2021 Scholarship Program


Quest Federal Credit Union recognizes, rewards, and supports the pursuit of higher education in our community. Quest is making available nine (9) $500 scholarships for those high school students who will be continuing their education following graduation.


  • 3.0 GPA or higher
  • Will attend an 2- or 4-year accredited university, college, or technical school
  • Students in Hardin, Logan, or Wyandot counties are eligible, also if you reside outside these counties, but have a parent or grandparent that is a Quest member you are eligible.
The eligibility requirements have changed from the 2016 program. If you have questions about eligibility, please DO NOT HESITATE to contact us and ask! Contact Us or email us at questadmin@questfcu.com


  • Your application will be evaluated by the Quest Federal Credit Union Scholarship Committee and you will be notified no later than May 31st, 2021


Mail to:

Quest Federal Credit Union Scholarship Committee
c/o Quest Federal Credit Union
12837 US Highway 68
Kenton, OH 43326

2021 Scholarship Program posted on March 4th, 2021 by in News | Permalink

Safe. Smart. Open.



Quest Federal Credit Union executive management team members and our board of directors are pleased to announce that Quest FCU lobbies will again be open to service our member/owners banking needs.


As we open our lobbies to member/owner business on March 8, 2021 at 8:00am, we would like to remind our members that their health and safety, as well as the health and safety of our staff members is our utmost concern. As with many business operations, changes have taken place and this will be our new way of providing service. We are still following all applicable health board advisories from federal, state, and local agencies. We will be following the social distancing guidelines and continue to work with our staff and members to ensure we are “Safe. Smart. Open.” for the foreseeable future.


For our most vulnerable and at-risk member/owners, our drive thru services remain open and available to our members with FULL SERVICE options, to provide the most efficient and protective business options. We welcome you to continue using the drive thru. Additionally, our online banking and mobile banking solutions are continuously available for members.


The following steps have been taken to ensure the health and safety of our members and staff:

  • Lobbies have been marked for safe distance and occupancy will be limited to ensure that members are not put into positions of crowding.
  • Protective shields are available at all teller stations and will help to minimize contact.
  • Masks are required per state health orders. Members should be ready to present proper identification or temporarily remove the mask for identification purposes.
  • Additionally, while wearing a mask, we may respectfully request that hats, hoods, sunglasses, and other coverings be removed to ensure proper identification and safety.
  • Hand sanitizer stations are present in all branch lobbies.
  • Appointments can be made for loan services, please contact your branch for appointment options.
  • Branch staff will be cleaning, sanitizing, and working diligently to stop the spread of COVID-19.

Thank you for your patience as we work through these new business practices. We are excited to welcome our member/owners back to our branches, we ask for your understanding and work with us to provide service beyond expectation.

Matthew Jennings, CEO
Quest Federal Credit Union

Safe. Smart. Open. posted on March 4th, 2021 by in News | Permalink

2021 Annual Meeting


Annual Meeting Reminder!

On Saturday, March 20, 2021 at 9:00am, Quest Federal Credit Union will be hosting our Annual Meeting virtually. Due to COVID-19 and social distancing guidelines, in-person attendance is restricted. For members who wish to attend virtually, we are offering virtual access through Zoom. As the meeting date approaches, meeting information will be provided. All member/owners are invited to attend our 2021 Annual Meeting.

Please join us as we review the achievements of 2020 and discuss the future of Quest Federal Credit Union.

Review the biographies for Quest’s 2021 Board of Directors nominees.

Explore the Possibilities!

2021 Annual Meeting posted on February 17th, 2021 by in News | Permalink

Exploration Podcast

Exploration Podcast Announcement

Exploration Podcast

Quest Federal Credit Union CEO, Matthew Jennings and Brian Sprang, CIO, are pleased to announce the debut of EXPLORATION, a podcast series from Quest Federal Credit Union.

Matt & Brian cohost this informative podcast series to help educate and inform our membership as well as board, staff, and the general public on all things QUEST FCU! Matt & Brian record Exploration periodically and release new episodes featuring guest appearances by other Quest staff and board members. Topics are presented in a conversational manner and we invite everyone to give us a listen, and if you like what you hear, subscribe and take us with you wherever you go! New episodes are released periodically, be sure to subscribe and watch for new episodes! Thank you for listening!

Exploration Direct Link: Exploration

Exploration on Apple Podcasts: Exploration (Apple Podcasts)

Exploration on Google Podcasts: Exploration (Google Podcasts)

Subscribe: More subscription services available!


What’s a podcast?

According to Wikipedia, a podcast is an episodic series of spoken word digital audio files that a user can download to a personal device for easy listening. Streaming applications and podcasting services provide a convenient and integrated way to manage a personal consumption queue across many podcast sources and playback devices.

