Millstream Area Credit Union North Baltimore OH | Best Auto Loans & Business Banking

Introduction

At Millstream Area, we believe in creating a strong community through financial empowerment and personalized service. Located at 214 N Main St, North Baltimore, OH 45872, our branch has been dedicated to serving the needs of our members since its establishment. With a focus on building lasting relationships, we proudly serve over 7,795 members and manage total assets of $62,061,966. While you can visit us at our main branch for all your banking needs, official correspondence should be sent to the same address: 214 N Main St, North Baltimore, OH 45872. Our experienced team is committed to providing tailored solutions that meet the unique needs of each member. Under the leadership of our CEO, Joshua Reams, and Board President, Brody Yingling, we are not just about numbers; we are about people. We support our community with various financial products including auto loans, personal loans, and credit cards with rewards that truly benefit our members. In fact, we have extended over 3,200 loans to help individuals achieve their financial goals. Our commitment is reflected in our solid financial standing with total deposits reaching $4,084,606 and a net worth of $7,412,553. We also ensure that funds are readily available for our members as we maintain $1,057,357 in cash on hand. We invite you to explore how Millstream Area can assist you with your banking needs. Whether you're looking for checking accounts or financing options for your next vehicle purchase, we're here to help! Feel free to reach out by phone at 419-422-5626 or visit us during our operating hours: Monday-Tuesday-Thursday-Friday from 9:00 am to 5:00 pm and Wednesday from 12:00 pm to 5:00 pm. Your journey towards better financial health starts here! For more information about our services and offerings, please visit our website at Millstream Area.

Branch History & Mission

A Legacy of Service

Founded in a spirit of cooperation and shared values, Millstream Area has grown steadily over the years. Our total assets now stand at an impressive $62,061,966, reflecting our dedication to sound financial practices and responsible management. We have evolved from humble beginnings into a robust credit union that supports various financial needs, including personal banking, auto loans, mortgage financing, and more. Our branch operates with a strong focus on community engagement. We pride ourselves on being more than just a place for transactions; we actively participate in local events and initiatives that uplift those around us. Our partnerships with other organizations further amplify our impact as we work together to foster growth and opportunity within North Baltimore.

Call to Action

As we continue our journey toward enhancing the financial well-being of our members and community, we invite you to join us at Millstream Area. Experience firsthand how we blend quality service with genuine care for your financial future. With operating hours designed for your convenience Monday through Tuesday and Thursday through Friday from 9:00 AM to 5:00 PM, along with Wednesday hours from 12:00 PM to 5:00 PM we are here ready to assist you every step of the way. Contact us today at 419-422-5626 or visit Millstream Area to learn more about how you can benefit from becoming a member of our family!

Our Mission

At the core of Millstream Area's mission is the commitment to serve our members with integrity and respect. We strive to provide personalized service that meets the diverse needs of our community while promoting financial education and awareness. We believe that everyone deserves access to quality financial services, which is why we offer options like mobile banking, online account management, and drive-thru services for added convenience. Our mission extends beyond finances; we are dedicated to making a positive difference in the lives of those we serve. Whether through educational workshops or community sponsorships, we aim to empower individuals and families to achieve their financial goals. While members can visit us at 214 N Main St in North Baltimore for all their banking needs, official correspondence should be sent to the same address.

Branch Location & Accessibility

Convenient Access

Our branch offers ample parking right out front, ensuring that you can easily access our services. We also prioritize accessibility with ADA-compliant features, including ramps and designated parking spaces, so everyone can visit us without hassle. If you need assistance or have questions, our team is always ready to help.

Hours That Fit Your Schedule

We know that life can get busy, which is why we offer flexible hours. Visit us Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM, and on Wednesdays from noon until 5:00 PM. We want to make sure you have plenty of time to take care of your banking needs.

Services Tailored for You

At Millstream Area, we provide a range of services designed to support your financial journey. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our drive-thru service makes it simple for those quick transactions without leaving your vehicle. And if you're a member of another credit union? No problem! Our shared service center allows you to access basic transactions seamlessly.

Stay Connected

If you have questions or would like more information about our offerings, don't hesitate to call us at 419-422-5626. We look forward to welcoming you into our branch soon! While members can visit us at 214 N Main St for all their banking needs, official correspondence should be sent to the same address for convenience. Come by and see how we can help you today!

Member Eligibility

At Millstream Area, we believe that everyone deserves a place in our community, and becoming a member is your first step towards enjoying a wealth of benefits. If you're a resident or work in the North Baltimore area, you're likely eligible to join us! We welcome individuals and families from various backgrounds, making it easy for you to access personalized banking services tailored just for you. Membership means more than just banking; it's about being part of a supportive network that cares about your financial well-being. Joining is simple! You can find detailed eligibility criteria on our website at . If you have any questions or need assistance, don't hesitate to reach out to us at (419) 422-5626. We're here to help you every step of the way as you embark on this journey with Millstream Area. Together, let's make your financial goals a reality right here at 214 N Main St, North Baltimore, OH 45872.

