Atomic Credit Union

Headquarters

711 Beaver Creek Rd
Piketon, OH 45661
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 5.50% →
1-Year CD 0.50% 4.65% →
2-Year CD 0.80% 4.25% →
5-Year CD 1.16% 4.05% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Atomic is an NCUA insured institution located in Piketon, OH. It was founded in 1955 and has approximately $686.98 millions in assets.

Who can join?

To be eligible you have to be related to someone who is already a member of Atomic or live, work or worship in one of the following 14 counties: Adams, Athens, Brown, Gallia, Highland, Hocking, Jackson, Lawrence, Meigs, Perry, Pike, Ross, Scioto or Vinton. Also, all family of current members are eligible.

NCUA Insured Yes / State-Chartered
Charter Number # # 63532
Date Established 1955
Assets $686.98 million
Loans $592.31 million
Deposits $614.42 million
Capital $55.71 million
 

Field of Membership Restrictions

Membership is open to anyone who resides, works, or attends church in any of the following counties; Adams, Athens, Brown, Galla, Highland, Hocking, Jackson, Lawrence, Meigs, Perry, Pike, Ross, Scioto, and Vinton.

Deposit Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
1.06% $10,000 $14,999 Learn More
48 Mo CD
1.06% $100,000 $199,999 Learn More
60 Mo CD
1.16% $10,000 $14,999 Learn More
60 Mo CD
1.16% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $1 $499 Learn MoreShow Less

Loan Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Atomic

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
District Lending
NMLS ID: 1835285
6.494% 6.375% 0.75 $4,000 $1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.863% 6.750% 1.00 $3,705 $2,076 Learn More
Rocket Mortgage
NMLS ID: 3030
7.325% 7.250% 0.75 $2,400 $2,183 Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.240 %
After Intro: 7.240 %
$0 Learn More
More Info
Rate
Rate
See Table
Intro APR
7.900 %
After Intro: 7.900 %
$25,000 Learn More
More Info

Note to Atomic
To upload and update your bank's rates please register. It is free to register and add rates.

Branches



Climate Policy and Initiatives

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Financial Details

Atomic Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Atomic. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Atomic U.S. Average
4.22% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Atomic had $2,270,222 in non-current loans and $177,205 in owned assets. To cover these potential losses it had $55,711,007 in net worth and $2,300,000 in loans loss reserves. That gives it a Texas Ratio of 4.22%.

Net Worth
Atomic U.S. Average
8.55% 13.93%

Atomic FCU has a net worth of 8.55% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Atomic

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