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Bay Area Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.16%5-year CD60 Month Share Certificate
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.95%4-year CD48 Month Share Certificate
1.40% - Ally Bank Raise Your Rate 4-Year CDAdvertisement
0.70%3-year CD36 Month Share Certificate
1.55% - Ally Bank High Yield 3 Year CDAdvertisement
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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 90th largest credit union in the state of Ohio. It is also the 2,116th largest credit union in the nation. It was established in 1934 and as of June of 2016, it had grown to 18 employees and 5,632 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 Q2 2016

Learn more about bank health
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 - YTD0.39%
Return on Equity - YTD3.17%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$59.6MM$56.2MM
LoansQ2 2016vs Q2 2015$38.1MM$34.0MM
DepositsQ2 2016vs Q2 2015$51.6MM$47.7MM
Equity CapitalQ2 2016vs Q2 2015$7.3MM$7.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$137.00K$122.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$430.00K$366.00K
Real Estate OwnedQ2 2016vs Q2 2015$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%*-$3,500Wealth Builder Savings Account
OTHER TIERS: 0.01% → $3,500+
1.00%*-$10kKasasa Saver
OTHER TIERS: 0.25% → $10k+
0.15%--Holiday Club Account
0.15%*$25k*-Traditional IRA Account
OTHER TIERS: 0.10% → Up to $25k
0.15%*$25k*-Roth IRA Account
OTHER TIERS: 0.10% → Up to $25k
0.01%--Savings Account
0.01%--Business & Community Savings

Bay Area Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Money Market Account
OTHER TIERS: 0.05% → $2,500 - $50k | 0.10% → $50k - $100k

Bay Area Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kKasasa Cash
OTHER TIERS: 0.25% → $10k+
0.00%--Basic Checking

Bay Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%$1k-60 Month Share Certificate
0.95%$1k-48 Month Share Certificate
0.70%$1k-36 Month Share Certificate
0.40%$1k-24 Month Share Certificate
0.20%$1k-12 Month Share Certificate
0.10%$1k-6 Month Share Certificate

Bay Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%$1k-60 Month IRA Certificate
0.95%$1k-48 Month IRA Certificate
0.70%$1k-36 Month IRA Certificate
0.40%$1k-24 Month IRA Certificate
0.20%$1k-12 Month IRA Certificate
0.10%$1k-6 Month IRA Certificate
Locations


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