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 Millstream Area Credit Union Rates & Review November 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: October 30, 2026
Millstream Area Credit Union's Share/IRA CD Accounts - 36 month rates are at 3.70%, Share/IRA CD Accounts - 18 month rates are at 3.65%, Share/IRA CD Accounts - 24 month rates are at 3.65%, Share/IRA CD Accounts - 48 month rates are at 3.60%, Share/IRA CD Accounts - 60 month 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 2.32%. Millstream Area Credit Union's checking rates are as high as 0.10%. 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%. Millstream Area Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.47%. Rates last updated and verified on 10/30/2026. 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 Privately insuredNot NCUA Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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
Financial Health HistoryMillstream Area Credit Union’s Texas Ratio fell from 2.97% in Q3 2023 to 2.47% in Q2 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
24
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.47%
Return on Assets (ROA)
0.7068%
Return on Equity (ROE)
5.5933%
Non-Performing Loans Ratio (NPL)
0.66%
Total Assets
70,764,938
Total Amount of Shares and Deposits
61,337,110
Total Shares and Deposits < 1 Year
59,682,065
Total Shares and Deposits 1 3 Years
1,200,461
Total Shares and Deposits > 3 Years
454,584
Total Interest Expense (Sum of items 6 8)
275,540
Share Certificates
307
Number of Accounts for Share Drafts
5,533
IRA KEOGH Accounts
136
Number of Accounts for Regular Shares
10,959
Money Market Shares
412
Net Income (unless the amount is already included in Undivided Earnings)
500,171
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)
4,360,494
Total Liabilities
61,897,818
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Millstream Area Credit UnionDoes Millstream Area Credit Union offer CDs?Yes. Millstream Area Credit Union current CD rates include its Share/IRA CD Accounts - 36 month at 3.70% APY, its Share/IRA CD Accounts - 18 month at 3.649% APY and its Share/IRA CD Accounts - 24 month at 3.649% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Millstream Area Credit Union NCUA insured?No. Millstream Area Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at Millstream Area Credit Union?The highest Millstream Area Credit Union CD rate is its Share/IRA CD Accounts - 36 month at 3.70% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Millstream Area Credit Union offer?Millstream Area Credit Union CD rates are 3.29% APY for a 12 month CD, 3.65% APY for an 18 month CD, 3.65% APY for a 2 year CD, 3.70% APY for a 3 year CD, 3.598% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Millstream Area Credit Union for its full lineup. What is the highest savings rate at Millstream Area Credit Union?The highest Millstream Area Credit Union savings rate is its Savings, Special Shares & Club Accounts at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Millstream Area Credit Union?The highest Millstream Area Credit Union money market rate is its Money Market Accounts at 2.324% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Millstream Area Credit Union?The highest Millstream Area Credit Union checking rate is its Senior Checking Accounts at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Millstream Area Credit Union?The lowest Millstream Area Credit Union auto loan rate is its Auto Loan at 4.50% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Millstream Area Credit Union?The lowest Millstream Area Credit Union personal loan rate is its Signature Loan at 9.95%, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Millstream Area Credit Union?The lowest Millstream Area Credit Union credit card APR is its Visa Platinum Credit Card at 13.75% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Millstream Area Credit Union rates compare?Millstream Area Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A+ health rating. Millstream Area Credit Union's top rates are its Share/IRA CD Accounts - 36 month at 3.70% APY, its Savings, Special Shares & Club Accounts at 0.05% APY, its Money Market Accounts at 2.324% APY, its Senior Checking Accounts at 0.10% APY, its Signature Loan at 9.95% APR and its Visa Platinum Credit Card at 13.75% APR, verified by MonitorBankRates on October 30, 2026. Current Millstream Area Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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