Atomic Credit Union Chillicothe OH | Affordable Auto Loans & Checking Accounts

Introduction

Welcome to Atomic Credit Union - Chillicothe Bridge St, where our commitment to community and financial empowerment is at the heart of everything we do. Established in 1955, our branch located at 1326 N Bridge St, Chillicothe, OH 45601 has proudly served our members for decades. With a total membership of 79,329, we strive to create lasting relationships that help individuals and families achieve their financial goals. At Atomic Credit Union, we believe in offering more than just banking services; we provide solutions tailored to meet the unique needs of our members. Our total assets stand strong at an impressive $730,413,772, reflecting our stability and dedication to providing reliable financial services. Whether you're interested in personal banking, auto loans, mortgages, or business financing, we've got you covered with a comprehensive range of offerings. Our team is led by CEO Thomas Griffiths and Board President Billy Spencer, who are passionate about fostering a supportive environment for both staff and members alike. With 271 employees ready to assist you, we ensure that your experience with us is seamless and enriching. While members can visit us at 1326 N Bridge St, official correspondence should be sent to our mailing address: 711 Beaver Creek Rd, Piketon, OH 45661. We invite you to explore our website at atomiccu.com for more information on how we can support your financial journey. Join us today and discover why so many in the Chillicothe area trust Atomic Credit Union for their financial needs. Call us at 800-652-2328 or stop by during our operating hours: Monday through Friday from 8:30 AM to 6:00 PM, Saturday from 8:30 AM to 4:00 PM, and Sunday from 10:00 AM to 2:00 PM. We look forward to welcoming you into our community!

Branch History & Mission

Community Impact

We pride ourselves on being more than just a credit union; we're an integral part of the Chillicothe community. Our outreach efforts include various initiatives aimed at enhancing financial literacy and providing support during challenging times. We know that together we can create lasting change. As technology advances, so do we. With ADA-compliant facilities and digital banking options available around the clock, we ensure that all members can access their accounts easily and securely. Join us at Atomic Credit Union today! Experience firsthand how we blend exceptional service with a passion for community support. Together, let's build a brighter financial future! For any inquiries or assistance, feel free to reach out at 800-652-2328 or visit us online at Atomic Credit Union.

Our Mission

At Atomic Credit Union, our mission is clear: we are dedicated to providing exceptional financial services tailored to meet the unique needs of our members while fostering a supportive environment that encourages community engagement. We strive not only to help individuals achieve their personal financial goals through products like checking and savings accounts, auto loans, and credit cards but also to uplift our community through outreach programs and partnerships with local organizations. Our operating hours are designed with your convenience in mind: Monday through Friday from 8:30 AM to 6:00 PM, Saturday from 8:30 AM to 4:00 PM, and Sunday from 10:00 AM to 2:00 PM. Whether you're looking for quick banking solutions at our drive-thru or need assistance with online services including mobile banking and e-statements our team is here to assist you every step of the way.

Branch Location & Accessibility

Connect With Us!

If you have questions or need assistance, don't hesitate to call us at 800-652-2328. We're excited to help you on your financial journey! Come visit us at Atomic Credit Union on Bridge St in Chillicothe today!

Nearby Landmarks and Accessibility

Located near key landmarks, such as the Ross County Fairgrounds and just a short drive from downtown Chillicothe, our branch is perfectly situated for your convenience. We take pride in ensuring that everyone can visit us easily. Our facility is ADA compliant and features ramps for easy access. Plus, we offer ample parking space so you can find a spot with ease.

Operating Hours and Services

At Atomic Credit Union, we understand that life gets busy. That's why we're here for you with extended hours throughout the week! Our lobby is open Monday through Friday from 8:30 AM to 6:00 PM, Saturday from 8:30 AM to 4:00 PM, and Sunday from 10:00 AM to 2:00 PM. Whether you need help with personal banking like checking accounts, auto loans, or mortgages or business banking services, we're ready to assist you. We also provide convenient ATM access and a drive-thru service for quick transactions like deposits and withdrawals. Our staff is dedicated to making your experience smooth and enjoyable.

Member Eligibility

Joining the Atomic community is like becoming part of a close-knit family where your financial well-being is our priority. To become a member, you just need to meet a few simple eligibility criteria. If you live, work, or worship in Ross County, Ohio, you're already on the right track! We believe that everyone deserves access to quality financial services, and we welcome individuals from all walks of life. For detailed eligibility information, feel free to explore our resource at https://online.flippingbook.com/view/292452319/ . Once you know you're eligible, opening an account is a breeze! You can start the process online or give us a call at (800) 652-2328 for any questions. At Atomic, we're dedicated to providing you with personalized banking solutions that cater to your needs. Our friendly team is here to support you every step of the way as you embark on this exciting journey with us. So why wait? Check out how easy it is to open an account by visiting https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad4dlqdzsqgz4jsyvuuozflkkkdz_ehamc-0cwk1blzfipcwvteo5pjvlp_vaaitq6tuyvby-eu0ho4vci9riucszurcvvuev2h9_axcswdl7 !

Business Banking & Commercial Services

Member Commercial Loans

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.

