Credit union · NCUA insured
Bay Area Credit Union
A $108.6M credit union headquartered in Oregon, OH, with 7,400 members and 3 branches in Ohio. Best rates: CDs 3.20% and savings 0.40% APY.
Bay Area Credit Union Carrot Score
68
Carrot Score
Higher than 20% of U.S. banks and credit unions
#24 of 31 in Toledo, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bay Area Credit Union
Chartered in 1934 by the state of Ohio, Bay Area Credit Union was formerly known as Sohio Toledo Refinery Credit Union and formed by refinery employees.
In October 2025, the credit union acquired Maumee Valley Credit Union, serving Lucas, Wood, Ottawa, and Sandusky counties in Northwest Ohio.
- Headquarters
- 4202 Navarre Ave, Oregon, OH 43616-3562
- NCUA charter
- 63375
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Lucas, Wood, Ottawa, or Sandusky county.
Family and household
- Family members are eligible to join.
Cost to join
- Opening a Regular Savings account with a $5 minimum deposit is required to join.
Branches
3 branches in Ohio
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Ohio
3 branches
- MainMain office4202 Navarre Ave, Oregon, OH 43616Directions
- Perrysburg1070 Commerce Dr, Suite 4A, Perrysburg, OH 43551Directions
- Toledo28 N Fearing Blvd, Toledo, OH 43607Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.60% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.21% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.70% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $53 | $76 | — |
- CapitalNet worth ratio11.60%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.21%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.70%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$53Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Bay Area Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.