Millstream Area Credit Union

Overview / Commentary
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 2,333rd largest credit union in the nation. It was established in 1966 and as of September of 2021, it had grown to 19 employees and 7,658 members at 3 locations. Millstream Area Credit Union 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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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

NCUA #96756
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD1.78%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$59.4MM$52.0MM
LoansQ3 2021vs Q3 2020$26.0MM$26.1MM
DepositsQ3 2021vs Q3 2020$53.8MM$46.4MM
Equity CapitalQ3 2021vs Q3 2020$5.5MM$5.4MM
Loan Loss AllowanceQ3 2021vs Q3 2020$253.00K$199.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$309.00K$254.00K
Real Estate OwnedQ3 2021vs Q3 2020$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.

Millstream Area Credit Union Savings Account Rates

0.05%$25-IRA Share
0.03%$100-Christmas Club Account
0.03%$100-Minor Share Savings
0.03%$100-Teen Share Savings
0.03%$100-Custodial Share Savings
0.03%$100-Regular Share Savings
0.03%$100-Senior Share Savings
0.03%$100-Business Share Savings
0.03%$100-Trusts Share Savings

Millstream Area Credit Union Money Market Rates

0.15%*$100k*$250kMoney Market Account
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $100k

Millstream Area Credit Union Checking Account Rates

0.10%$500-Senior Checking

Millstream Area Credit Union CD Rates

0.60%$500-60 Month CD
0.60%$250-60 Month Minor’s CD
0.50%$500-48 Month CD
0.50%$250-48 Month Minor’s CD
0.45%$500-36 Month CD
0.45%$250-36 Month Minor’s CD
0.30%$500-24 Month CD
0.30%$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%$500-3 Month CD
0.05%$500-6 Month CD
0.05%$250-3 Month Minor’s CD
0.05%$250-6 Month Minor’s CD

Millstream Area Credit Union IRA Rates

0.60%$500-60 Month IRA
0.50%$500-48 Month IRA
0.45%$500-36 Month IRA
0.30%$500-24 Month IRA
0.15%$500-18 Month IRA
0.10%$500-12 Month IRA
0.05%$500-3 Month IRA
0.05%$500-6 Month IRA

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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