Millstream Area Credit Union Findlay OH | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Millstream Area, your trusted partner in financial services located at 1650 Fostoria Ave, Findlay, OH 45840. Established with a mission to empower our community, we proudly serve over 7,795 members and have grown to manage assets totaling $62,061,966. At Millstream Area, we believe that banking should be personal and accessible offering everything from checking and savings accounts to auto loans and credit cards with rewards. Our commitment to the community is reflected in our dedication to providing exceptional service while ensuring financial stability for our members. With 20 dedicated employees, including our CEO, Joshua Reams, and Board President, Brody Yingling, we strive to create an environment where everyone feels valued and supported. While you can visit us at our branch location on Fostoria Avenue, official correspondence can be sent to the same address for your convenience. Our total deposits stand at $4,084,606, showcasing the trust our members place in us. Additionally, we currently hold a net worth of $7,412,553 and maintain a healthy cash reserve of $1,057,357 to ensure we can meet your needs promptly. We invite you to experience the Millstream Area difference. Whether you're looking for personal banking solutions or business loans, we're here to help you achieve your financial goals. Feel free to reach out at (419) 422-5626 or visit our website at Millstream Area for more information about our services. Join us today and discover how Millstream Area can be your partner in building a brighter financial future!

Branch History & Mission

Millstream Area Credit Union has a proud history of serving the community of Findlay, Ohio. Since opening our doors in 1966, we have grown alongside our members, building lasting relationships and a strong commitment to their financial well-being. Located at 1650 Fostoria Ave, our branch is conveniently situated near local landmarks, making it easy for you to visit us. Over the years, we have expanded our services and outreach efforts to meet the evolving needs of our nearly 7,800 members. Today, with total assets exceeding $62 million, we are dedicated to providing a range of financial products and services that empower individuals and families. Our mission is simple yet impactful: to enhance the financial lives of our members while supporting the community in which we operate. At Millstream Area, we prioritize personal banking solutions such as checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our commitment extends beyond just banking; we also provide business banking services to support local entrepreneurs. With online and mobile banking options available, managing your finances has never been easier. We take pride in our customer-centric approach and are pleased to offer essential features like ATM availability and drive-thru service for added convenience. Additionally, our shared service center allows members from partner credit unions to access basic transactions seamlessly. Our mission drives us to not only focus on financial growth but also invest in community initiatives. We believe that by supporting local organizations and events, we can make a meaningful difference in Findlay. While you can reach us at our branch address for all your banking needs, please send official correspondence to 1650 Fostoria Ave, Findlay, OH 45840 if necessary. Join us today at Millstream Area Credit Union! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community-focused organization. Call us at 419-422-5626 or visit our website at millstreamcu.com for more information on how to become a member!

Branch Location & Accessibility

Call to Action

Ready to experience personalized banking? We invite you to visit us at our Findlay location or give us a call at 419-422-5626 for any inquiries. Our dedicated team is excited to assist you! Don't forget, official correspondence can be sent to the same address at 1650 Fostoria Ave. We look forward to welcoming you soon!

Nearby Landmarks and Accessibility

Our branch is nestled near popular local spots, making it easy to combine errands. Just a short drive from the heart of Findlay, we are accessible for everyone. Plus, we have ample parking available right outside the entrance. For those who may need extra assistance, our facility is ADA-compliant, featuring ramps and accessible entrances to ensure everyone can bank comfortably.

Operating Hours and Services

We're here to help during convenient hours! Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM until noon at our drive-thru. This gives you plenty of time to stop by after work or during your weekend errands. At Millstream Area, we offer a wide array of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we strive to be your one-stop-shop for all financial needs. Our drive-thru service allows for quick deposits and withdrawals without leaving your car, while our shared service center means you can handle basic transactions even if you're a member of another credit union.

Member Eligibility

At Millstream Area, we believe that everyone deserves a chance to join our welcoming community. Becoming a member is straightforward and open to anyone who lives, works, worships, or attends school in our service area. If you have a connection to Findlay or the surrounding regions, we invite you to explore the benefits of membership with us. With access to personalized banking services, competitive loan rates, and community support, you'll find that being part of Millstream Area means more than just having a bank account; it's about being part of something bigger. To get started, simply visit us at 1650 Fostoria Ave Findlay Oh 45840 or give us a call at (419) 422-5626 for more information. You can also check out detailed eligibility criteria on our website. We're here to help you every step of the way, making your journey into membership smooth and enjoyable!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no active commercial loans, our team is ready to assist you in exploring future financing options tailored to your needs. Imagine launching a new product line or expanding your storefront those dreams can become a reality with the right funding. Our business loans are designed to provide you with the necessary capital to seize those opportunities.

