Bay Area Credit Union


Overview / Commentary
419-698-2962
4202 Navarre Ave
Oregon, OH 43616

Bay Area Credit Union is headquartered in Oregon and is the 85th largest credit union in the state of Ohio. It is also the 2,054th largest credit union in the nation. It was established in 1934 and as of June of 2020, it had grown to 18 employees and 5,797 members at 1 location. Bay Area Credit Union's savings rates are 35% 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+
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
Employees18
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD6.16%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$72.0MM$65.4MM
LoansQ2 2020vs Q2 2019$42.2MM$40.5MM
DepositsQ2 2020vs Q2 2019$62.8MM$56.3MM
Equity CapitalQ2 2020vs Q2 2019$8.4MM$8.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$257.00K$269.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$489.00K$410.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$15.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Bay Area Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.99%*-$10kBONUS Saver
OTHER TIERS: 0.25% $10k+
0.70%*-$3.5kWealth Builder
OTHER TIERS: 0.05% $3.5k+
0.15%--Holiday Club
0.10%--Traditional IRA
0.10%--Roth IRA
0.05%$5-Savings
0.05%--Secondary Savings Account

Bay Area Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Money Market
OTHER TIERS: 0.10% $2.5k - $50k | 0.15% $50k - $100k

Bay Area Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kBonus Cash
OTHER TIERS: 0.41% $10k+

Bay Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$1k-60 Month Share Certificate
0.80%$1k-48 Month Share Certificate
0.65%$1k-36 Month Share Certificate
0.50%$1k-24 Month Share Certificate
0.35%$1k-6 Month Share Certificate

Bay Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$1k-60 Month IRA Certificate
0.80%$1k-48 Month IRA Certificate
0.65%$1k-36 Month IRA Certificate
0.50%$1k-24 Month IRA Certificate
0.40%$1k-12 Month IRA Certificate
0.35%$1k-6 Month IRA Certificate
Locations


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

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