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Overview / Commentary
847 W Main St
Troy, OH 45373

HTM Area Credit Union is headquartered in troy and is the 132nd largest credit union in the state of Ohio. It is also the 3,027th largest credit union in the nation. It was established in 1950 and as of December of 2017, it had grown to 5 employees and 3,324 members at 1 location. HTM Area Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Htm Area Credit Union is open to those who live, work, attend school or worship in Miami County in Ohio and to employees of Hobart Corporation, Vulcan Hart Corporation, Amity Mold and to members of United Methodist Church in Christianburg, Ohio.
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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. HTM Area Credit Union has a low asset base.

Health Grade Components

NCUA #68522
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD1.68%
Return on Equity - YTD10.64%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$27.3MM$24.1MM
LoansQ4 2017vs Q4 2016$18.5MM$16.2MM
DepositsQ4 2017vs Q4 2016$22.9MM$20.2MM
Equity CapitalQ4 2017vs Q4 2016$4.2MM$3.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$154.00K$99.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$156.00K$152.00K
Real Estate OwnedQ4 2017vs Q4 2016$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.

HTM Area Credit Union Savings Account Rates

0.90%*$25k*-Tiered IRA Savings
OTHER TIERS: 0.35% $100 - $10k | 0.70% $10k - $25k
0.80%*$25k*-Tiered Savings
OTHER TIERS: 0.25% $100 - $10k | 0.60% $10k - $25k

HTM Area Credit Union Checking Account Rates

0.20%$500-Regular Checking

HTM Area Credit Union CD Rates

2.50%$50k-60 Month Jumbo CD
2.45%$50k-48 Month Jumbo CD
2.40%$1k-60 Month CD
2.35%$1k-48 Month CD
2.30%$50k-36 Month Jumbo CD
2.20%$1k-36 Month CD
2.15%$50k-24 Month Jumbo CD
2.10%$50k-18 Month Jumbo CD
2.05%$1k-24 Month CD
2.00%$1k-18 Month CD
2.00%$50k-12 Month Jumbo CD
1.90%$1k-12 Month CD
1.70%$50k-6 Month Jumbo CD
1.60%$1k-6 Month CD

HTM Area Credit Union IRA Rates

2.55%$50k-60 Month Jumbo IRA
2.50%$50k-48 Month Jumbo IRA
2.45%$1k-60 Month IRA
2.40%$1k-48 Month IRA
2.35%$50k-36 Month Jumbo IRA
2.25%$1k-36 Month IRA
2.20%$50k-24 Month Jumbo IRA
2.15%$50k-18 Month Jumbo IRA
2.10%$1k-24 Month IRA
2.05%$50k-12 Month Jumbo IRA
2.05%$1k-18 Month IRA
1.95%$1k-12 Month IRA
1.75%$50k-6 Month Jumbo IRA
1.65%$1k-6 Month IRA

HTM Area Credit Union Locations
Branch Office847 W Main Sttroy, OH 45373