Bay Area Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	5-year CD	60 Month Share Certificate 2.25% - Bank of Internet USA 60 Month CD
1.50%	4-year CD	48 Month Share Certificate 1.90% - Goldman Sachs Bank USA 4 Year CD
0.70%	3-year CD	36 Month Share Certificate 1.85% - Synchrony Bank 36 Month CD

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 87^th largest credit union in the state of Ohio. It is also the 2,106^th largest credit union in the nation. It was established in 1934 and as of June of 2017, it had grown to 18 employees and 5,773 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.
See current membership details

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Health

B+

Data as of Q2 2017

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 Chartered	1934
Employees	18
Primary Regulator

Profit Margin
Return on Assets - YTD	0.34%
Return on Equity - YTD	2.8%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$62.1MM$59.6MM
Loans	Q2 2017vs Q2 2016	$42.3MM$38.1MM
Deposits	Q2 2017vs Q2 2016	$53.6MM$51.6MM
Equity Capital	Q2 2017vs Q2 2016	$7.6MM$7.3MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$121.00K$137.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$672.00K$430.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$3,500	Wealth Builder Savings Account
OTHER TIERS: 0.01% → $3,500+
0.99%^*	-	$10k	Kasasa 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.25% → $10k+

Bay Area Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$1k	-	60 Month Share Certificate
1.50%	$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

APY	MIN	MAX	ACCOUNT NAME
2.00%	$1k	-	60 Month IRA Certificate
1.50%	$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 Office	4202 Navarre Ave	Oregon, OH 43616-3562