Millstream Area Credit Union

1007 Western Ave
Findlay, OH 45840
419-422-5626
www.millstreamcu.com

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Millstream Area Credit Union is headquartered in Findlay and is the 132^nd largest credit union in the state of Ohio. It is also the 2,892^nd largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 17 employees and 7,290 members. Millstream Area Credit Union has a 4-star health rating.

6.00% 24-Month CD at an Ohio CU (Millstream Area) - Update - 4/22/2007

Millstream Area Credit Union is offering a 6.00% APY 24-month certificate. There is a $5K minimum deposit requirement. The early withdrawal penalty is equal to 180 days of interest. This special isn't listed at the credit union's website. Online coupons...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Millstream Area Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$500	-	Cruisin 55 Checking

Millstream Area Credit Union Savings Account Rates

Apy	Min	Max	Product
0.34%	$10k	-	IRA Share
0.34%	$10k	-	Roth IRA Shares
0.34%	$10k	-	Education IRA Share
0.30%	$50k	-	Christmas Club Account
0.30%	$50k	-	Vacation Club Account
0.30%	$50k	-	Special Club Account
0.30%	$25k	-	Minor Share Savings
0.30%	$25k	-	Teen Share Savings
0.30%	$25k	-	Custodial Share Savings
0.30%	$25k	-	Hancock Saves Share Savings
0.30%	$25k	-	Regular Share Savings
0.30%	$25k	-	Senior Share Savings
0.30%	$25k	-	Business Share Savings
0.30%	$25k	-	Trusts Share Savings

Millstream Area Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.34%	$50k	-	Money Market Account

Millstream Area Credit Union CD Rates

Apy	Min	Max	Product
1.95%	$500	-	60 Month CD
1.95%	$250	-	60 Month Minor’s CD
1.45%	$500	-	48 Month CD
1.45%	$250	-	48 Month Minor’s CD
1.20%	$500	-	36 Month CD
1.20%	$250	-	36 Month Minor’s CD
0.96%	$500	-	24 Month CD
0.96%	$250	-	24 Month Minor’s CD
0.75%	$500	-	18 Month CD
0.75%	$250	-	18 Month Minor’s CD
0.55%	$500	-	12 Month CD
0.55%	$250	-	12 Month Minor’s CD
0.45%	$500	-	6 Month CD
0.45%	$250	-	6 Month Minor’s CD
0.35%	$500	-	90 Day CD
0.35%	$250	-	90 Day Minor’s CD

Millstream Area Credit Union IRA Rates

Apy	Min	Max	Product
1.95%	$500	-	60 Month IRA
1.95%	$500	-	60 Month Roth IRA
1.95%	$500	-	60 Month Education IRA
1.45%	$500	-	48 Month IRA
1.45%	$500	-	48 Month Roth IRA
1.45%	$500	-	48 Month Education IRA
1.20%	$500	-	36 Month IRA
1.20%	$500	-	36 Month Roth IRA
1.20%	$500	-	36 Month Education IRA
0.96%	$500	-	24 Month IRA
0.96%	$500	-	24 Month Roth IRA
0.96%	$500	-	24 Month Education IRA
0.75%	$500	-	18 Month IRA
0.75%	$500	-	18 Month Roth IRA
0.75%	$500	-	18 Month Education IRA
0.55%	$500	-	12 Month IRA
0.55%	$500	-	12 Month Roth IRA
0.55%	$500	-	12 Month Education IRA
0.45%	$500	-	6 Month IRA
0.45%	$500	-	6 Month Roth IRA
0.45%	$500	-	6 Month Education IRA
0.35%	$500	-	90 Day IRA
0.35%	$500	-	90 Day Roth IRA
0.35%	$500	-	90 Day Education IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

MILLSTREAM AREA
NCUA #	96756
BankRate Report	View
Year Chartered	1966
Employees	17
Primary Regulator
Assets and Liabilities
Assets	$30.83 million
Loans	$17.11 million
Deposits	$28.06 million
Equity Capital	$2.73 million
Loan Loss Allowance	$770,000
Unbacked Noncurrent Loans	$304,000
Real Estate Owned	$112,000
Historic Data - December 2010
Assets	$27.20 million
Equity Capital	$2.67 million
Loan Loss Allowance	$727,000
Unbacked Noncurrent Loans	$321,000
Real Estate Owned	$47,000
Profit Margin - Quarterly
Net Interest Margin	7.54%
Return on Assets	0.66%
Return on Equity	7.43%
Interest Income	$1.40 million
Non-Interest Income	$1.19 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Millstream Area Credit Union had $416,000 in non-current loans and owned real-estate with $3.5 million in equity and loan loss allowances on hand to cover it. This gives Millstream Area Credit Union a Texas Ratio of 11.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Millstream Area Credit Union held steady from 10.85% as of December 31, 2010 to 11.88% as of December 31, 2011, resulting in a negative change of 9.52%. This indicates that the balance sheet and financial strength for Millstream Area Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Millstream Area Credit Union has increased its total deposits by $3.58 million, resulting in 14.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Millstream Area Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Millstream Area Credit Union has $30.83 million in assets with $3.5 million in equity, resulting in a capitalization level of 11.36%, which is above average.