Millstream Area Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.25%Reward Checking
0.50%Reward Savings
2.78%5-year CD
View all Millstream Area Credit Union rates »

Overview / Commentary
419-422-5626
1007 Western Ave
Findlay, OH 45840

Millstream Area Credit Union is headquartered in Findlay and is the 109th largest credit union in the state of Ohio. It is also the 2,559th largest credit union in the nation. It was established in 1966 and as of June of 2018, it had grown to 21 employees and 8,305 members at 2 locations. Millstream Area Credit Union's CD rates are 90% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Allen, Hancock, Seneca, Putnam, or Wood Counties in Ohio.
See current membership details

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Health
B+
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. Millstream Area Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #96756
Year Chartered1966
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD5.86%
Annual Interest Income$914.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$40.6MM$39.8MM
LoansQ2 2018vs Q2 2017$28.4MM$29.2MM
DepositsQ2 2018vs Q2 2017$35.8MM$35.1MM
Equity CapitalQ2 2018vs Q2 2017$4.7MM$4.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$336.00K$322.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$253.00K$527.00K
Real Estate OwnedQ2 2018vs Q2 2017$124.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Millstream Area Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*-$10kKasasa Saver
OTHER TIERS: 0.03% $10k+
0.44%*$50k*-IRA Share
OTHER TIERS: 0.24% $25 - $5k | 0.29% $5k - $10k | 0.34% $10k - $25k | 0.39% $25k - $50k
0.35%*$50k*-Christmas Club Account
OTHER TIERS: 0.05% $100 - $2.5k | 0.10% $2.5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k
0.35%*$50k*-Minor Share Savings
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.35%*$50k*-Teen Share Savings
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.35%*$50k*-Custodial Share Savings
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.35%*$50k*-Regular Share Savings
OTHER TIERS: 0.05% $500 - $2.5k | 0.10% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.35%*$50k*-Senior Share Savings
OTHER TIERS: 0.05% $500 - $2.5k | 0.10% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.35%*$50k*-Business Share Savings
OTHER TIERS: 0.05% $500 - $2.5k | 0.10% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.35%*$50k*-Trusts Share Savings
OTHER TIERS: 0.05% $500 - $2.5k | 0.10% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k

Millstream Area Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$50k*-Money Market Account
OTHER TIERS: 0.30% $2k - $10k | 0.70% $10k - $25k | 0.75% $25k - $50k

Millstream Area Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+
0.10%$500-Senior Checking

Millstream Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%*$5k*-60 Month CD
OTHER TIERS: 1.76% $500 - $5k
2.52%*$5k*-48 Month CD
OTHER TIERS: 1.51% $500 - $5k
2.32%*$5k*-36 Month CD
OTHER TIERS: 1.31% $500 - $5k
2.12%*$5k*-24 Month CD
OTHER TIERS: 1.10% $500 - $5k
1.91%*$5k*-18 Month CD
OTHER TIERS: 1.00% $500 - $5k
1.76%$250-60 Month Minor’s CD
1.71%*$5k*-12 Month CD
OTHER TIERS: 0.90% $500 - $5k
1.51%$250-48 Month Minor’s CD
1.41%*$5k*-6 Month CD
OTHER TIERS: 0.70% $500 - $5k
1.31%$250-36 Month Minor’s CD
1.10%$250-24 Month Minor’s CD
1.00%*$5k*-3 Month CD
OTHER TIERS: 0.50% $500 - $5k
1.00%$250-18 Month Minor’s CD
0.90%$250-12 Month Minor’s CD
0.70%$250-6 Month Minor’s CD
0.50%$250-3 Month Minor’s CD

Millstream Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%*$5k*-60 Month IRA
OTHER TIERS: 1.76% $500 - $5k
2.52%*$5k*-48 Month IRA
OTHER TIERS: 1.51% $500 - $5k
2.32%*$5k*-36 Month IRA
OTHER TIERS: 1.31% $500 - $5k
2.12%*$5k*-24 Month IRA
OTHER TIERS: 1.10% $500 - $5k
1.91%*$5k*-18 Month IRA
OTHER TIERS: 1.00% $500 - $5k
1.71%*$5k*-12 Month IRA
OTHER TIERS: 0.90% $500 - $5k
1.41%*$5k*-6 Month IRA
OTHER TIERS: 0.70% $500 - $5k
1.00%*$5k*-3 Month IRA
OTHER TIERS: 0.50% $500 - $5k
Locations


Millstream Area Credit Union Locations
Branch Office214 N Main StNorth Baltimore, OH 45872
Branch Office1007 Western AveFindlay, OH 45840

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