HTM Area Credit Union

Overview / Commentary
847 W Main St
Troy, OH 45373

HTM Area Credit Union is headquartered in troy and is the 130th largest credit union in the state of Ohio. It is also the 2,943rd largest credit union in the nation. It was established in 1950 and as of December of 2019, it had grown to 5 employees and 3,569 members at 1 location. HTM Area Credit Union's savings rates are 54% higher than 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, worship, or attend school in Miami County in Ohio. Employees of Hobart Corporation, Vulcan Hart Corporation, and Amity Mold also qualify for membership, as do members of the United Methodist Church in Christianburg, Ohio.
See current membership details


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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 - YTD1.64%
Return on Equity - YTD8.92%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$28.3MM$27.5MM
LoansQ4 2019vs Q4 2018$18.2MM$18.6MM
DepositsQ4 2019vs Q4 2018$23.1MM$22.7MM
Equity CapitalQ4 2019vs Q4 2018$5.2MM$4.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$175.00K$156.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$176.00K$174.00K
Real Estate OwnedQ4 2019vs Q4 2018$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

0.80%*$50k*-Tiered Savings
OTHER TIERS: 0.25% $100 - $2.5k | 0.45% $2.5k - $10k | 0.60% $10k - $50k
0.65%*$25k*-Tiered IRA Savings
OTHER TIERS: 0.25% $100 - $10k | 0.50% $10k - $25k

HTM Area Credit Union Checking Account Rates

0.15%$500-Regular Checking

HTM Area Credit Union CD Rates

1.35%$50k-60 Month Jumbo CD
1.30%$1k-60 Month CD
1.30%$50k-48 Month Jumbo CD
1.20%$1k-48 Month CD
1.20%$50k-36 Month Jumbo CD
1.15%$1k-36 Month CD
1.15%$50k-24 Month Jumbo CD
1.10%$1k-24 Month CD
1.10%$50k-18 Month Jumbo CD
1.05%$1k-18 Month CD
1.00%$50k-12 Month Jumbo CD
0.95%$1k-12 Month CD
0.90%$50k-6 Month Jumbo CD
0.85%$1k-6 Month CD

HTM Area Credit Union IRA Rates

1.35%$1k-60 Month IRA
1.35%$50k-60 Month Jumbo IRA
1.30%$50k-48 Month Jumbo IRA
1.20%$50k-36 Month Jumbo IRA
1.20%$1k-48 Month IRA
1.15%$50k-24 Month Jumbo IRA
1.15%$1k-36 Month IRA
1.10%$50k-18 Month Jumbo IRA
1.10%$1k-24 Month IRA
1.05%$1k-18 Month IRA
1.00%$50k-12 Month Jumbo IRA
0.95%$1k-12 Month IRA
0.90%$50k-6 Month Jumbo IRA
0.85%$1k-6 Month IRA

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

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