Atomic Credit Union Wellston OH | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Atomic Credit Union - Wellston Downtown, your trusted partner in financial wellness since 1955! Located at 109 N Ohio Ave, Wellston, OH 45692, we are proud to serve a vibrant community with over 79,000 members who rely on us for their banking needs. Our commitment to you goes beyond just numbers; we strive to create meaningful connections that empower our members to achieve their financial goals. At Atomic Credit Union, we understand that your financial journey is unique. With total assets of $730,413,772 and total deposits reaching $62,285,362, our strong financial foundation allows us to offer a wide range of services tailored just for you. Whether you're interested in auto loans, mortgage financing, or everyday checking and savings accounts, we have the tools and expertise to help you succeed. Our dedicated team of 271 employees, led by CEO Thomas Griffiths and Board President Billy Spencer, works tirelessly to ensure that you receive the best possible service. We also take pride in our community impact our efforts have resulted in significant loans totaling 29,320 to support local businesses and families alike. While members can visit us at our branch location for personal assistance or use our convenient online services at atomiccu.com, official correspondence should be sent to our mailing address at 711 Beaver Creek Rd, Piketon, OH 45661. We invite you to explore all that Atomic Credit Union has to offer. Call us today at 800-652-2328 or stop by during our lobby hours: Monday through Thursday from 8:30 AM to 5 PM, Friday from 8:30 AM to 6 PM, and Saturday from 8:30 AM to 1 PM. Join us in building a brighter financial future together!

Branch History & Mission

At Atomic Credit Union, we take pride in our rich history and unwavering commitment to the community of Wellston, Ohio. Established in 1955, our branch has been a cornerstone of financial support for families and businesses alike. Located at 109 N Ohio Ave, Wellston, OH 45692, we are conveniently situated near local landmarks that make us easily accessible to our members. Over the years, Atomic has evolved from a small credit union into a robust institution with over 79,329 members and total assets reaching an impressive $730,413,772. This growth reflects not only our dedication to providing top-notch financial services but also our deep-rooted connection to the community we serve. Our headquarters in Piketon, OH continues to guide our mission as we strive to improve the financial well-being of every member. Our mission at Atomic Credit Union is straightforward yet impactful: to deliver reliable financial solutions while fostering a strong sense of community. We understand that each member's needs are unique, and we offer a variety of services ranging from personal banking such as checking and savings accounts to auto loans, mortgages, and business banking options. Our focus is not just on transactions; we aim to build lasting relationships with those who trust us with their financial future. While members can visit us at 109 N Ohio Ave, official correspondence should be sent to 711 Beaver Creek Rd, Piketon, OH 45661. In addition to our physical presence, we have embraced modern technology by offering online and mobile banking services. This means you can manage your finances anytime and anywhere, ensuring convenience alongside our friendly service. At Atomic Credit Union, we believe in giving back to the community that has supported us throughout the decades. We actively engage in various outreach initiatives that promote financial literacy and local development. Our partnerships with schools and organizations help empower individuals with the knowledge they need to make informed financial decisions. We invite you to experience what makes Atomic Credit Union special. With operating hours designed for your convenience Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday until 1 PM you'll find it easy to connect with us. Plus, our drive-thru banking and ATM availability ensure you have access when you need it most. Join us at Atomic Credit Union today! Discover how we can help you achieve your financial goals while being part of a caring community dedicated to your success. Call us at 800-652-2328 or visit our website at atomiccu.com for more information on how to become a member or open an account. Your journey towards better financial health begins here!

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about our services, don't hesitate to give us a call at 800-652-2328. We invite you to stop by Atomic Credit Union - Wellston Downtown today and discover how we can help you achieve your financial goals!

Getting Here

Parking is plentiful and hassle-free, ensuring you can pop in without any stress. We have made it a priority to provide accessible features for all our members, including ADA compliance and ramps to accommodate everyone. While members can visit us at 109 N Ohio Ave, official correspondence should be sent to our mailing address at 711 Beaver Creek Rd, Piketon, OH 45661.

Operating Hours

At Atomic Credit Union, we understand that banking needs can arise at any time. That's why our lobby hours are designed to fit your busy schedule. We're open Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday mornings until 1 PM. Feel free to drop by during these hours for any of your banking needs!

Services Offered

We offer a wide range of services to help you manage your finances better. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're looking for business solutions, we provide merchant services and business loans too! Plus, with an ATM available on-site and drive-thru banking for quick transactions, we're here to make your banking experience as smooth as possible.

Member Eligibility

At Atomic, we believe that everyone deserves access to a supportive financial community. Joining us is straightforward and welcoming! If you live, work, worship, or attend school in the Wellston area or have a family member who does, you're already eligible to become a member of our credit union. We value each person who walks through our doors and are dedicated to providing personalized services that cater to your unique financial needs. To start your journey with us, simply check out the detailed eligibility requirements at https://online.flippingbook.com/view/292452319/ . Once you're ready, opening an account is just a few clicks away through our easy online application process available here: https://app.consumer.meridianlink.com/apply.aspx?enc=kw21wblm1yxpjjabdozad4dlqdzsqgz4jsyvuuozflkkkdz_ehamc-0cwk1blzfipcwvteo5pjvlp_vaaitq6tuyvby-eu0ho4vci9riucszurcvvuev2h9_axcswdl7 . If you have any questions or need assistance, feel free to reach out to us at (800) 652-2328. We're excited to welcome you to the Atomic family at 109 N Ohio Ave Wellston Oh 45692!

