Millstream Area Credit Union Findlay OH | Low Mortgage Rates & Business Banking

Introduction

Welcome to Millstream Area your trusted partner for financial success located at 1007 Western Ave, Findlay, OH 45840. With a proud history of serving our community since our establishment, we are dedicated to providing a wide range of financial services tailored to meet your needs. Our commitment is reflected in our growing family of 7,795 members, who rely on us for everything from checking and savings accounts to auto loans and mortgage financing. At Millstream Area, we proudly manage assets totaling $62,061,966 and maintain a robust deposit base of $4,084,606. With a strong net worth of $7,412,553, you can trust that your funds are safe with us. Our financial health is complemented by a diverse loan portfolio comprising 3,200 loans and leases, ensuring that we can support our members' goals whether they're buying a new car or consolidating debt. Our team is led by CEO Joshua Reams and Board President Brody Yingling, who embody our dedication to member service and community engagement. Together with our skilled staff of 20 employees, we strive to create an environment where every member feels valued and understood. While members can visit us at our branch for personal assistance or to utilize our drive-thru services, official correspondence should be sent to the same address: 1007 Western Ave, Findlay, OH 45840. You can also reach us at 419-422-5626 for any inquiries or assistance. Explore all that Millstream Area has to offer through our website at Millstream Credit Union. We invite you to discover how we can help you achieve your financial dreams! Visit us today or give us a call we're here for you!

Branch History & Mission

Community Focus

Millstream Area is more than just a credit union; it's a community partner. We actively engage in outreach efforts designed to uplift local residents through educational workshops and financial literacy programs. By fostering strong relationships within the community, we create opportunities for growth and success. As we look ahead, we invite you to join us on this journey toward financial wellness. Experience firsthand how Millstream Area can help you achieve your goals while being part of a caring community that supports one another. Ready to take the next step? Visit us at 1007 Western Ave or call us at 419-422-5626 today! Together, let's build a brighter financial future for all.

Our Journey

From humble beginnings, Millstream Area has evolved into a trusted financial institution with total assets reaching an impressive $62,061,966. Our journey began with a commitment to provide accessible banking services and foster community growth. As we have expanded our offerings from personal banking solutions like checking and savings accounts to auto loans and business banking we have remained dedicated to enhancing the lives of our members. Located conveniently on Western Ave, our branch is easily accessible and close to many local landmarks. Whether you are visiting us for a loan consultation or simply stopping by for ATM access, you'll find that our team is ready to assist you every step of the way. For official correspondence, please use our mailing address: 1007 Western Ave, Findlay, OH 45840.

Our Mission

Our mission at Millstream Area is simple yet profound: to empower our members through exceptional financial services while actively contributing to the well-being of our community. We understand that each member's journey is unique, which is why we offer personalized solutions tailored to your individual needs. Our commitment extends beyond just banking; we aim to build lasting relationships with those we serve. We believe in making banking easy and accessible for everyone. That's why we provide online and mobile banking options alongside traditional services like drive-thru banking and shared service center availability. We ensure that all members can access their accounts and manage their finances conveniently.

Branch Location & Accessibility

Banking Made Easy

Need cash? You'll find an ATM on-site for quick withdrawals or balance checks. If you're in a hurry or prefer not to enter the branch, take advantage of our drive-thru service for deposits and withdrawals. Additionally, we participate in shared services with partner credit unions so members can conduct transactions easily at various locations. While members can visit us at 1007 Western Ave for all their banking needs, please note that official correspondence should be sent to the same address as our mailing address is the same. If you have any questions or need assistance, don't hesitate to give us a call at 419-422-5626. We're excited to help you with all your financial needs! Come visit us today and see how we can make your banking experience better!

Conveniently Located

Our branch is easily reachable, situated near local landmarks that you might recognize. With ample parking available, you won't have to worry about finding a spot when you visit us. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can access our services without hassle.

Operating Hours & Services

We're here for you Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays, our drive-thru is open from 9:00 AM to 12:00 PM. This gives you plenty of opportunities to come by and discuss your banking needs. At Millstream Area, we offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. We also provide business banking solutions and online/mobile banking for your convenience.

Member Eligibility

Becoming a member of Millstream Area is like joining a caring family that supports your financial journey. If you live, work, worship, or attend school in the community around Findlay, Ohio, you're already on your way to membership! At Millstream Area, we believe in making banking accessible for everyone. Our members enjoy benefits such as lower fees, competitive rates on loans, and personalized service that puts your needs first. It's simple to get started; all you need is to meet the eligibility criteria which you can learn more about at . If you're ready to open an account or have any questions, feel free to give us a call at (419) 422-5626. Join us at our welcoming branch located at 1007 Western Ave Findlay Oh 45840, and let's build a brighter financial future together!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In today's fast-paced world, having the right tools is crucial for any business. Our merchant services offer practical solutions that simplify transactions, allowing you to focus on what matters most growing your business. From seamless payment processing to easy access to funds, we ensure you have the support you need at every step. Located at 1007 Western Ave, Findlay, OH 45840, our team is ready to assist you. Call us at 419-422-5626 or visit our website at Millstream Area to learn more about how we can partner with you for success!

