Htm Area Credit Union

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A short history of Htm Area CU

Since its inception in 1950 the Htm Area Credit Union has been serving its members in the troy, 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 james beck II, the Htm Area CU has grown its membership to over 3,180 with assets of more than $25,845,116. They have a main office and 0 branch offices. Please see the credit unions website or contact them by phone at (937) 335-8591 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 troy, OH.

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

Charter Number 68522
Address 847 W Main St 
City troy 
State Ohio 
Zip-Code 45373
Phone Number (937) 335-8591
Fax Number (937) 339-2467
Email Address:
CEO/President james beck II
Members 3,180 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 25,845,116 

Compare Htm Area Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Abbey CU Abbey Credit Union Troy Branch 1341 Wayne St 45373 (937) 335-7500 No 8.97
Incenta CU Dayton 3000 Elbee Rd 45439 (937) 223-9445 No 13.10
Day-met CU DayMet Credit Union South Branch 3199 S Dixie Dr 45413 (937) 236-2562 No 14.77
Freedom First CU Main Office-Dayton 1645 Webster St 45404 (937) 223-2828 No 17.20
Code CU Dayton 355 W Monument Ave 45402 (937) 222-8971 No 18.67

Htm Area Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Htm 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 10.90 2.49 5.29 5.00 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 332 83 360 268 229
Rank Among All Ohio Credit Unions 59 12 84 75 47

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

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.20 0.25 N/A 1.00 0.70
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 102 95 N/A 174 199
Rank Among All Ohio Credit Unions 9 16 N/A 45 44
Htm Area Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.900450342,622
All Other Unsecured Loans/Lines of Credit 9.000160331,856
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.490661,355,843
Used Vehicle Loans 5.2901,48713,216,726
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.000381,136,783
Total Other Real Estate Loans/Lines of Credit 5.00014274,243
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.00075906,284
TOTAL LOANS & LEASES 2,29017,564,357

Htm 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 0000
    b. 15 Years or less 381,136,7835167,403
    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 14274,2433101,239
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 521,411,0268268,642


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

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