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Sylvania Area Federal Credit Union

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Sylvania Area Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sylvania Area Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Sylvania Area Federal Credit Union's Personal Loan Rates are as low as 9.74%. Sylvania Area Federal Credit Union's Credit Card Rates are at 9.74%. MonitorBankRates evaluates the financial stability of Sylvania Area Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates last updated and verified on 09/23/2026.

Sylvania Area Federal 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 Sylvania Area Federal Credit Union? Share your experience about Sylvania Area Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sylvania Area Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sylvania Area Federal Credit Union
Sylvania Area Federal Credit Union

6613 Maplewood Ave
Sylvania, OH 43560

https://www.sylvaniaareafcu.com

Sylvania Area Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	5.74%	Up to 60 Months
Details Max financed 90% of appraised value. Member is responsible for closing costs. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Home Equity	-	-	5.99%	61 - 120 Months
Details Max financed 90% of appraised value. Member is responsible for closing costs. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Home Equity	-	-	6.24%	121 - 180 Months
Details Max financed 90% of appraised value. Member is responsible for closing costs. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Home Equity	-	-	6.74%	Up to 60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Home Equity	-	-	6.99%	61-84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Home Equity	-	-	9.74%	12 Months
Details Max financed 90% of appraised value. Member is responsible for closing costs. All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Sylvania Area Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%	Up to 72 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Auto Loan	-	-	5.24%	84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Auto Loan	-	-	5.24%	Up to 72 Months
Details Rate includes 0.25% discount for automatic payment. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Auto Loan	-	-	5.74%	84 Months
Details Rate includes 0.25% discount for automatic payment. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
New Cars Loan	-	-	9.74%	12 Months
Details All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Used Cars Loan	-	-	9.74%	12 Months
Details All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Sylvania Area Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Other Recreational Merchandise(Motorcycles, ATVs, Jet Skis, Snowmobiles, Utility Trailers, Etc.) - New Loan	-	5.99%	up to 48 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Other Recreational Merchandise(Motorcycles, ATVs, Jet Skis, Snowmobiles, Utility Trailers, Etc.) - New Loan	-	6.24%	up to 60 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Other Recreational Merchandise(Motorcycles, ATVs, Jet Skis, Snowmobiles, Utility Trailers, Etc.) - Used Loan	-	6.24%	up to 48 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Other Recreational Merchandise(Motorcycles, ATVs, Jet Skis, Snowmobiles, Utility Trailers, Etc.) - Used Loan	-	6.49%	up to 60 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Other Recreational Merchandise (Motorcycles, ATVs, Jet Skis, Snowmobiles, Utility Trailers, Etc.) Loan	-	9.74%	12 Months
Details All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Recreational Merchandise (RV/Motor Homes, Travel Trailers, & Boats) Loan	-	9.74%	12 Months
Details All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Sylvania Area Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Cards	-	9.74%
Details All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Sylvania Area Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	9.74%	Up to 24 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Personal Loans	10.74%	36 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Personal Loans	11.74%	48 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Personal Loans	12.74%	60 Month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Sylvania Area Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Classic Loan	-	-	14.99%
Details Published APR range: 14.99% - 16.99%. Rate includes a 0.00% introductory rate for the first 12 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Holiday & Vacation Loans ("12/12/12" Loans)	-	-	12.00%	12 Months
Details All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Home Improvement Loan	-	-	9.74%	12 Months
Details (Up to $10,000. Appraisal, Title work, & other closing costs may be waived.) All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Platinum Loan	-	-	9.99%
Details Published APR range: 9.99% - 12.99%. Rate includes a 0.00% introductory rate for the first 12 months. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Short Term Loans ("Fast 5 Loans")	-	-	17.99%	6 Months
Details All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Tuition Loans	-	-	9.74%	12 Months
Details All Rates- APR**as low as, with automatic payment discount included. Term & Loan-to-Value limitations apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Sylvania Area Federal Credit Union’s Texas Ratio stayed near 0.00% in Q2 2023 to 0.02% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$25M	0.02%	5.0	A+
December 31, 2025	$26M	1.52%	5.0	A+
September 30, 2025	$27M	1.81%	5.0	A+
June 30, 2025	$28M	0.14%	5.0	A+
March 31, 2025	$28M	0.14%	5.0	A+
December 31, 2024	$28M	0.49%	5.0	A+
September 30, 2024	$27M	2.17%	5.0	A+
June 30, 2024	$26M	0.05%	5.0	A+
March 31, 2024	$25M	0.00%	5.0	A+
December 31, 2023	$24M	0.22%	5.0	A+
September 30, 2023	$25M	0.63%	5.0	A+
June 30, 2023	$24M	0.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sylvania Area Federal 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 Sylvania Area Federal 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 Sylvania Area Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sylvania Area Federal Credit Union

Website https://www.sylvaniaareafcu.com

Address 6613 Maplewood Ave, Sylvania, OH 43560

Phone 419-882-3525

Fax 419-885-2604

President Sara Lievens

CEO Patricia Hakeos

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.02%

Return on Assets (ROA)

0.0978%

Return on Equity (ROE)

1.0636%

Non-Performing Loans Ratio (NPL)

0.01%

Total Assets

25,456,976

Total Amount of Shares and Deposits

23,535,750

Total Shares and Deposits < 1 Year

21,045,791

Total Shares and Deposits 1 3 Years

1,469,263

Total Shares and Deposits > 3 Years

1,020,696

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

96,652

Total Uninsured Shares and Deposits > $250K (F+J)

96,652

Total Insured Shares and Deposits > $250K (item 17 less item K)

23,439,098

Total Interest Expense (Sum of items 6 8)

100,083

Share Certificates

513

Number of Accounts for Share Drafts

618

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,132

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

24,897

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)

1,591,866

Total Liabilities

23,568,190

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Sylvania Area Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Sylvania Area Federal Credit Union

Frequently Asked Questions About Sylvania Area Federal Credit Union

How many branches does Sylvania Area Federal Credit Union operate?

Sylvania Area Federal 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 Sylvania Area Federal Credit Union?

Yes, to access services at Sylvania Area Federal 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, Sylvania Area Federal 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, Sylvania Area Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sylvania Area Federal Credit Union offer online and mobile banking?

Most modern institutions like Sylvania Area Federal 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.sylvaniaareafcu.com.