Tailored Financing Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For business owners, we offer specialized services such as merchant services and business loans. We know that running a business is demanding, so let us help simplify your financial management.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we prioritize our online and mobile banking features. You can check balances, transfer funds, and pay bills right from your smartphone or computer. With our ATM access and cash withdrawal services available, accessing your money has never been simpler.

Drive-Thru and Shared Branch Services

For those who prefer face-to-face interactions, our basic drive-thru banking allows for easy deposits, withdrawals, and simple transactions without leaving your car. Additionally, through our shared branch transactions, members of partner credit unions can enjoy deposits and withdrawals at our location too! At Millstream Area Credit Union, we are committed to making banking as easy as possible for you. With extended hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday drive-thru hours from 9:00 AM to 12:00 PM, we're here when you need us. If you're ready to experience a better way to bank or have any questions about our services, feel free to reach out at 419-422-5626 or visit us online at millstreamcu.com. Let us help you take the next step towards achieving your financial goals!

Loans and Credit

When life throws unexpected expenses your way, our personal loans and debt consolidation solutions can provide the support you need. If you're looking to reward yourself for spending responsibly, consider our credit cards with rewards they're designed to give you more back on your purchases.

Personal Banking

We offer personal banking options that include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a new home or managing everyday expenses, our accounts provide the flexibility and features you need. Our auto loans and vehicle financing make it easier than ever to drive away in the car you've always wanted. If you're looking to buy a home or refinance an existing mortgage, our mortgage loans come with competitive rates and personalized service.

Digital & Online Banking

Eco-Friendly E-Statements

In an effort to reduce paper waste and provide you with instant access to your financial statements, we offer e-statements. This means you can view and download your statements whenever you need them without waiting for the mail. At Millstream Area, we're committed to providing accessible banking solutions that fit into your lifestyle. Experience convenience like never before by exploring our digital banking services today!

Key Features for Your Convenience

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, you'll have real-time access to your financial information right at your fingertips. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. For those who prefer using their smartphones, our mobile application is ready for download. It allows you to manage your accounts on the go, making transactions as easy as tapping your screen. Plus, if you're always on the move, you'll appreciate our mobile payments feature, which lets you make quick purchases directly from your device.

Security You Can Trust

We prioritize your security while ensuring that our services remain user-friendly. Although we currently do not offer electronic signature authorization, rest assured that all transactions are protected with industry-standard encryption. You can feel confident knowing that your personal information is safe with us.

Financial Strength

Growing Together

The trust you've placed in us is reflected by our robust member base; we proudly serve 14,696 share and deposit accounts. This strong support allows us to continue enhancing the services we provide. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Millstream Area is your trusted partner. Visit us at 1007 Western Ave Findlay Oh 45840 or call (419) 422-5626 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

With $4,924,486 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $704,122 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Savings

Your savings are secured through $5,704,128 in share certificates and $10,028,073 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $7,412,553, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,193 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports your financial goals across various sectors with $749 in used auto loans and $31,025,359 in total loans and leases. We also take pride in having 20 full-time employees ready to assist you with any inquiries or needs you may have.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have facilitated over $10,266,520 in used vehicle loans and $2,659,148 in new vehicle loans already helping members get on the road. Whether you're looking for a reliable used car or a brand-new model, our financing options make it easier than ever.

Credit Lines

For those who prefer flexibility in borrowing, our credit lines are an excellent option. With $5,196,034 available in total credit lines, you can access funds as needed helping you manage unexpected expenses or plan for special purchases with ease.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $7,283,749, making buying or refinancing simple. We are here to guide you through the process and provide competitive rates that suit your budget.

Refinancing Options

If you're considering refinancing any existing loans or mortgages to take advantage of better rates or terms, we're here to assist you with that process too. Our experienced team will work with you to find the best solution tailored to your situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Millstream Area Credit Union, we prioritize your financial well-being and are committed to providing loan products that help you thrive financially. Stop by our branch or give us a call today!

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $1,623,468 in loans available, our credit cards help members manage their finances effectively without the burden of collateral requirements.

Loan Aggregator

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MILLSTREAM AREA CREDIT UNION - Findlay, OH