Merchant Services

In today's fast-paced marketplace, offering convenient payment options is crucial for attracting and retaining customers. At Millstream Area, our merchant services streamline transactions, making it easy for you to accept payments securely and efficiently. From mobile payment solutions to online processing, we help ensure that your business runs smoothly. Located at 1650 Fostoria Ave Findlay Oh 45840 in Findlay, OH, we're dedicated to helping local businesses thrive. Reach out at (419) 422-5626 to discover how we can assist you in achieving your financial goals!

Comprehensive List Of Services

Business Banking Solutions

Entrepreneurs can benefit from our dedicated business banking services, including merchant services and business loans. We know how hard you've worked to build your business, so let us support you with reliable financial solutions that help it grow.

Convenient Access Points

We also prioritize convenience with our ATM services, enabling cash withdrawals anytime you need them. Plus, take advantage of our basic drive-thru banking for quick transactions like deposits and withdrawals without leaving your car.

Home Sweet Home

If you're ready to buy a home or refinance your existing mortgage, our mortgage loans come with flexible terms that cater to various financial situations. We believe in helping you find the perfect financing solution so you can turn your house into a home.

Personal Banking Made Easy

Whether you're looking to manage your day-to-day expenses or save for future goals, our checking and savings accounts are tailored for you. Imagine easily accessing your funds through our online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills right from your smartphone. Our goal is to make banking as simple and accessible as possible.

Personal Loans for Life's Needs

Life is full of surprises some great and some challenging. That's why we provide personal loans and debt consolidation options. Whether it's an unexpected expense or a big project you've been wanting to tackle, we're here to help you achieve your goals without the stress of high-interest rates.

Rewarding Credit Card Options

For those who enjoy earning rewards while spending, our credit cards with rewards program offers cash back on everyday purchases. It's not just about managing money; it's about getting more value from what you spend.

Shared Branch Services

As part of the larger credit union network, we offer shared branch transactions, allowing members from partner credit unions access to essential services like deposits and withdrawals right here at Millstream Area. In addition to these services, our friendly staff is always ready to assist you with any inquiries or needs you may have during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. For more information on how we can assist you with these services or if you're ready to start banking with us today, feel free to give us a call at 419-422-5626 or visit us at Millstream Area. We're excited to help you achieve all your financial goals!

Vehicle Financing Options

Thinking about purchasing a new car? We offer competitive auto loans and vehicle financing options that fit your budget. Picture driving away in your dream car with affordable monthly payments that won't break the bank. Our experienced team is ready to guide you through the process, ensuring you get the best deal.

Digital & Online Banking

Key Services

Explore our online banking platform at https://www.millstreamcu.com/ where you can easily manage your accounts. Check your balances, transfer funds, and pay bills all from one convenient location. Plus, you can set up e-statements to keep track of your transactions without the hassle of paper clutter yes, we offer e-statements for a cleaner, greener way to stay informed! With our mobile application available for download, banking is literally at your fingertips. You can make mobile payments effortlessly and even send money to friends and family with person-to-person transfers. It's like having a bank branch right in your pocket!

Security & Ease-of-Use

We prioritize security in every aspect of our digital services. Even though we don't currently offer electronic signature authorization, rest assured that your information is protected through advanced security measures. Our user-friendly interface means you won't need a degree in finance to navigate your accounts successfully. No matter where life takes you, our online banking services ensure that you have real-time access to your finances anytime you need it. So whether it's a quick check on your account or making an important payment, Millstream Area has got you covered!

Financial Strength

Growing Member Base

We have a strong community backing with 14,696 total share accounts. This growing member base trusts us with their finances and exemplifies the confidence placed in Millstream Area. 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 1650 Fostoria Ave Findlay Oh 45840 or call (419) 422-5626 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' 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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our impressive $268,255, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 20 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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 lending capacity supports members' financial goals across various sectors with $749 in used auto loans and $31,025,359 in total loans and leases.

Strong Financial Health

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 11.93% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with 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 interested in financing a brand-new model or a reliable used vehicle, we've got options that suit every budget.

Credit Lines

If you're looking for additional flexibility in managing your cash flow, our total credit lines amounting to $5,196,034 can provide the support you need for unexpected expenses or planned purchases. These lines allow you to borrow as needed while only paying interest on what you use. For those considering refinancing options or assessing eligibility for any of our products, our team is here to assist you every step of the way. Feel free to reach out at 419-422-5626 or visit us at our branch located at 1650 Fostoria Ave., Findlay, OH 45840. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and let us help you take your next financial step with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,283,749, make buying or refinancing simple. We provide clear guidance throughout the process to ensure you understand your options and can make informed decisions.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,623,468 in loans helping members manage their finances effectively. Our credit cards come with rewards and are designed to give you the freedom to spend wisely while building your credit history.

Loan Aggregator

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MILLSTREAM AREA CREDIT UNION - Findlay, OH

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