Atomic Credit Union Washington Court House OH | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Atomic Credit Union, your trusted financial partner located at 1501 Columbus Ave, Washington Court House, OH 43160. Since our establishment in 1955, we have been dedicated to serving our community with a wide range of financial services tailored to meet the unique needs of our members. With a total membership of over 79,329, we pride ourselves on fostering strong relationships and providing personalized support. At Atomic Credit Union, we manage assets totaling an impressive $730,413,772, ensuring that your funds are safe and sound. Our commitment to our members is reflected in our robust offerings, including various loans over 29,320 loans and leases to date and deposits exceeding $62,285,362. These figures demonstrate not just our stability but also our ability to empower you in achieving your financial goals. Led by our CEO, Thomas Griffiths, and Board President, Billy Spencer, our team of 271 dedicated employees is here to assist you every step of the way. We understand that banking is more than just numbers; it's about community and trust. This is why we focus on providing excellent customer service along with competitive rates on products like auto loans, mortgages, and credit cards. While members can visit us at our branch location for all their banking needs, please note that official correspondence should be sent to our mailing address at 711 Beaver Creek Rd, Piketon, OH 45661. Explore the benefits of being part of Atomic Credit Union today! For more information or assistance, don't hesitate to reach out at 740-313-8452 or visit us online at Atomic Credit Union. We're excited to help you navigate your financial journey!

Branch History & Mission

Community Commitment

Atomic's mission goes beyond just providing banking services. We actively engage with our community through various outreach programs and partnerships aimed at enhancing the lives of those around us. We support local initiatives and encourage our members to participate in events that strengthen community ties. While members can visit us at 1501 Columbus Ave, official correspondence should be sent to our mailing address at 711 Beaver Creek Rd, Piketon, OH 45661 if it differs from your visit location. Our drive-thru service adds another layer of convenience for basic transactions like deposits and withdrawals.

Embracing Innovation

In today's fast-paced world, we understand the importance of technology in delivering top-notch customer service. That's why we offer online banking options and mobile payments to make managing finances easier for you. Our digital platforms are designed with user-friendliness in mind while also being compliant with ADA standards. As we look forward to the future, Atomic Credit Union remains dedicated to empowering our members financially while making a positive impact on the communities we serve. If you're ready to experience personalized service and become part of a vibrant community-focused credit union, join us today at Atomic Credit Union! Your journey towards better financial health starts here. For more information or assistance, feel free to contact us at 740-313-8452 or visit our website at Atomic Credit Union.

Branch Location & Accessibility

Accessibility Features

We are committed to making our services available to everyone. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure all members can visit us comfortably. Whether you're here for personal banking or just stopping by to inquire about our services, you'll find our staff ready to assist you.

Operating Hours

At Atomic Credit Union, we understand that your time is valuable. That's why we offer flexible operating hours designed to accommodate your busy schedule. We are open Monday through Thursday from 8:30 AM to 5:00 PM, with extended hours on Friday until 6:00 PM. On Saturdays, we welcome you from 8:30 AM to 1:00 PM. Please note that we are closed on Sundays.

Services Offered

Our branch provides a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we have options for everyone. Need cash? Our ATM is readily available for withdrawals and balance checks. Plus, enjoy the convenience of basic drive-thru banking for quick transactions like deposits and withdrawals. Whether you're a long-time member or new to Atomic Credit Union, we invite you to come visit us at our Washington Court House location or give us a call at 740-313-8452. Our friendly team is eager to help you with all your banking needs!

Member Eligibility

At Atomic, we believe that everyone deserves a chance to be part of a supportive community that truly cares about your financial well-being. Joining us is simple! If you live, work, or worship in Fayette County, or have an immediate family member who is already a member, you're eligible to open an account with us. This means you'll gain access to a range of benefits designed to help you thrive financially, from competitive loan rates to personalized service. For more detailed information on eligibility criteria, feel free to check out our dedicated page at https://online.flippingbook.com/view/292452319/ . Ready to take the next step? Opening an account is just as easy as becoming a member! You can start the process online by visiting 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 reach out at (740) 313-8452. We're here for you every step of the way!

