Millstream Area Credit Union

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A short history of Millstream Area CU

Since its inception in 2000 the Millstream Area Credit Union has been serving its members in the Findlay, 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 Karen Reams, the Millstream Area CU has grown its membership to over 8,498 with assets of more than $39,802,024. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (419) 422-5626 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Findlay, OH.

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

Charter Number 96756
Address 1007 Western Ave 
City Findlay 
State Ohio 
Zip-Code 45840
Phone Number (419) 422-5626
Fax Number (419) 422-2003
Email Address: none
CEO/President Karen Reams
Members 8,498 
Full-Time Employees 21 
Part-Time Employees
Number of Branch Offices
Total Assets 39,802,024 

Compare Millstream Area Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Hancock CU Hancock Federal CU 125 Trenton Ave 45840 (419) 424-0124 No 4.02
Carey Poverello CU Main 201 N Vance St 43316 (419) 396-6071 No 16.18
U A P Employees CU Triumph Thermal Systems 200 Railroad St 45843 (419) 273-1191 No 17.33
Your Legacy CU Main Office 25 Shaffer Park Dr 44883 (419) 448-0191 No 24.89
Quest CU Quest Federal Credit Union 101 Jacob Parrot Rd 43326 (419) 675-2322 No 27.08

Millstream Area Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Millstream 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 12.32 6.13 5.97 4.19 4.53
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 427 496 440 168 172
Rank Among All Ohio Credit Unions 76 128 103 41 27

Millstream 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 1.36 0.01
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 156 142 109 297
Rank Among All Ohio Credit Unions N/A 34 44 22 79
Millstream Area Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.3201,1832,358,301
All Other Unsecured Loans/Lines of Credit 14.2707202,303,847
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 6.130902,227,532
Used Vehicle Loans 5.9707316,634,285
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.190625,513,022
Total Other Real Estate Loans/Lines of Credit 4.5301667,236,357
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.1901762,957,825
TOTAL LOANS & LEASES 3,12829,231,169

Millstream 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 343,702,2381175,200
    b. 15 Years or less 281,810,784241,315
    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 167,75900
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1315,184,24717749,505
Open-End Fixed Rate 341,984,35100
TOTALS 22812,749,37920966,020


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 569,3300
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Millstream Area Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
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