How do I listen?

If you’re visiting this page on your mobile device, just tap on the Apple Podcasts or Google Podcasts button above and it should open the default app on your device for podcast listening. You can also click on the Direct Link above and pull up each episode and listen through your web browser.

Exploration Podcast posted on January 29th, 2021 by in Exploration | Permalink

From the CEO – January 2021

From the CEO’s Desk

Hello, my name is Matt Jennings and I am the Chief Executive Officer of Quest Federal Credit Union.

I hope this letter find your new year off to a healthy and successful beginning for you and your family! Just a quick update on our lobby closures, as I mentioned in my previous letter, this step was taken for the overall safety of our members and our staff. We are all aware of the news and that cases continue to increase in our area and I know the lobby closures are inconvenient for all involved but we will continue with phone, online and drive up service only until we begin to see a decline in cases. Again, I know this can be terribly inconvenient and we do appreciate your cooperation and willingness to assist Quest in keeping everyone safe. If you have business to conduct that may require you to enter the building, we can make accommodations for this, I ask that you call your local branch VP of Operations and they will assist you in making arrangements to enter their branch and take care of your needs.

Quest highly encourages all members to take a moment to view and learn about our online services. We have a high volume of our members that use our online banking and mobile app currently and these service lines are Safe and Secure! It is frustrating we know when 14,500 members are all trying to call our offices and visit our drive ups at the same time. With mobile access you can view your account, retrieve a statement, move money around, make payments, track transactions, apply for loans and so much more. Again, we highly encourage our members to explore this option for service and our Member Service Representatives and Call Center Coordinators will be more than happy to assist you in setup and navigation. More information is available on our homepage and links are below.

2020 was one for the ages! We all know the prevailing news about the pandemic, political and civil strife among other concerning issues in the past year. That said, Quest had a banner year and for that, we thank our members for their continued patronage of the credit union, it takes all of us to maintain the level of success that Quest achieved in 2020. Asset growth ended the year at 29.28% and we now hold $159m in assets as of year-end. Loan growth was very strong coming in at 10.16% and even more positive that our delinquency is at an all-time low of 0.43%. Membership growth was very strong finishing at 3.41% net of dormancy and from an earnings standpoint, we closed out 2020 with a very strong 0.71% Return on Assets (ROA). All told, the picture for Quest was very bright in 2020 and this momentum has propelled us into 2021 with a strong foundation for safety and soundness.

January is typically the month that our Management Team and Board of Directors meet to conduct our planning session for the upcoming 12-18 months. As you can expect, we did not gather this year and have chosen to push our planning session back into late spring or early summer when it’s more likely that we can meet and discuss our plans in a face to face environment. Have no worries, we have plenty to keep us busy to begin the year and the major topic for 2021 is our developing plan to expand at Indian Lake. If you are not aware, Quest purchased a lot on Main St. in Russells Point just to the west of the harbor and donut shop. It’s a great location that has water access at the harbor and is easy to reach by road from the surrounding areas. We are currently finishing the design process for a 2400 square foot branch with a full serve ATM, drive up and lobby with a full time Loan Officer. The building will be an attractive addition to Russells Point and create a great point of contact for our members that live and work in the Indian Lake region. Our Board approved the expansion at their January meeting and our timeline is to finalize the design, seek state and local plan approval and be ready to break ground in September once the lake has reached the off season. Normally a branch takes 5-6 months to complete so we are planning for a spring 2022 opening date. Quest is very excited to take this step that has been planned for several years and we are very motivated to be a great community partner to Russells Point and the entire Indian Lake region.

In closing, thank you for your patronage. The Board of Directors and Staff would like to wish you all the best for a safe, healthy and successful 2021. We view Quest as one big family and we are here to help, so if there is anything that we can do to make your quality of life better, do not hesitate to ask! Stay safe, take care of family, neighbors, friends and yourselves. Thank you and I welcome any comments, suggestions or questions from our member/owners. I can be reached by calling the Main Office or via email at mjennings@questfcu.com. Thank you for your loyal patronage to Quest and I challenge you to Explore the Possibilities!

Matt Jennings, Chief Executive Officer

Quest FCU CEO, Matt Jennings Matthew Jennings, CEO
Quest Federal Credit Union
From the CEO – January 2021 posted on January 20th, 2021 by in From the CEO | Permalink

Ramge Appointed to Board Seat

Ramge Appointed to Board Seat


Kenton, OH – Quest Federal Credit Union announced on November 17th the appointment of Brandon Ramge to their Board of Directors. Brandon attended the The Ohio State University earning an Associate of Arts Degree. At one time Brandon pursued a firefighting career, completed the EMT program, and earned certification in Professional Firefighting I & II. Brandon has served on the Strategic Development Committee of Quest since 2017 and when a vacancy was created by a retirement from the board, Brandon was selected to fill the position. “Brandon has been a tremendous asset to our Strategic Development Committee, learning multiple roles and taking a strong interest in finances over the last several years. We are excited to have him join our Board and look forward to working with him in the future” stated Board President, Sarah Wirbel.

