Surge Financial Group is not just another community financial institution. We are a financial cooperative made up of members sharing a common bond - membership is open to anyone who lives, works, worships or attends school in all of Sandusky & Ottawa Counties and parts of Seneca & Wood Counties. We've been around since 1946 and have steadily built a strong reputation in Sandusky County for great service, low loan rates, higher than market deposit rates and payroll deduction. Did you know credit unions were the first to offer payroll deduction as an easy way to repay your loan or build a savings nest egg? Credit unions have been the pioneers of many products and services that benefit their members. In fact, credit unions continue to be on the cutting edge of many technological advances in the financial services industry, such as shared branching, that our competitors have been unable to match. And if that isn't enough, your money is safe and insured. We offer our members a unique experience defined by our owners . . .you! Take a look at the benefits you'll automatically enjoy just for being a member of Surge Financial Group.

You're an Owner

Surge Financial Group is not owned by one person or organization, it's governed by you, its members. Our Board of Directors are volunteer members elected for a three year term at our annual meeting each May. As a member, in good standing, you are allowed one vote and can attend and participate in our annual meeting.

Better Rates, Lower Fees and Free Checking!

There are no outside shareholders and profits to worry about. Earnings are returned right back to our members in the form of lower rates and fees. Which means, you receive higher returns on savings and lower than market rates on loans. There are no exorbitant fees for general services, in fact many of our services are free! We have a variety of checking products, all of which are free with other product relationships.

First In Service

Our commitment to service sets us apart. As a member of Surge Financial Group, you are an owner—and we treat you that way. We strive for perfection and personal attention for our members. Your complete satisfaction is our goal.

Community Involvement

Many dollars are invested in our community in the form of sponsorships and donations. Our employees and Board members are active in many civic organizations that benefit our community.