Bay Area Credit Union

Overview / Commentary
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 2,056th largest credit union in the nation. It was established in 1934 and as of June of 2021, it had grown to 20 employees and 5,744 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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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 - YTD0.75%
Return on Equity - YTD6.65%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$78.7MM$72.0MM
LoansQ2 2021vs Q2 2020$43.3MM$42.2MM
DepositsQ2 2021vs Q2 2020$68.8MM$62.8MM
Equity CapitalQ2 2021vs Q2 2020$8.9MM$8.4MM
Loan Loss AllowanceQ2 2021vs Q2 2020$252.00K$257.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$204.00K$489.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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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

0.99%*-$10kBONUS Saver
OTHER TIERS: 0.25% $10k+
0.15%--Holiday Club
0.10%--Traditional IRA
0.10%--Roth IRA
0.05%*-$3.5kWealth Builder
OTHER TIERS: 0.01% $3.5k+
0.05%--Secondary Savings Account

Bay Area Credit Union Money Market Rates

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

Bay Area Credit Union Checking Account Rates

2.00%*-$10kBonus Cash
OTHER TIERS: 0.25% $10k+

Bay Area Credit Union CD Rates

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

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

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

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