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Millstream Area Credit Union


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

Millstream Area Credit Union is headquartered in Findlay and is the 98th largest credit union in the state of Ohio. It is also the 2,303rd largest credit union in the nation. It was established in 1966 and as of June of 2022, it had grown to 20 employees and 7,760 members at 3 locations. Millstream Area Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Millstream Area Credit Union is open to those who live, work, worship, or attend school in Allen, Hancock, Seneca, Putnam, Hardin, or Wood Counties in Ohio.
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Health
B+

Data as of Q2 2022

Learn why bank health matters
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 relatively low asset base.

Health Grade Components

Overall
NCUA #96756
Year Chartered1966
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD10.35%
Annual Interest Income$838.00K
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$62.8MM$59.0MM
LoansQ2 2022vs Q2 2021$28.5MM$26.0MM
DepositsQ2 2022vs Q2 2021$57.1MM$53.5MM
Equity CapitalQ2 2022vs Q2 2021$5.3MM$5.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$193.00K$233.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$247.00K$297.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$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
0.10%$25-IRA Share
0.05%$100-Christmas Club Account
0.05%--Special Share Account
0.05%$100-Minor Share Savings
0.05%$100-Teen Share Savings
0.05%$100-Custodial Share Savings
0.05%$100-Regular Share Savings
0.05%$100-Senior Share Savings
0.05%$100-Business Share Savings
0.05%$100-Trusts Share Savings

Millstream Area Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%*$100k*$250kMoney Market Account
OTHER TIERS: 0.85% → $2.5k - $10k | 1.00% → $10k - $50k | 1.10% → $50k - $100k

Millstream Area Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Senior Checking

Millstream Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$500-60 Month CD
2.78%$250-60 Month Minor’s CD
2.52%$500-48 Month CD
2.52%$250-48 Month Minor’s CD
2.42%$500-36 Month CD
2.42%$250-36 Month Minor’s CD
2.27%$500-24 Month CD
2.27%$250-24 Month Minor’s CD
2.02%$500-18 Month CD
2.02%$250-18 Month Minor’s CD
1.76%$500-12 Month CD
1.76%$250-12 Month Minor’s CD
1.26%$500-6 Month CD
1.26%$250-6 Month Minor’s CD
0.75%$500-3 Month CD
0.75%$250-3 Month Minor’s CD

Millstream Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$500-60 Month IRA
2.52%$500-48 Month IRA
2.42%$500-36 Month IRA
2.27%$500-24 Month IRA
2.02%$500-18 Month IRA
1.76%$500-12 Month IRA
1.26%$500-6 Month IRA
0.75%$500-3 Month IRA
Locations


Millstream Area Credit Union Locations
Branch Office214 N Main StNorth Baltimore, OH 45872
Branch Office1007 Western AveFindlay, OH 45840
Branch Office1650 Fostoria AveFindlay, OH 45840

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