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 Millstream Area Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Millstream Area Credit Union's 36 Month Share/IRA CD Accounts rates are at 3.70%, 18 Month Share/IRA CD Accounts rates are at 3.65%, 24 Month Share/IRA CD Accounts rates are at 3.65%, 48 Month Share/IRA CD Accounts rates are at 3.60%, 60 Month Share/IRA CD Accounts rates are at 3.55%. Millstream Area Credit Union's savings rates are at 0.05%. Millstream Area Credit Union's money market rates are at 1.51%. Millstream Area Credit Union's Personal Loan Rates are as low as 9.95%. Millstream Area Credit Union's Credit Card Rates are at 13.75%. MonitorBankRates evaluates the financial stability of Millstream Area Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.80%. Rates last updated and verified on 09/22/2026. Millstream Area Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Millstream Area Credit Union? Share your experience about Millstream Area Credit Union by leaving a review below, or read customer reviews before you decide to use Millstream Area Credit Union. Millstream Area Credit Union
Western Ave Office 1007 Western Ave
https://www.millstreamcu.com Findlay, OH 45840 
Millstream Area Credit Union CD Rates
Millstream Area Credit Union Savings Rates
Millstream Area Credit Union Money Market Rates
Millstream Area Credit Union Checking Rates
Millstream Area Credit Union Home Equity & HELOC
Millstream Area Credit Union Auto Loan Rates
Millstream Area Credit Union RV, Boat and Powersport Loan Rates
Millstream Area Credit Union Credit Card Rates
Millstream Area Credit Union Personal Loan Rates
Millstream Area Credit Union Other Rates
Financial Health HistoryMillstream Area Credit Union’s Texas Ratio stayed near 3.92% in Q2 2023 to 3.80% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Millstream Area Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Millstream Area Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Millstream Area Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Millstream Area Credit Union
Website
https://www.millstreamcu.com
Address
1007 Western Ave,
Findlay, OH 45840
Phone
419-422-5626
Fax
419-422-2027
President
Brody Yingling
CEO
Joshua Reams
Full-Time Employees
23
Part-Time Employees
0
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.80%
Return on Assets (ROA)
0.3817%
Return on Equity (ROE)
3.0797%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
70,280,540
Total Amount of Shares and Deposits
61,191,779
Total Shares and Deposits < 1 Year
59,632,917
Total Shares and Deposits 1 3 Years
1,169,512
Total Shares and Deposits > 3 Years
389,350
Total Interest Expense (Sum of items 6 8)
136,438
Share Certificates
128
Number of Accounts for Share Drafts
5,042
IRA KEOGH Accounts
119
Number of Accounts for Regular Shares
9,219
Money Market Shares
365
Net Income (unless the amount is already included in Undivided Earnings)
268,255
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,914,901
Total Liabilities
61,564,498
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Millstream Area Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Millstream Area Credit Union
Frequently Asked Questions About Millstream Area Credit UnionHow many branches does Millstream Area Credit Union operate?Millstream Area Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Millstream Area Credit Union?Yes, to access services at Millstream Area Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Millstream Area Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Millstream Area Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Millstream Area Credit Union offer online and mobile banking?Most modern institutions like Millstream Area Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.millstreamcu.com. Current Millstream Area Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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