Atomic Credit Union Lancaster OH | Best Auto Loans & Business Banking

Introduction

Welcome to Atomic Credit Union - Lancaster Branch, where your financial well-being is our top priority. Located at 1355 Ety Rd Nw, Lancaster, OH 43130, we've been proudly serving our community since 1955. With a strong commitment to our members, we currently boast a membership of over 79,329 individuals who trust us with their financial needs. At Atomic, we understand that navigating the world of finance can be daunting. That's why our dedicated team, led by CEO Thomas Griffiths and Board President Billy Spencer, is here to guide you every step of the way. With 271 employees ready to assist you, we aim to provide personalized service and build lasting relationships within our community. As of now, we have total assets amounting to an impressive $730,413,772, ensuring that your deposits currently totaling $62,285,362 are safe and secure. We take pride in offering a variety of services including auto loans, mortgage options, personal loans, and business banking solutions designed to meet your unique needs. While members can visit us at our branch address for all their banking needs, 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 about our services or to contact us directly at 740-675-6716. Join us today and discover how Atomic Credit Union can help you achieve your financial goals! Whether you're looking for loans or simply want a trusted place for your savings, we're here for you. Don't hesitate stop by or give us a call today!

Branch History & Mission

Atomic Credit Union has a rich legacy that began in 1955 in Lancaster, OH. With over six decades of dedicated service to the community, we have grown from a small local financial institution into a trusted partner for nearly 80,000 members. Our total assets now stand at an impressive $730,413,772, reflecting our commitment to providing exceptional financial services. Located at 1355 Ety Rd NW, Lancaster, OH 43130, our branch is easily accessible and close to several local landmarks. Whether you are stopping by for personal banking or seeking assistance with loans and credit cards, our friendly staff is here to help. For official correspondence, please note that our mailing address is 711 Beaver Creek Rd, Piketon, OH 45661. At Atomic Credit Union, our mission is clear: we strive to empower our members through quality financial services while fostering community growth and support. We believe in putting people before profits and are dedicated to offering a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our goal is to make banking accessible and beneficial for everyone in the Lancaster area. We understand the importance of adapting to modern needs. That's why we offer online and mobile banking options alongside traditional services like ATM access and drive-thru banking. Our commitment extends beyond just transactions; it includes ensuring that our facilities comply with ADA standards so everyone can enjoy equal access to our services. Community involvement is at the heart of what we do. We actively participate in outreach programs aimed at supporting local initiatives and partnerships that enhance the well-being of our members and neighbors alike. As you explore your financial options, consider joining Atomic Credit Union. Experience firsthand how we blend tradition with innovation to meet your needs. Visit us during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 6:00 PM, and Saturday from 8:30 AM to 1:00 PM. Together, let's build a brighter financial future! For more information or assistance, feel free to contact us at 740-675-6716 or check out our website at www.atomiccu.com. Join us today!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated near local favorites like the Lancaster City Park and just a short drive from downtown, our branch is easy to find. Parking is readily available, ensuring you have a hassle-free experience when you visit us. We are proud to be ADA compliant, with ramps and accessible entrances so that everyone in our community can bank comfortably.

Operating Hours

Our doors are open to serve you 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, giving our team time to recharge so they can assist you better during the week.

Services Offered

At Atomic Credit Union - Lancaster Branch, we offer a wide array of services tailored for both personal and business banking. From checking and savings accounts to auto loans and credit cards with rewards, we strive to provide all the tools you need for financial success. If you're in need of quick cash or simple transactions, our drive-thru service is available for your convenience.

Stay Connected

If you have any questions or would like more information about our offerings, feel free to give us a call at 740-675-6716. While members can visit us at 1355 Ety Rd NW, official correspondence should be sent to our mailing address at 711 Beaver Creek Rd in Piketon, OH. We invite you to stop by and discover how Atomic Credit Union can help you achieve your financial goals!

Member Eligibility

At Atomic, we believe that everyone deserves a chance to be part of a supportive community. Joining us is easy! If you live, work, worship, or attend school in the Lancaster area, you're likely eligible to become a member. We welcome individuals and families alike, ensuring that our services cater to your needs. Becoming a member not only opens the door to various financial products and services but also connects you with a community that cares about your financial well-being. To learn more about the specific eligibility criteria, feel free to check out our detailed information at https://online.flippingbook.com/view/292452319/ . Once you confirm your eligibility, opening an account is just as straightforward. You can start the process online through this link: https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad4dlqdzsqgz4jsyvuuozflkkkdz_ehamc-0cwk1blzfipcwvteo5pjvlp_vaaitq6tuyvby-eu0ho4vci9riucszurcvvuev2h9_axcswdl7 , or if you prefer to speak with someone directly, give us a call at (740) 675-6716. Our friendly team is here to help guide you every step of the way at our branch located at 1355 Ety Rd Nw Lancaster Oh 43130. We can't wait to welcome you into the Atomic family!

