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Bay Area Credit Union


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

Bay Area Credit Union is headquartered in Oregon and is the 84th largest credit union in the state of Ohio. It is also the 2,058th largest credit union in the nation. It was established in 1934 and as of March of 2021, it had grown to 21 employees and 5,737 members at 1 location. Bay Area Credit Union has an A 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
A

Data as of Q1 2021

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
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD7.64%
Annual Interest Income$588.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$78.5MM$68.2MM
LoansQ1 2021vs Q1 2020$43.3MM$42.4MM
DepositsQ1 2021vs Q1 2020$68.9MM$59.2MM
Equity CapitalQ1 2021vs Q1 2020$8.7MM$8.3MM
Loan Loss AllowanceQ1 2021vs Q1 2020$275.00K$259.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$235.00K$364.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$0
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+
0.15%--Holiday Club
0.10%--Traditional IRA
0.10%--Roth IRA
0.05%$5-Savings
0.05%*-$3.5kWealth Builder
OTHER TIERS: 0.01% → $3.5k+
0.05%--Secondary Savings Account

Bay Area Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Money Market
OTHER TIERS: 0.05% → $2.5k - $50k | 0.10% → $50k - $100k

Bay Area Credit Union Checking Account Rates

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

Bay Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$1k-60 Month Share Certificate
0.45%$1k-48 Month Share Certificate
0.40%$1k-36 Month Share Certificate
0.30%$1k-24 Month Share Certificate
0.15%$1k-6 Month Share Certificate

Bay Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$1k-60 Month IRA Certificate
0.45%$1k-48 Month IRA Certificate
0.40%$1k-36 Month IRA Certificate
0.30%$1k-24 Month IRA Certificate
0.20%$1k-12 Month IRA Certificate
0.15%$1k-6 Month IRA Certificate
Locations


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

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