Merchant Services

In addition to loans, our merchant services make it easy for you to manage transactions efficiently. Whether you're accepting payments online or in-store, our tools are designed to streamline your operations and enhance customer satisfaction. Visit us at 1326 N Bridge St Chillicothe Oh 45601 in Chillicothe, OH, or call us at (800) 652-2328 to learn how we can partner with you on your business journey!

Non-Member Support

We also believe in fostering a strong local economy. For those outside our membership, we offer flexible financing solutions as well: - We support the broader business community with $0 in non-member commercial loans.

Outstanding Loan Portfolio

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're a business owner, you'll appreciate our robust Business Banking services. From Merchant Services that simplify payment processing to tailored Business Loans, we're committed to supporting your business growth. Our team is here to help you navigate your financing needs effectively.

Credit Cards with Rewards

For those who love to earn while they spend, our Credit Cards with Rewards program lets you enjoy benefits while making everyday purchases. It's an easy way to maximize your spending power and enjoy perks tailored just for you.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer comprehensive Online & Mobile Banking services. You can check balances, transfer funds, pay bills, and even send money through Person-to-Person payments, all from the comfort of your home or on-the-go. Additionally, our ATM and cash withdrawal services ensure that accessing your funds is quick and easy.

Drive-Thru & ATM Access

For those days when you need quick service without leaving your car, our basic drive-thru banking allows for deposits, withdrawals, and simple transactions efficiently. And with our ATM access available nearby, checking balances or withdrawing cash is never a hassle. At Atomic Credit Union in Chillicothe, we prioritize your financial well-being by providing services that cater to both personal and business needs. Have questions or want to learn more? Give us a call at 800-652-2328, or visit us online at Atomic Credit Union for more information about how we can support your financial journey today!

Personal Banking Solutions

Our personal banking options are designed with you in mind. Open a Checking or Savings Account to easily manage your finances. We understand that life can be unpredictable, so we also offer Personal Loans for those unexpected expenses or when you need a little extra help with Debt Consolidation. Plus, if you're dreaming of homeownership, our Mortgage Loans and Refinancing services can make that dream a reality.

Vehicle Financing

Thinking about purchasing a car? Our Auto Loans & Vehicle Financing options provide flexible terms and competitive rates to get you on the road without breaking the bank. Whether it's a new car or a reliable used vehicle, we're here to assist every step of the way.

Digital & Online Banking

Key Features

Our online banking services include electronic signature authorization, making it easier for you to sign documents securely from the comfort of your home. We also provide e-statements, allowing you to view and manage your account statements digitally saving paper while keeping everything organized and accessible. If you're always on the move, our mobile application is just what you need. It supports mobile payments, so you can make purchases right from your phone without needing cash or cards. And if you want to send money to friends or family quickly, our person-to-person transfers feature makes it simple and instant.

Security You Can Trust

At Atomic, we prioritize your security. Our online systems are equipped with robust security measures to protect your personal information and transactions. You can feel confident knowing that your financial data is safeguarded while enjoying the convenience of digital banking. Embrace the ease of real-time account management with Atomic's digital banking services. Whether it's accessing funds from anywhere or simplifying payments with a few taps on your smartphone, we're here to support your financial journey every step of the way!

Financial Strength

Continuous Investment in Growth

With $47,551,220 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 your financial goals across various sectors with $10,443 in used auto loans and $607,302,041 in total loans and leases.

Member Savings Secured

Members' savings are secured through $247,941,667 in share certificates and $42,061,227 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $16,162,580, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $3,554,844 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 232 full-time employees and 39 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $57,051,592, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $841 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built Through Transparency

Net Shares (Funds available for lending and investments): $2,072,955. Total Share and Deposit Accounts: 124,792, 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, Atomic is your trusted partner. Visit us at 1326 N Bridge St Chillicothe Oh 45601 or call (800) 652-2328 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $183,744,801 in used vehicle loans and $92,045,844 in new vehicle loans already helping members get on the road. Whether you're looking for a new vehicle or a reliable used one, our auto financing can make it easier for you to drive away happy.

Business Loans

For business owners, our outstanding commercial loans totaling $63,225,324 provide the capital needed to grow and expand. We understand the challenges of running a business and are committed to helping entrepreneurs succeed through tailored financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,784,133, make buying or refinancing simple. We provide personalized service to help you navigate the process smoothly, ensuring that homeownership is within your reach.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, ask about our refinancing options. We aim to make it easy for you to manage your existing debts while freeing up cash flow for other priorities. Our commitment is to provide exceptional service and competitive rates on all our loan products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today at 1326 N Bridge St Chillicothe Oh 45601 or call (800) 652-2328 to learn more about how we can assist you!

Unsecured Credit Card Loans

Managing your finances effectively is crucial, and that's why we also offer flexible terms on unsecured credit card loans. With a total of $9,570,238 in loans available, our credit cards come with rewards that can benefit your everyday spending while providing you with a safety net for unexpected expenses.

Loan Aggregator

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers. Each lender's information is carefully vetted to guarantee that it meets established criteria, allowing you to compare options confidently.

Key Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see and what you can expect. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. Real-Time Rate Comparisons: You get up-to-date loan rates from multiple institutions. This feature helps users make informed decisions without wasting time searching through countless websites. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of the platform in delivering valuable insights to consumers. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

ATOMIC CREDIT UNION