Bay Area Credit Union

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A short history of Bay Area CU

Since its inception in 1934 the Bay Area Credit Union has been serving its members in the Oregon, Ohio area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Jennifer Tober, the Bay Area CU has grown its membership to over 5,773 with assets of more than $62,052,773. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (419) 698-2962 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Oregon, OH.

General Information For Bay Area CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 63375
Address 4202 Navarre Ave 
City Oregon 
State Ohio 
Zip-Code 43616
Phone Number (419) 698-2962
Fax Number (419) 698-3112
Email Address:
CEO/President Jennifer Tober
Members 5,773 
Full-Time Employees 18 
Part-Time Employees
Number of Branch Offices
Total Assets 62,052,773 

Compare Bay Area Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Parish CU Main Office 5138 N Summit St 43611 (419) 729-9650 No 4.18
Toledo Metro CU Toledo Metro FCU 1212 Adams St 43604 (419) 242-4926 No 4.82
Mercy Health Partners CU Mercy St. Vincent Medical Center 2213 Cherry St 43608 (419) 251-4706 No 4.87
Toledo Postal Employees CU Main Office 435 S Saint Clair St Rm 210 43697 (419) 241-1507 No 5.16
Cando CU Main Office 113 S Main St 43465 (419) 666-3113 No 5.50

Bay Area Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Bay Area Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.95 2.95 2.95 4.10 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 455 139 88 154 229
Rank Among All Ohio Credit Unions 82 34 15 35 47

Bay Area Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.01 0.05 0.20 0.20
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 156 142 318 271
Rank Among All Ohio Credit Unions N/A 34 44 95 67
Bay Area Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.9501,0791,391,500
All Other Unsecured Loans/Lines of Credit 9.5004141,527,028
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.9503236,838,956
Used Vehicle Loans 2.9501,27514,646,423
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.1001078,738,727
Total Other Real Estate Loans/Lines of Credit 5.0002075,081,994
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.0002634,078,645
TOTAL LOANS & LEASES 3,66842,303,273

Bay Area Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 606,219,5112555,810
    b. 15 Years or less 472,519,2164422,400
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1162,486,106251,300
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 912,595,888522,763,918
Open-End Fixed Rate 0000
TOTALS 31413,820,721603,793,428


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Bay Area Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes