Atomic Credit Union Athens OH | Affordable Auto Loans & Business Banking

Introduction

Welcome to Atomic Credit Union - Athens State Street, where we believe that your financial journey should be as smooth as possible. Located at 920 E State St, Athens, OH 45701, we have proudly served our community since 1955. With a commitment to providing personalized banking solutions, we currently support over 79,329 members with a total of $730,413,772 in assets. At Atomic, we understand that every member's needs are unique. Whether you're looking for auto loans, savings accounts, or personal loans, we've got you covered. Our total deposits stand at an impressive $62,285,362, reflecting the trust our members place in us. Plus, with a net worth of $57,051,592, you can feel secure knowing your funds are in good hands. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at 711 Beaver Creek Rd, Piketon, OH 45661. Our dedicated team of 271 employees, led by CEO Thomas Griffiths and Board President Billy Spencer, is here to guide you through any financial decisions you may face. We encourage you to take advantage of our modern banking services like online and mobile banking. With easy access to your account anytime and anywhere, managing your finances has never been more convenient. Ready to experience a credit union that truly puts its members first? Feel free to call us at 740-249-2924 or visit our website at www.atomiccu.com for more information on how we can assist you today!

Branch History & Mission

Community Engagement

Our commitment extends into the heart of Athens as we actively participate in community outreach programs and partnerships. These initiatives allow us to give back to those who have supported us over the years. We aim to inspire financial literacy among all ages and provide resources that help individuals thrive economically. As we continue on this journey together, we invite you to join Atomic Credit Union. Experience firsthand how our services can benefit you financially while being part of a community-focused institution that truly cares about its members' success. For more information or to become a member today, feel free to contact us at 740-249-2924 or visit our website at Atomic Credit Union. Let's build a brighter future together!

Our Mission

At Atomic Credit Union, our mission is clear: we strive to provide exceptional financial services while supporting the communities we serve. We believe in the power of collaboration and are dedicated to offering products such as personal banking accounts, auto loans, mortgage options, and business banking solutions. We aim not only to meet your financial needs but also to enhance your experience through innovative services like online and mobile banking. We understand that being accessible is crucial for our members. That's why we offer an ATM on-site and drive-thru banking for added convenience. Our operating hours reflect our dedication to service; we are open Monday through Friday from 8:30 AM to 5:00 PM (with extended hours until 6:00 PM on Fridays) and Saturday from 8:30 AM to 1:00 PM. While members can visit us at 920 E State St, official correspondence should be sent to our mailing address at 711 Beaver Creek Rd, Piketon, OH 45661.

Branch Location & Accessibility

Drive-Thru and ATM Access

For those who prefer quick transactions without leaving their vehicles, we have a drive-thru service available for deposits and withdrawals. Additionally, our ATM is ready to serve you with cash withdrawal services and balance checks anytime you need it. While members can visit us at our Athens location for in-person service, official correspondence should be sent to our mailing address at 711 Beaver Creek Rd, Piketon, OH 45661. We invite you to come by or give us a call at 740-249-2924 if you have any questions or need assistance. At Atomic Credit Union, we're dedicated to providing exceptional service tailored just for you!

Nearby Landmarks and Accessibility

Our branch is situated near popular spots like the Ohio University campus and the vibrant downtown area of Athens, making it a familiar place for locals and students alike. We offer ample parking space for your convenience, ensuring that you can easily find a spot when you visit us. Plus, our facility is ADA compliant, with ramps and accessible entrances to assist all members of the community.

Operating Hours and Services Offered

At Atomic Credit Union, we understand that your time is valuable. That's why we're open Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 8:30 AM to 1:00 PM. We're closed on Sundays. During these hours, you can take advantage of a variety of services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, business banking solutions, as well as online and mobile banking.

Member Eligibility

At Atomic, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is easy and welcoming! If you're a resident of Athens County or have connections to our local community, you're likely eligible to join us. Our members enjoy personalized banking services, competitive rates, and the peace of mind that comes from being part of a cooperative that puts people first. To learn more about the specific eligibility requirements, feel free to visit our detailed page at https://online.flippingbook.com/view/292452319/. Opening an account with Atomic is just a few clicks away! You can start your journey by checking out the account opening details at https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad4dlqdzsqgz4jsyvuuozflkkkdz_ehamc-0cwk1blzfipcwvteo5pjvlp_vaaitq6tuyvby-eu0ho4vci9riucszurcvvuev2h9_axcswdl7. If you have any questions or need assistance, don't hesitate to give us a call at (740) 249-2924. We're here to help you every step of the way as you take this exciting step toward financial well-being!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having the ability to accept payments effortlessly while managing your cash flow smoothly. Our merchant services are designed with your business's day-to-day operations in mind. From processing credit card transactions to providing insightful reporting, we equip you with the tools needed to thrive in a competitive market. If you're looking for flexible financing solutions, we also support the broader business community with $0 in non-member commercial loans. Whether you're just starting or ready to expand, Atomic has the resources and expertise to help your business flourish. Visit us at 920 E State St Athens Oh 45701, Athens, OH, or call us at (740) 249-2924 to learn more about how we can assist you today!

Tailored Financing Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $536 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $63,225,324, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you own a business, we've got you covered too! Our business banking services, including merchant services and business loans, are crafted to support local entrepreneurs in growing their ventures.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking solutions. Manage your accounts from anywhere with just a few taps on your smartphone or through our user-friendly website. Features like ATM access for cash withdrawals and balance checks mean you can take care of finances on the go without hassle.

Credit Cards and Rewards

We understand that every purchase counts. That's why our credit cards come with rewards that allow you to earn while you spend. Whether it's cashback or travel points, our credit card options can enhance your shopping experience.

Drive-Thru and ATM Services

For quick transactions, our basic drive-thru banking allows you to handle deposits, withdrawals, and other simple transactions without leaving your car. Our ATMs are conveniently located for easy access to cash when you need it. At Atomic, we strive to create an environment where all members feel valued and supported in their financial journeys. We invite you to explore all that we offer and see how we can assist you in reaching your goals. Ready to get started? Visit us today at 920 E State St, Athens, OH 45701, or check out our website at Atomic Credit Union for more information about opening an account or applying for a loan. Your financial success is just a step away!

Personal Banking Solutions

Our personal banking services are designed to make your life easier. We offer checking and savings accounts that fit various lifestyles, ensuring that managing your money is straightforward and convenient. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Need a home? Our mortgage loans and refinancing options help turn your dream of homeownership into reality. Additionally, if you're facing financial challenges, our personal loans and debt consolidation services can provide the support you need.

Digital & Online Banking

Key Features

Our online banking service offers 24/7 access to your accounts, giving you the flexibility to check balances, transfer funds, and pay bills at your convenience. Say goodbye to long waits and hello to real-time account management. You can also enjoy electronic statements, which help you keep track of your finances while reducing paper clutter. Plus, with electronic signature authorization, signing documents has never been easier just a quick click is all it takes! For those on the go, our mobile application brings all these features right to your fingertips. Need to send money to a friend? Our person-to-person transfers make it simple and fast. You can even make payments using your smartphone with our mobile payments feature perfect for those spontaneous purchases.

Security and Ease of Use

At Atomic, we prioritize your security without compromising on ease of use. Our platform employs advanced security measures so you can bank confidently. Whether you're using your computer or mobile device, accessing your accounts is straightforward and safe. No matter where life takes you, our digital banking services ensure that managing your finances remains easy and accessible. Dive into a world where banking fits around your life visit us today at https://www.atomiccu.com/!

Financial Strength

At Atomic, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's ever-changing economic environment, knowing that your financial institution is strong can provide peace of mind. Our financial health is reflected in our impressive net worth of $57,051,592, which allows us to offer competitive rates, low fees, and a wide array of member services. This solid foundation ensures that we can support your financial needs, whether you're saving for a dream vacation or financing a new vehicle. Our net worth ratio of 8.41% further demonstrates our commitment to maintaining a robust capital base. This means you can rely on us to provide loans, competitive savings rates, and uninterrupted service even during challenging economic times. We prioritize our members' savings by securing them through $247,941,667 in share certificates and $42,061,227 in money market shares. These options not only keep your funds safe but also promote stable growth opportunities for your investments. Unlike traditional banks, we focus on benefiting our members first. With non-member deposits at $16,162,580, we ensure that our resources are dedicated to serving you better through improved loan rates and exclusive perks designed just for our members. With $47,551,220 in undivided earnings, we continually reinvest in our services. This enables us to enhance banking tools, strengthen lending options, and improve security measures all aimed at providing you with the best possible experience. Our lending capacity is significant, as shown by our $10,443 in used auto loans and a total of $607,302,041 across various loans and leases. We are here to help you achieve your financial goals, whatever they may be. Our operational efficiency shines through with a net income of $1,607,707, allowing us to continue offering great products tailored for our members' needs. Additionally, we are proud of our dedicated workforce; with 232 full-time employees and 39 part-time employees, our team is always ready to assist you with knowledgeable service. Currently, we have net shares amounting to $2,072,955, indicating funds readily available for lending and investment opportunities that benefit you. The trust placed in us by our growing member base is reflected in the 124,792 share and deposit accounts we manage. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Atomic is your trusted partner. Visit us at 920 E State St Athens Oh 45701 or call (740) 249-2924 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have issued over $20,886 in total auto loans, which includes $18,374,4801 in used vehicle loans and $9,204,5844 in new vehicle loans already helping members get on the road. Whether you need financing for a new or used vehicle, we can guide you through the process to find a solution that fits your budget.

Business Loans

For business owners seeking capital for growth and expansion, our outstanding commercial loans totaling $63,225,324 provide the funding necessary to take your business to the next level. At Atomic Credit Union in Athens, we're here to help you every step of the way. If you're interested in refinancing or want to learn more about eligibility options for any of our loan products, please don't hesitate to reach out. You can contact us at 740-249-2924 for more information. 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 how our loan offerings can support your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $16,784,133, we aim to provide affordable financing solutions for those looking to settle into their dream homes.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $9,570,238 in unsecured credit card loans helping members manage their finances effectively, our credit cards come with features that cater to your spending needs while ensuring you stay within your budget.

Loan Aggregator

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ATOMIC CREDIT UNION - Athens, OH

Type of Loan Offerings

Personal Loans

Student Loans

Vehicle Loans

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Loan rates in Athens, OH (45701)