Business Banking & Commercial Services

Lending 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.

Merchant Services

But we don't stop at loans. Our merchant services provide practical benefits that help streamline your daily operations. Imagine being able to accept payments easily, manage transactions online, and keep track of your finances without the usual headaches. Our services allow you to focus on what matters most growing your business. Visit us at 1355 Ety Rd Nw Lancaster Oh 43130 in Lancaster, OH or give us a call at (740) 675-6716 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Drive-Thru Services

For those who prefer face-to-face transactions or quick cash access, we have ATM and cash withdrawal services available at our branch. You can also take advantage of our basic drive-thru banking services for deposits, withdrawals, and simple transactions without leaving your vehicle. With all these services conveniently located at Atomic, we're here to help meet your financial needs. If you have any questions or would like more information on how we can assist you, feel free to reach out at (740) 675-6716. Join us today and experience personalized service tailored just for you!

Business Banking

If you're a business owner, Atomic has tailored solutions just for you. Our business banking services include merchant services and business loans designed to help grow your enterprise efficiently. We recognize that running a business comes with its own set of challenges, and we aim to support local entrepreneurs as they thrive.

Digital Banking Convenience

We understand that convenience is key in today's fast-paced world. That's why we offer robust online and mobile banking options that let you manage your finances from anywhere at any time. Whether it's paying bills or transferring money between accounts, our digital tools make banking easier than ever.

Home Financing

Thinking about purchasing a home? Our mortgage loans and refinancing options can assist you in finding the right solution that fits your budget. We understand that buying a home is one of the most significant decisions you'll make, and our team is here to guide you through every step of the process.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts designed to help you save and manage your money effectively. Our accounts come with features that fit your lifestyle, making it simple to keep track of your finances. If you're in the market for a new vehicle, consider our auto loans and vehicle financing options. We provide competitive rates and flexible terms to ensure you can drive away in the car you want without breaking the bank.

Personal Loans & Credit Cards

For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services can provide the financial relief you need. Plus, don't forget about our credit cards with rewards! They not only help with everyday purchases but also allow you to earn points toward exciting rewards.

Digital & Online Banking

Convenient Online Services

With our 24/7 online banking services, you can check your account balance, transfer funds, and pay bills anytime, anywhere. Whether you're at home or on the go, you have real-time access to your accounts right at your fingertips. Plus, our mobile application makes it even simpler to manage your finances with just a few taps on your smartphone.

Effortless Payments and Transfers

Need to send money to a friend? Our person-to-person transfers feature allows you to easily send funds directly from your account with just a few clicks. If you prefer making purchases with ease, take advantage of our mobile payments option it's fast, secure, and incredibly convenient! At Atomic, we strive to provide accessible solutions that fit into your busy lifestyle. Experience the future of banking today by visiting us at https://www.atomiccu.com/ and take control of your financial journey!

Secure Transactions

Safety is our priority. We provide electronic signature authorization for added security during transactions. You can rest easy knowing that your sensitive information is protected while using our services. Additionally, e-statements are available to help you keep track of your financial activity without the hassle of paper clutter.

Financial Strength

Conclusion

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 1355 Ety Rd Nw Lancaster Oh 43130 or call (740) 675-6716 to learn more about how we can help you achieve your financial goals.

Member Savings and Investment Opportunities

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. 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 Solid Foundation

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. This foundation supports our operations and enables us to respond effectively to the needs of our members. 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.

Supporting Your Financial Goals

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. Additionally, our impressive $3,554,844 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 232 full-time employees and 39 part-time employees dedicated to serving you with knowledge and commitment. Our total share accounts stand at 124,792, showcasing a strong and growing member base that trusts us with their finances.

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. We provide financing options for both new and used vehicles, making it easy for you to drive away with confidence.

Credit Lines and Unsecured Credit Cards

For those looking for additional flexibility, our total credit lines amount to $112,438,623, ensuring you have access to funds when you need them most. We also offer flexible terms on unsecured credit card loans, with a total of $9,570,238 in loans helping members manage their finances effectively. These products can help you handle unexpected expenses or make larger purchases without added stress.

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 offer competitive rates and various programs tailored to suit different financial situations. If you're considering refinancing your existing mortgage, we have options available that could save you money.

Support for Businesses

For business owners, our outstanding commercial loans totaling $63,225,324 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment or inventory, our team is here to assist you every step of the way. At Atomic, we pride ourselves on being more than just a lender; we're your financial partner. Our expert team is available at (740) 675-6716 to answer any questions you may have about eligibility or refinancing options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Stop by our branch located at 1355 Ety Rd Nw Lancaster Oh 43130 in Lancaster, OH, or visit us online at https://www.atomiccu.com/ to learn more about how we can assist you today!

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ATOMIC CREDIT UNION - Lancaster, OH