Millstream Area Credit Union


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

Millstream Area Credit Union is headquartered in Findlay and is the 107th largest credit union in the state of Ohio. It is also the 2,470th largest credit union in the nation. It was established in 1966 and as of September of 2019, it had grown to 20 employees and 7,737 members at 2 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, attend school or worship in Allen, Hancock, Seneca, Putnam, Hardin or Wood Counties in Ohio.
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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
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD6.66%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$43.5MM$40.5MM
LoansQ3 2019vs Q3 2018$28.7MM$28.7MM
DepositsQ3 2019vs Q3 2018$38.5MM$35.6MM
Equity CapitalQ3 2019vs Q3 2018$5.3MM$4.8MM
Loan Loss AllowanceQ3 2019vs Q3 2018$267.00K$322.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$404.00K$273.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Millstream Area Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.44%*$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% $500 - $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% $500 - $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% $500 - $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
1.30%*$250k*-Money Market Account
OTHER TIERS: 0.70% $2.5k - $10k | 0.80% $10k - $25k | 0.90% $25k - $50k | 1.00% $50k - $100k | 1.20% $100k - $250k

Millstream Area Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Senior Checking

Millstream Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.32%$500-60 Month CD
2.32%$250-60 Month Minor’s CD
2.22%$500-48 Month CD
2.22%$250-48 Month Minor’s CD
2.12%$500-36 Month CD
2.12%$250-36 Month Minor’s CD
1.91%$500-24 Month CD
1.91%$250-24 Month Minor’s CD
1.81%$500-18 Month CD
1.81%$250-18 Month Minor’s CD
1.61%$500-12 Month CD
1.61%$250-12 Month Minor’s CD
0.60%$500-6 Month CD
0.60%$250-6 Month Minor’s CD
0.50%$500-3 Month CD
0.50%$250-3 Month Minor’s CD

Millstream Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.32%$500-60 Month IRA
2.22%$500-48 Month IRA
2.12%$500-36 Month IRA
1.91%$500-24 Month IRA
1.81%$500-18 Month IRA
1.61%$500-12 Month IRA
0.60%$500-6 Month IRA
0.50%$500-3 Month IRA
Locations


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

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