidden fees, holds placed on deposited checks for no reason depending on which teller you encounter and a host of other issues, just avoid this credit union all together and go anywhere else for better service.

Jason M.



This company is so far behind in times it;s not even funny. Their processing times is back in the 80's. Customer service is poor. Spoke to Kelly on the phone in customer service and she is very rude. STAY FAR AWAY FROM THIS PLACE!!!!

Shellie H.




One star is honestly far too much after ALL of the issues I have experienced in 10 years of banking with them. The newest issue you ask? I have thousands of dollars in my account and cannot access ANY of it at the very earliest until Monday because of their horrible policies and hours. My card was declined for several small purchases- including for groceries. Do not trust your money in this credit union. Their policies are horrible and should you experience any issues with your account, just forget trying to get anyone on the phone to resolve them anytime after 1pm on Saturday. I also bank with CS Bank which is by far and beyond better. I should have closed my account with this awful institution years ago.


This bank is from the dark ages.

I have a Huntington account as well, and I find I am constantly comparing Telhio to Huntington and Huntington wins every time. I wanted to bank through Telhio because I wanted to support the idea of a credit union that was local, but I just can't get over how backward Telhio is compared to Huntington- it like banking for old people. My mother in law might like banking there and she'd probably understand how they do things better than me, but I'm used to more modern, efficient systems like Huntington.


Bill Pay:

It takes forever to pay bills because they mail everything. The few options to set up epay on bills are tedious and I gave up on trying to set up my account to epay my credit card bill- it just wasn't worth it. Paying bills by mail through Telhio can take up to a week. Doesn't seem worth it if you your bill is due at a certain time, does it? If you do set up snail mail payments through them, they don't automatically take the money out of your account. It only comes out when they mail the bill a week later. At Huntington, they take it out of your account right away, even if they have to snail mail a bill. This is good because then you don't use that money- it is dedicated to paying that bill. I found out the hard way that with Telhio this isn't the case.

Online access: It is more regulated than the Pentagon. It seems ridiculous for a small local credit union to have more online restrictions than Huntington. Are they too cheap to pay for security measures on their end, so they pass it off to us- making us answer a million odd security questions to just see the balance on our account? It's like they don't really think you want to use online banking, so they make it as difficult as possible to use. Huntington is so easy. I don't want to like Huntington better, but it is better.

Transfers: We have an income source come in through a savings account, but we often need to transfer money from the savings to checking to use it the money out and about on the town. With Huntington, you can connect your checking and savings accounts. One will dip into the other with ease. With Telhio, we were informed that isn't possible. We have to physically get online and transfer the money (refer back to online access here). However, my husband found out the hard way at the grocery store when he realized he hadn't transferred money from the savings to the checking. He tried to do the transfer on his smart phone and realized that he was blocked from doing so because we had exceeded our number of transfers for the month. He had to wait until Monday, then go in and speak with the bank people personally to make that transfer. And- we didn't get groceries. He had to tell the people at the grocery store that he couldn't pay for them. Even though we had hundreds of dollars sitting in our savings account, we had no way to access that money until Monday. Our money! Good thing my husband has more of a flexible schedule, my working hours and demanding schedule would not allow me to go in to speak with anyone at Telhio- they close before I get off work! Huntington has a branch in the Brewery district that is open until 7!

Overall ease of use: We knew credit unions were inconvenient, but wow (see transfers above) when it is YOUR money and you can't check your balance easily (see online banking above) and can't transfer money easily- why are you at that bank? Forget the bank machine issues and even their awful hours- it's your money and you can't do anything with it? That's how they banked in the 1950s. I wanted to support local banks that I "own," but I live in a modern world. I'm too busy for this. It hurts to say this, but Huntington will get my business from now on...



Provided by Citysearch - 

1. One month they didn't post my interest to my account at all...took a week to resolve
2. Second time they refused to credit my interest because they posted one of my qualifying transactions at the beginning of a new month, deceptively disqualifying me from yet another month of interest.



Provided by Citysearch - 
Avoid this one! And never get multiple loans, services etc...

8 year patron. Avoid multiple loans or services**************
First the [credit union] staff told me to turn in a van that my ex was court ordred to pay for, but she did not. So the staff prompted me to turn the van in to them, and I did. They made it seem, as if, it was a good thing for me to do. They said it was not as bad as a repo. I thought they were going to auction the van and subtract the sale cost from the loan, and they did.

BUT THEN THINGS CHANGED! I thought they were going to tell me how much of a payment was going to be needed to payoff the balance on the van.
THAT NEVER HAPPENED! What did happen is that they gave me all kinds of misinformation still making it seem as if I just needed to catch up the car payment now , but then they repo?ed my other car that I was one month behind on but I had just made a payment on.

They then told me that they changed their policy on Jan 07. and told that the accounts are cross collateral and that I needed pay 11,000 (which was the cost of both cars) to get may car back.

On top of that they actually transferred funds from my checking to savings making things even worse by overdrawing my checking account to cover savings charges.