Business Banking & Commercial Services

Business Loan Options

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. This funding has empowered local entrepreneurs to invest in their dreams, hire more employees, and enhance their offerings. - With an outstanding commercial loan portfolio of $63,225,324, we continue to drive economic growth by financing new and expanding businesses. Each loan represents a step toward innovation and progress in our community.

Merchant Services

In addition to loans, we offer tailored merchant services that simplify payment processing for your business. Imagine being able to accept payments easily from customers on-the-go or online. Our merchant solutions provide you with the tools to manage transactions effortlessly, ensuring you can focus on what matters most growing your business. Visit us at 109 N Ohio Ave Wellston Oh 45692 in Wellston, OH or call us at (800) 652-2328 to discover how we can help your business thrive!

Comprehensive List Of Services

Convenient Banking Anytime, Anywhere

In today's fast-paced world, convenience is key. With online and mobile banking available at your fingertips, managing your accounts has never been easier. You can check balances, transfer funds, and even set up bill payments from the comfort of your home or on the go. Our commitment to serving our members goes beyond traditional banking hours; we also offer flexible operating hours that fit your schedule. Visit us at 109 N Ohio Ave Wellston Oh 45692 or give us a call at (800) 652-2328 during our business hours Monday through Friday from 8:30 AM to 5 PM (with extended hours until 6 PM on Fridays) and Saturday mornings until 1 PM.

Empowering Local Businesses

At Atomic, we recognize the importance of supporting local businesses. Our business banking services include merchant services and business loans tailored to help entrepreneurs thrive. We believe that when local businesses succeed, our entire community flourishes.

Join Us Today!

We invite you to experience the friendly service and comprehensive offerings at Atomic in Wellston, OH. Whether you're opening a new account or exploring loan options, we're here to help simplify your financial journey. For more information about our services or to get started today, visit us online at Atomic Credit Union - Wellston Downtown. Let's build a brighter financial future together!

Personal Banking Made Easy

For individuals seeking straightforward banking solutions, Atomic offers a variety of personal banking options. Our checking and savings accounts are designed to help you manage your daily finances effortlessly. Imagine having the flexibility to access your funds anytime through our user-friendly online and mobile banking platforms. Plus, with features like ATM access for cash withdrawals and basic drive-thru services for deposits and simple transactions, you can bank on your terms. When it comes to financing your dreams, we provide competitive auto loans and vehicle financing options. Picture yourself driving away in a new car without the stress of complicated loan processes. If buying a home is on your agenda, our mortgage loans and refinancing services are here to guide you toward making informed decisions.

Solutions for Every Financial Need

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. Whether you need funds for an emergency or want to simplify multiple debts into one manageable payment, we've got you covered. If you're looking for credit options that reward you for your spending, consider our credit cards with rewards. These cards not only offer convenience but also provide benefits that make everyday purchases more rewarding.

Digital & Online Banking

E-Statements and Mobile Features

Stay organized with e-statements that provide you with instant access to your financial records without the paper waste. Not only do these help you keep track of your spending, but they also add an extra layer of security by minimizing the risk of sensitive information being lost in the mail. For those who prefer mobile banking, our user-friendly mobile application lets you manage your accounts from anywhere. Need to send money to a friend? With our person-to-person transfer feature, it's as easy as a few taps on your screen. Additionally, if you're a fan of mobile payments, we've got you covered! Enjoy the ease of making purchases directly from your phone.

Secure and Accessible Banking

Security is at the forefront of everything we do at Atomic. Our online banking services are fortified with advanced security measures so you can feel safe while managing your finances. We believe that banking should be both easy and secure. Join us today at Atomic and discover how our digital and online banking services can enhance your banking experience. Whether it's opening an account or simply needing assistance with our features, our friendly team is always here to help. For more information, visit us at https://www.atomiccu.com/ or give us a call at (800) 652-2328. Your financial journey is important to us!

Financial Strength

Commitment to Innovation

Our commitment to innovation is backed by $47,551,220 in undivided earnings, which allows us 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 Member Base

Total Share and Deposit Accounts: 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. 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 109 N Ohio Ave Wellston Oh 45692 or call (800) 652-2328 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $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.

Secure Savings Options

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.

Strong Capital 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.

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 purchasing a new or used vehicle, we can assist you in getting the financing you need.

Business Financing

For business owners, our outstanding commercial loans totaling $63,225,324 provide the capital needed to grow and expand your business. We understand the challenges businesses face and are here to support your financial journey.

Credit Lines

Our total credit lines amount to $112,438,623, giving you access to funds when you need them most. This flexibility can be vital for managing unexpected expenses or planning for future investments.

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 work with you to find a plan that fits your budget and lifestyle.

Refinancing Options

If you're looking to refinance any existing loans or explore eligibility options for our products, our team is ready to assist. We aim to make the process as smooth as possible so that you can focus on what matters most your financial success. For more information about our loan offerings or to start an application today, feel free to contact us at 800-652-2328. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let Atomic be your partner in achieving your financial aspirations!

Unsecured Credit Card Loans

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 cards come with various benefits that can help you keep track of your spending while enjoying rewards on purchases.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are viewing credible options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. This commitment to neutrality helps users discover the best loan options without external influence. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh empowers users to make informed decisions quickly. The platform's efficiency means you can find competitive rates at your convenience. 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!" This testimonial highlights the value of using a reliable tool like LendMesh for navigating the complex world of loans. 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