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Overview / Commentary
847 W Main St
Troy, OH 45373

Htm Area Credit Union is headquartered in troy and is the 146th largest credit union in the state of Ohio. It is also the 3,242nd largest credit union in the nation. It was established in 1950 and as of June of 2016, it had grown to 4 employees and 2,972 members at 1 location. Htm Area Credit Union's savings rates are 73% 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, 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 - YTD1.81%
Return on Equity - YTD12.1%
Annual Interest Income$454.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$23.6MM$21.0MM
LoansQ2 2016vs Q2 2015$15.1MM$12.8MM
DepositsQ2 2016vs Q2 2015$20.0MM$17.9MM
Equity CapitalQ2 2016vs Q2 2015$3.5MM$3.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$105.00K$129.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$192.00K$122.00K
Real Estate OwnedQ2 2016vs Q2 2015$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
0.90%*$25k*-Tiered Roth 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

2.10%$1k-60 Month Jumbo CD
2.00%$1k-60 Month CD
1.90%$1k-48 Month Jumbo CD
1.80%$1k-48 Month CD
1.60%$1k-36 Month Jumbo CD
1.50%$1k-36 Month CD
1.10%$1k-24 Month Jumbo CD
1.00%$1k-24 Month CD
0.95%$1k-18 Month Jumbo CD
0.85%$1k-18 Month CD
0.70%$1k-12 Month Jumbo CD
0.65%$1k-12 Month CD
0.45%$1k-6 Month Jumbo CD
0.40%$1k-6 Month CD

Htm Area Credit Union IRA Rates

2.15%$1k-60 Month Jumbo IRA
2.05%$1k-60 Month IRA
1.95%$1k-48 Month Jumbo IRA
1.85%$1k-48 Month IRA
1.65%$1k-36 Month Jumbo IRA
1.55%$1k-36 Month IRA
1.15%$1k-24 Month Jumbo IRA
1.05%$1k-24 Month IRA
1.00%$1k-18 Month Jumbo IRA
0.90%$1k-18 Month IRA
0.75%$1k-12 Month Jumbo IRA
0.70%$1k-12 Month IRA
0.50%$1k-6 Month Jumbo IRA
0.45%$1k-6 Month IRA

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