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Bay Area Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.50%5-year CD60 Month Share Certificate
3.00% - Barclays 60 Month Online CDAdvertisement
2.00%4-year CD48 Month Share Certificate
1.64% - National Average
1.75%3-year CD36 Month Share Certificate
2.55% - Ally Bank High Yield 3 Year CDAdvertisement
View all Bay Area Credit Union rates »

Overview / Commentary
www.bayareacu.com
419-698-2962
4202 Navarre Ave
Oregon, OH 43616-3562

Bay Area Credit Union is headquartered in Oregon and is the 86th largest credit union in the state of Ohio. It is also the 2,072nd largest credit union in the nation. It was established in 1934 and as of March of 2018, it had grown to 20 employees and 5,800 members at 1 location. Bay Area Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Bay Area CU is open to anyone who resides, works, attends church, or is a registered student in the counties of Lucas, Wood, Ottawa, and Sandusky or anyone who is related to a current CU member.
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Health
B+

Data as of Q1 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Bay Area Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #63375
Year Chartered1934
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD1.86%
Annual Interest Income$601.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$64.3MM$62.9MM
LoansQ1 2018vs Q1 2017$40.9MM$41.7MM
DepositsQ1 2018vs Q1 2017$55.8MM$54.6MM
Equity CapitalQ1 2018vs Q1 2017$7.7MM$7.5MM
Loan Loss AllowanceQ1 2018vs Q1 2017$185.00K$127.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$627.00K$446.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bay Area Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$3.5kWealth Builder
OTHER TIERS: 0.10% → $3,500+
0.99%*-$10kKasasa Saver
OTHER TIERS: 0.25% → $10k+
0.30%--Traditional IRA
0.30%--Roth IRA
0.15%--Holiday Club
0.10%--Savings
0.10%--Business Savings
0.10%--Community Savings

Bay Area Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-Money Market
OTHER TIERS: 0.25% → $2,500 - $50k | 0.55% → $50k - $100k

Bay Area Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kKasasa Cash
OTHER TIERS: 0.25% → $10k+

Bay Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$1k-60 Month Share Certificate
2.00%$1k-48 Month Share Certificate
1.75%$1k-36 Month Share Certificate
1.50%$1k-24 Month Share Certificate
1.05%$1k-12 Month Share Certificate
0.50%$1k-6 Month Share Certificate

Bay Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$1k-60 Month IRA Certificate
2.00%$1k-48 Month IRA Certificate
1.75%$1k-36 Month IRA Certificate
1.50%$1k-24 Month IRA Certificate
1.05%$1k-12 Month IRA Certificate
0.50%$1k-6 Month IRA Certificate
Locations


Bay Area Credit Union Locations
Branch Office4202 Navarre AveOregon, OH 43616-3562

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