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iAdvertiser Disclosure
Advertiser Disclosure
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 Millstream Area Credit Union Rates & Review April 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: March 28, 2026
Millstream Area Credit Union's Share/IRA CD Accounts 48 month rates are at 3.44%, Share/IRA CD Accounts 60 month rates are at 3.44%, Share/IRA CD Accounts 24 month rates are at 3.39%, Share/IRA CD Accounts 36 month rates are at 3.39%, Share/IRA CD Accounts 12 month rates are at 3.29%. Millstream Area Credit Union's savings rates are at 0.05%. Millstream Area Credit Union's money market rates are at 1.51%. 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 6.56%. Rates were last updated on 03/28/2026. 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 Credit Card Rates
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
1
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 (97/100)
Texas Ratio
6.56%
Return on Assets (ROA)
0.9114%
Return on Equity (ROE)
7.4087%
Non-Performing Loans Ratio (NPL)
1.58%
Total Assets
66,842,745
Total Amount of Shares and Deposits
58,173,194
Total Shares and Deposits < 1 Year
56,554,469
Total Shares and Deposits 1 3 Years
1,075,706
Total Shares and Deposits > 3 Years
543,019
Total Interest Expense (Sum of items 6 8)
410,499
Share Certificates
129
Number of Accounts for Share Drafts
4,940
IRA KEOGH Accounts
124
Number of Accounts for Regular Shares
9,210
Money Market Shares
334
Net Income (unless the amount is already included in Undivided Earnings)
609,213
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,220,271
Total Liabilities
58,574,990
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Millstream Area Credit UnionIs Millstream Area Credit Union a safe place to deposit money?Yes, Millstream Area Credit Union is considered a safe financial institution. With a Texas Ratio of 6.5565786023769%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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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