Brandon previously worked in production management positions in the automotive part supply industry and is currently going into his 8th year as owner and operator of a small business that provides cleaning services to bars and restaurants, locally and in surrounding communities. Matt Jennings, CEO of Quest said “the Strategic Development Committee was formed to begin the long term training process that it takes for Board Members to fully understand their role in our operations, to learn the history of Quest and the credit union industry, and our philosophy towards community development as well as credit union growth strategies. Brandon exemplifies the dedication it takes to learn, develop, and grow as a volunteer leader at Quest”. Brandon is a lifelong resident of Kenton and a member of Immaculate Conception Catholic Church. He is married to Amber and they have two children, Cadon and Brylee.

Ramge Appointed to Board Seat posted on November 19th, 2020 by in News | Permalink

From the CEO – November 2020

From the CEO’s Desk

Hello, my name is Matt Jennings and I am the Chief Executive Officer of Quest Federal Credit Union.

As you are aware, the COVID-19 pandemic has caused many changes to our daily lives and recently, Quest’s Executive Management Team with support of our Board of Directors, made the tough decision to close our lobbies effective Monday, November 16th. The health and safety of our member/owners and staff was at the forefront of our decision making process and Quest is simply doing our part to help slow the upward spike in cases this fall.

As we had to do in the spring, our drive thru’s will remain completely open, we are all available over the phone for all products and services. ATM’s will be maintained, fully stocked and available 24/7 at our branch locations and you can visit our website to see other offsite ATM locations. The loan department will remain open and the loan staff is available to speak with you over the phone regarding your lending and payment needs. Thankfully, we launched e-signature for our loans several years ago and will maintain the ability to deliver loan documents and funding to our member/owners. Debit, Credit and ATM cards are of course a great option for your spending needs and we encourage our member/owners to download our mobile apps for your convenience. If you need assistance with mobile applications or online banking, please give us a call and we will be happy to assist. We thank you for your understanding.

On a brighter note, 2020 continues to be a great year financially. We are currently holding $156m in assets, loans are on pace to surpass 15% growth for the year, membership growth is very strong and delinquency is very good at 0.51% which is at or below peer average. All told, Quest remains strong and confident in our financial performance year to date and most recently, received notification that our Bauer 5 Star rating was renewed for another quarter. This marks 61 consecutive quarters with the highest ranking that Bauer awards. Let me be the first to say congratulations and thank you to our member/owners for making this incredibly strong rating possible!

In closing, thank you for your patronage. The Board of Directors and Staff would like to wish you all the best, together we will overcome this pandemic and please do not hesitate to ask one of our amazing staff members if there is something you need or if we can help in any way. We view Quest as one big family and we are here to help. Stay safe, take care of family, neighbors, friends and yourselves. Thank you and I welcome any comments, suggestions or questions from our member/owners. I can be reached by calling the Main Office or via email at mjennings@questfcu.com. Thank you for your loyal patronage to Quest and I challenge you to Explore the Possibilities!

Matt Jennings, Chief Executive Officer

50 Years
Quest FCU CEO, Matt Jennings Matthew Jennings, CEO
Quest Federal Credit Union
From the CEO – November 2020 posted on November 13th, 2020 by in News | Permalink

2020 Holiday Skip a Pay


It’s back! Quest Federal Credit Union is pleased to announce to our membership that from November 1, 2020 through January 31, 2021, the Skip-A-Pay option is available again for a limited time!


With Skip-A-Pay, eligible loan payments may be skipped. Participation in the Skip-A-Pay program is allowed one (1) time annually, for each qualifying loan product. Eligible members can choose to skip a payment in person by requesting the skip with a Member Service Representative (MSR) or online, through the It’s Me 247 online banking platform. When skipped, a loan product’s maturity date and calculated interest payment for the next scheduled payment will be automatically updated and maintained in the system.

Eligibility Requirements:

  • Members with a credit score of 640 or higher at the time of application
  • Members having a qualifying product for more than ninety (90) days
  • Members may take part in Skip-A-Pay for each qualifying loan

Eligible Loans:

  • Share secured loans
  • Unsecured closed end loans
  • New/used auto/RV loans

* Real estate loans, HELOC, AG*Quest loans, and secured/unsecured lines of credit (including Quest credit card) accounts are not eligible for Skip-A-Pay.

Go to Online Banking Now!

