Bay Area Credit Union

Overview / Commentary
4202 Navarre Ave
Oregon, OH 43616-3562

Bay Area Credit Union is headquartered in Oregon and is the 89th largest credit union in the state of Ohio. It is also the 2,094th largest credit union in the nation. It was established in 1934 and as of December of 2018, it had grown to 19 employees and 5,810 members at 1 location. Bay Area Credit Union's money market rates are 2X 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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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

NCUA #63375
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD3.16%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$61.9MM$61.0MM
LoansQ4 2018vs Q4 2017$40.7MM$41.9MM
DepositsQ4 2018vs Q4 2017$53.0MM$52.6MM
Equity CapitalQ4 2018vs Q4 2017$7.9MM$7.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$256.00K$143.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$558.00K$623.00K
Real Estate OwnedQ4 2018vs Q4 2017$104.00K$25.00K
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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

1.00%*-$3.5kWealth Builder
OTHER TIERS: 0.10% $3.5k+
0.99%*-$10kKasasa Saver
OTHER TIERS: 0.25% $10k+
0.30%--Traditional IRA
0.30%--Roth IRA
0.15%--Holiday Club
0.10%--Secondary Savings Account

Bay Area Credit Union Money Market Rates

1.01%*$100k*-Money Market
OTHER TIERS: 0.80% $2.5k - $50k | 0.90% $50k - $100k

Bay Area Credit Union Checking Account Rates

2.00%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+
2.00%*$10k*-Plus checking
OTHER TIERS: 0.05% Up to $10k

Bay Area Credit Union CD Rates

2.70%$1k-60 Month Share Certificate
2.25%$1k-48 Month Share Certificate
2.00%$1k-36 Month Share Certificate
1.70%$1k-24 Month Share Certificate
1.25%$1k-12 Month Share Certificate
0.60%$1k-6 Month Share Certificate

Bay Area Credit Union IRA Rates

2.70%$1k-60 Month IRA Certificate
2.25%$1k-48 Month IRA Certificate
2.00%$1k-36 Month IRA Certificate
1.70%$1k-24 Month IRA Certificate
1.25%$1k-12 Month IRA Certificate
0.60%$1k-6 Month IRA Certificate

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

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