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

Beyond loans, we also provide merchant services that make daily operations smoother. Picture a local retail shop processing payments effortlessly while managing inventory with ease. Our solutions allow you to focus on what matters most serving your customers and growing your business. Visit us at 1501 Columbus Ave Washington Court House Oh 43160 in Washington Court House, OH or call us at (740) 313-8452 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Accessibility

Our branch also offers basic drive-thru banking for deposits, withdrawals, and other simple transactions, ensuring that you're never far from your money when you need it. With all these options at your fingertips, banking with us is designed to be straightforward and user-friendly. If you're ready to experience these great services firsthand or have any questions about how we can assist you financially, don't hesitate to reach out! Call us at 740-313-8452 or visit our website at Atomic Credit Union for more information. We're here to help!

Business Banking

For entrepreneurs and small businesses, we offer specialized solutions through our business banking services. This includes merchant services that allow businesses to accept payments easily and efficiently, as well as business loans designed to help you grow your company.

Digital Banking Features

We know convenience is key in today's fast-paced world. That's why we offer robust online and mobile banking features that let you manage your accounts anytime, anywhere. You can check balances, transfer funds, and even make payments right from your smartphone or computer. For those times when you need cash quickly, our ATM services are available for withdrawals and balance checks.

Personal Banking

For individuals and families, we offer various personal banking services including checking and savings accounts that help you manage your everyday expenses and save for future goals. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. We also provide mortgage loans and refinancing to help you secure your dream home or adjust your existing mortgage to better fit your budget. Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play, offering you a lifeline when you need it most. Plus, with our credit cards featuring rewards, you can earn benefits while making everyday purchases.

Digital & Online Banking

Key Services

With our online banking services available 24/7 at https://www.atomiccu.com/ , you can access your accounts, check balances, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, managing your money has never been easier. Plus, with our mobile application, you'll have all these features right at your fingertips. We also offer electronic signature authorization to make signing documents simple and secure. No more printing or mailing forms just sign digitally and get back to what matters most. For those who prefer a paperless approach, e-statements are readily available, allowing you to view your account statements online instead of waiting for them in the mail.

Security and Flexibility

Security is a top priority at Atomic. Our digital banking features are equipped with advanced security measures to protect your information while giving you peace of mind. With mobile payments enabled, making purchases from your phone is not only quick but also secure. Need to send money to a friend or family member? Our person-to-person transfer feature allows you to send money instantly without any fuss. It's just one more way we strive to make banking convenient for you. In summary, whether it's accessing your accounts on our website or using our mobile app, Atomic ensures that managing your finances is straightforward and secure. Join us today and experience the ease of modern banking!

Financial Strength

A 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. 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.

Commitment to Growth

Our $47,551,220 in undivided earnings reflect our commitment to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $10,443 in used auto loans and $607,302,041 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Together

Total Share Accounts stand at 124,792, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,072,955 a testament to the trust placed in us by our members. 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 1501 Columbus Ave Washington Court House Oh 43160 or call (740) 313-8452 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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 Excellence

Our operational efficiency is highlighted by our impressive $3,554,844, 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.

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 considering financing a new or used vehicle, our team is here to assist you every step of the way. We also provide refinancing options if you're looking to lower your monthly payments or improve your loan terms.

Business Financing

For business owners looking for capital to grow or expand their ventures, our outstanding commercial loans total $63,225,324. This financing option can be crucial for purchasing equipment or managing operational costs. At Atomic Credit Union, we are committed to providing personalized service and competitive rates across all our loan products. If you're interested in learning more about eligibility options or starting an application process for any of these loans, please don't hesitate to reach out at 740-313-8452. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to support your financial needs today!

Credit Lines and Unsecured Loans

For those seeking flexibility in managing their finances, we provide credit lines totaling $112,438,623, as well as unsecured credit card loans amounting to $9,570,238. These options allow members to access funds when needed without the hassle of collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We offer Junior Lien 1-4 Family Residential Properties loans totaling $16,784,133. Our mortgage experts can help guide you through eligibility requirements and assist with the application process, ensuring you have all the information needed to make informed decisions.

Loan Aggregator

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ATOMIC CREDIT UNION