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In addition to loans, we offer comprehensive merchant services that streamline transactions for your business. Imagine being able to accept payments from anywhere be it in-store or online. Our services can help you manage transactions efficiently, giving you more time to focus on what you do best: running your business. Visit us at 214 N Main St North Baltimore Oh 45872 in North Baltimore, OH, or call us at (419) 422-5626 to learn more about how we can support your business banking needs!

Tailored Loan Options for Your Business

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

ATM & Drive-Thru Services

At our branch located at 214 N Main St, North Baltimore, OH 45872, we also offer comprehensive ATM services for cash withdrawals and balance checks. If you're on the go or prefer face-to-face interaction for simple transactions like deposits or withdrawals, our drive-thru service is here for you. We even participate in basic shared branch transactions which means if you're a member of another partner credit union, you can still make deposits and withdrawals at our location!

Business Banking Services

For local entrepreneurs and small business owners, we provide essential business banking services. Our merchant services make transactions smoother, while our business loans offer the capital needed to grow and expand your ventures.

Call Us Today!

With all these services available under one roof at Millstream Area, we're confident that we can meet your financial needs effectively. Have questions? Want to learn more about how we can assist you? Don't hesitate to reach out! Call us at 419-422-5626 or visit us online at www.millstreamcu.com. We look forward to helping you achieve your financial goals!

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in online and mobile banking solutions that allow you to manage your finances from anywhere. With features like mobile payments, person-to-person transfers, and e-statements, accessing your account is easier than ever.

Personal Banking Solutions

Managing your finances shouldn't be complicated. That's why at Millstream Area, we offer personal banking options that include checking and savings accounts designed for everyday use. Whether you're saving for a new car or just want a safe place to keep your money, our accounts provide competitive rates and easy access. When it comes to financing your vehicle, our auto loans and vehicle financing options make it simple. We help you get behind the wheel with flexible terms and competitive rates. If you're looking to purchase a home, our mortgage loans and refinancing services can guide you through every step of the process, making homeownership more accessible than ever. For those times when unexpected expenses arise, our personal loans and debt consolidation options can help ease financial burdens. Plus, with credit cards that offer rewards, you can earn while you spend!

Digital & Online Banking

E-Statements & Mobile Features

Say goodbye to paper clutter! We offer e-statements, which means you can view and manage your bank statements online securely and efficiently. Plus, our mobile application makes banking even easier. With features like mobile payments and person-to-person transfers, sending money to friends or family has never been more convenient.

Online Banking Services

Our online banking services at https://www.millstreamcu.com/ allow you to check balances, pay bills, and transfer funds with just a few clicks. You can access your account 24/7 from the comfort of your home or on the go, making it simple to stay on top of your finances whenever you need to.

Security You Can Trust

We prioritize your security with all our digital services. While we do not currently offer electronic signature authorization, you can rest assured knowing that your information is safe with us. Our online banking platform is designed with user-friendly features that are easy to navigate while keeping your data protected. In summary, Millstream Area provides accessible and efficient digital banking solutions tailored for our members' needs. Whether you're looking to check your balance or make a quick payment, our services make managing your money straightforward and secure. Explore all that we have to offer today at https://www.millstreamcu.com/ !

Financial Strength

Building Trust Together

Total Share and Deposit Accounts: 14,696, showing a strong and growing member base that trusts us with their finances. 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 214 N Main St North Baltimore Oh 45872 or call (419) 422-5626 to learn more about how we can help you achieve your financial goals.

Commitment to Excellence

Our $704,122 reflects our operational efficiency, 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. With net shares available for lending and investments totaling $0, we are equipped to assist you effectively.

Investing in Your Future

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

Secure Savings Options

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.

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 $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.

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 eyeing a brand-new model or a reliable used vehicle, our financing options can make it easier for you to drive away happy.

Credit Lines and Unsecured Loans

For those needing extra flexibility in their finances, we offer credit lines totaling $5,196,034. These credit lines can provide quick access to cash when you need it most. Additionally, 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. We are committed to serving our members with transparency and support. Our team is available at our branch located at 214 N Main St North Baltimore Oh 45872, or you can reach us by phone at 419-422-5626 for any questions regarding our loan offerings or eligibility requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Choose Millstream Area for your lending needs and take the next step towards achieving your financial objectives today!

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 competitive rates and flexible terms so you can find a solution that fits your budget. If you're looking to refinance an existing mortgage or explore eligibility options for purchasing your first home, we're here to guide you through the process.

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MILLSTREAM AREA CREDIT UNION