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Millstream Area Credit Union

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CURRENT TOP RATE

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.25%	Reward Checking	Kasasa Cash 1.75% - National Average
0.50%	Reward Savings	Kasasa Saver 0.76% - National Average
0.55%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD

View all Millstream Area Credit Union rates »

Overview / Commentary

www.millstreamcu.com

419-422-5626

1007 Western Ave
Findlay, OH 45840

Millstream Area Credit Union is headquartered in Findlay and is the 112^th largest credit union in the state of Ohio. It is also the 2,615^th largest credit union in the nation. It was established in 1966 and as of June of 2016, it had grown to 19 employees and 8,458 members at 2 locations. Millstream Area Credit Union 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

Related Posts

View all posts from:

2015
2007
2006

3/19 - Millstream Area CU (OH) Offers Three High Rate CD Promotions
3/16 - Millstream Area CU (24 mo CD, 2.269%APY), (18 mo CD, 1.46%APY), (12 mo CD, 1.25%APY)

4/22 - 6.00% 24-Month CD at an Ohio CU (Millstream Area) - Update

8/22 - 6.00% 24-Month CD at an Ohio CU (Millstream Area)
2/16 - 5.30% 15-Month CD at an Ohio CU

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Health

B+

Data as of Q2 2016

Learn more about bank health

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 Chartered	1966
Employees	19
Primary Regulator

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	6.29%
Annual Interest Income	$811.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$38.6MM$36.6MM
Loans	Q2 2016vs Q2 2015	$27.7MM$27.2MM
Deposits	Q2 2016vs Q2 2015	$34.2MM$32.5MM
Equity Capital	Q2 2016vs Q2 2015	$4.3MM$3.9MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$384.00K$444.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$147.00K$229.00K
Real Estate Owned	Q2 2016vs Q2 2015	$45.00K$64.00K

Rates

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Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.03% → $10k+
0.10%^*	$25k^*	-	Traditional IRA Share
OTHER TIERS: 0.04% → $25 - $25k
0.10%^*	$25k^*	-	Roth IRA Shares
OTHER TIERS: 0.04% → $25 - $25k
0.10%^*	$25k^*	-	Education IRA Share
OTHER TIERS: 0.04% → $25 - $25k
0.04%^*	$10k^*	-	Christmas Club Account
OTHER TIERS: 0.01% → $100 - $10k
0.04%^*	$10k^*	-	Minor Share Savings
OTHER TIERS: 0.01% → Up to $10k
0.04%^*	$10k^*	-	Teen Share Savings
OTHER TIERS: 0.01% → Up to $10k
0.04%^*	$10k^*	-	Custodial Share Savings
OTHER TIERS: 0.01% → Up to $10k
0.04%^*	$10k^*	-	Hancock Saves Share Savings
OTHER TIERS: 0.01% → Up to $10k
0.04%^*	$10k^*	-	Regular Share Savings
OTHER TIERS: 0.01% → $500 - $10k
0.04%^*	$10k^*	-	Senior Share Savings
OTHER TIERS: 0.01% → $500 - $10k
0.04%^*	$10k^*	-	Business Share Savings
OTHER TIERS: 0.01% → $500 - $10k
0.04%^*	$10k^*	-	Trusts Share Savings
OTHER TIERS: 0.01% → $500 - $10k

Millstream Area Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → $2,500 - $100k

Millstream Area Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.25% → $10k+
0.05%	$500	-	Senior Checking
0.00%	-	-	Kasasa Cash Back

Millstream Area Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%	$500	-	60 Month CD
0.55%	$250	-	60 Month Minor’s CD
0.45%	$500	-	48 Month CD
0.45%	$250	-	48 Month Minor’s CD
0.35%	$500	-	36 Month CD
0.35%	$250	-	36 Month Minor’s CD
0.25%	$500	-	24 Month CD
0.25%	$250	-	24 Month Minor’s CD
0.15%	$500	-	18 Month CD
0.15%	$250	-	18 Month Minor’s CD
0.10%	$500	-	12 Month CD
0.10%	$250	-	12 Month Minor’s CD
0.05%	$500	-	6 Month CD
0.05%	$250	-	6 Month Minor’s CD
0.01%	$500	-	90 Day CD
0.01%	$250	-	90 Day Minor’s CD

Millstream Area Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%	$500	-	60 Month IRA
0.45%	$500	-	48 Month IRA
0.35%	$500	-	36 Month IRA
0.25%	$500	-	24 Month IRA
0.15%	$500	-	18 Month IRA
0.10%	$500	-	12 Month IRA
0.05%	$500	-	6 Month IRA
0.01%	$500	-	90 Day IRA

Locations

Millstream Area Credit Union Locations
Branch Office	214 N Main St	North Baltimore, OH 45872
Branch Office	1007 Western Ave	Findlay, OH 45840