Common Questions:

Will the payment I’m skipping extend my loan term?
  • Yes, the maturity date of your loan will be extended by one month.
Will the loan continue to accrue interest for the month I skipped?
  • Yes, skipping this payment will increase the overall amount of finance charges for this loan.
Are there fees associated with the Skip-A-Pay program?
  • Yes, a $35 fee will be charged for each loan payment that is skipped.
When can I skip a payment?
  • Quest Federal Credit Union will designate 2 windows during the calendar year (January through December), during which eligible members can skip a payment for qualifying loan products. Notifications will be made and dates published as determined by credit union management.
Can I skip a payment during the Back-to-School and Holiday Skip-A-Pay windows?
  • No, members are only permitted to skip 1 payment annually for each loan held by a member.
Is the Skip-A-Pay program effective forever?
  • No, Quest Federal Credit Union can terminate this program at any time at the discretion of the board of directors or management.
Will my automatic transfers (AFT or ACH) be stopped for this month?
  • No, adjustments to automatic transfers will have to be made in person with an MSR or through online banking. It is the responsibility of the member to request or perform adjustments to automatic payments already in the system.
2020 Holiday Skip a Pay posted on November 1st, 2020 by in News | Permalink

2020 Holiday Loan Special

Holiday Loan Banner

Apply online to save $$$! For eligible borrowers, a rate reduction of 0.50% APR is available for Holiday/Christmas Loans applied for online.

Click here to begin!

Instead of using your high-interest credit cards for holiday gifts, why not apply for a low-interest Holiday Loan from Quest?
Loan discount available 11/1/2020 through 12/31/2020. APR = Annual Percentage Rate.

If you’re interested but need more information, contact our loan officers today at any of our 5 locations.

Kenton – Main Branch

12837 State Route 68 Kenton, OH 43326

Ph: 419-674-4998

Kenton – Jacob Parrott Branch

101 Jacob Parrott Blvd. Kenton, OH 43326

Ph: 419-675-2322

Bellefontaine Branch

900 E. Sandusky Ave Bellefontaine, OH 43311

Ph: 937-599-1321

Ada Branch

232 N. Main Street Ada, OH 45810

Ph: 419-634-0031

Upper Sandusky Branch

1725 E Wyandot Ave. Upper Sandusky, OH 43351

Ph: 419-835-1101

2020 Holiday Loan Special posted on November 1st, 2020 by in News | Permalink

From the CEO – October 2020

From the CEO’s Desk

Hello, my name is Matt Jennings and I am the Chief Executive Officer of Quest Federal Credit Union.

Quest held its Annual Meeting on Saturday, September 19th at the Bellefontaine Regional Airport Hangar Banquet Facility. We had a nice turn out all things considered for the challenges that 2020 has presented in having group meetings. The meeting consisted of our standard business meeting and election of board and credit committee members. Allen Barrett, Jeff Beach and Ron Rogers return to the board of directors and Dave Sturgeon is returning to the credit committee. Our new President, Sarah Wirbel gave remarks to members gathered concerning our financial position and plans for 2020 and beyond. We thank all of our members that made the time to come and listen to our annual report. If you were unable to attend, extra copies of the Annual Report are available at branches and for download here: 2020 Annual Report

Service awards were presented to staff and board members and are as follows; Kelly Rickenbacher and Emily Heilman for 5 years, Angela Newland, Tracy Hollinger, and Jolene Bailey for 10 years, Jenny Musson and Karla Lowe for 15 years, Paige Wallace and Deb Houser for 20 years, Vickie Roszman for 25 years, and Allen Barrett for 30 years. It is always a pleasure to recognize the hard work and dedication of our staff and volunteer board members, congratulations to all and I look forward to working with you for many years to come!

On the financial side, 2020 continues to show strong performance numbers. All things considered, we are growing, loan demand has been strong, net income is tracking on budget for year end and delinquency remains low. Member growth is above average and is a testament to the outstanding service that our new and existing members receive from our member service and lending staff. As we round out the 3rd quarter and head into the home stretch of 2020, I will keep you posted on our performance goals and I am looking forward to another strong finish to our fiscal year.

In closing, thank you for your patronage. The Board of Directors and Staff would like to wish you all the best. Stay safe, take care of family, neighbors, friends, and yourselves. Thank you, and I welcome any comments, suggestions, or questions from our member/owners. I can be reached by calling the Main Office or via email at mjennings@questfcu.com. Thank you for your loyal patronage to Quest and I challenge you to Explore the Possibilities!

Matt Jennings, Chief Executive Officer

50 Years
Quest FCU CEO, Matt Jennings Matthew Jennings, CEO
Quest Federal Credit Union
From the CEO – October 2020 posted on October 1st, 2020 by in From the CEO | Permalink