Atomic Credit Union Wheelersburg OH | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Atomic Credit Union - Wheelersburg, where community and financial growth go hand in hand. Nestled at 7700 Ohio River Rd, Wheelersburg, OH 45694, we have proudly served our members since 1955. With a total membership of 79,329 individuals, our credit union is committed to providing personalized services tailored to your unique financial needs. At Atomic Credit Union, we understand that your financial journey is important. That's why we offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions. As of now, our total assets stand at an impressive $730,413,772, with total deposits reaching $62,285,362. Our robust portfolio also includes over 29,320 loans and leases, reflecting our dedication to helping you achieve your financial goals. Our leadership team is here for you! Under the guidance of CEO Thomas Griffiths and Board President Billy Spencer, we aim to create a welcoming environment where everyone feels valued and supported. With a team of 271 dedicated employees ready to assist you, we ensure that your experience with us is smooth and rewarding. While members can visit us at our branch for all their banking needs, official correspondence should be sent to 711 Beaver Creek Rd, Piketon, OH 45661. Our doors are open Monday through Friday from 8:30 AM to 6:00 PM and Saturday from 8:30 AM to 1:00 PM. Join us on this exciting journey towards financial empowerment. Whether you're looking for a new loan or just need advice on managing your savings better, we're here to help! Feel free to reach out by calling us at 740-250-2020 or visit our website at Atomic Credit Union for more information. Let's build a brighter financial future together!

Branch History & Mission

Join Us Today!

With dedicated operating hours from Monday to Saturday 8:30 AM to 5:00 PM on weekdays and 8:30 AM to 1:00 PM on Saturdays our doors are always open for you. Plus, with ATM availability on-site, accessing your funds is convenient. Join us today and experience the benefits of being part of a community-focused credit union that puts you first. Together, let's build a brighter financial future! For more information or inquiries, feel free to call us at 740-250-2020 or visit our website at Atomic Credit Union.

Our Journey

From our first day of operation, we have focused on empowering our members through accessible financial services. Located at 7700 Ohio River Rd, Wheelersburg, OH 45694, near the scenic Ohio River, we aim to be more than just a credit union; we are your neighbors and friends who understand your unique needs. As we evolved, we embraced innovation while maintaining our core values. We introduced digital banking solutions like online and mobile banking to make managing your finances easier than ever. Our commitment to ADA compliance ensures that all members can access our services comfortably and confidently.

Our Mission

At Atomic Credit Union, our mission is clear: to enhance the financial well-being of our members and the communities we serve. We strive to provide comprehensive financial products including personal banking accounts, auto loans, mortgages, and business services that truly meet the needs of every individual and organization. Our dedication goes beyond just banking; we actively participate in community outreach initiatives. We believe in supporting local events and organizations that make Wheelersburg a better place for everyone. Whether it's through sponsorships or volunteer work, we are committed to giving back. While you can visit us at 7700 Ohio River Rd, official correspondence should be sent to 711 Beaver Creek Rd, Piketon, OH 45661 if needed.

Branch Location & Accessibility

Comprehensive Services

Our branch isn't just about transactions; it's about building relationships and providing services that meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we're here to help you every step of the way. Plus, if you're looking for business banking solutions, we offer merchant services and business loans tailored for entrepreneurs. While members can visit us at 7700 Ohio River Rd for all their banking needs, official correspondence should be sent to our mailing address at 711 Beaver Creek Rd, Piketon, OH 45661. We invite you to stop by Atomic Credit Union - Wheelersburg today! Let us show you how easy and rewarding banking can be. Your financial journey starts here!

Convenient Access

At Atomic Credit Union, we prioritize accessibility for all our members. Our branch features ample parking spaces and is compliant with ADA standards, ensuring that everyone can easily access our services. For those who prefer a more digital approach, we also offer ATM services right on-site for quick cash withdrawals and balance checks.

Friendly Operating Hours

We understand that life can get busy! That's why our lobby is open Monday through Thursday from 8:30 AM to 5:00 PM, extending to 6:00 PM on Fridays and from 8:30 AM to 1:00 PM on Saturdays. Unfortunately, we are closed on Sundays. Feel free to call us at 740-250-2020 if you have any questions or need assistance outside of these hours.

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 live, work, worship, or attend school in the area around 7700 Ohio River Rd Wheelersburg Oh 45694, you're likely eligible to join us. Our goal is to offer financial services that empower our members, and joining is just the first step toward accessing those benefits. To learn more about specific eligibility criteria, feel free to check out the detailed information at https://online.flippingbook.com/view/292452319/ . Once you're ready to take the next step, opening an account is simple! Just visit our account opening page at https://app.consumer.meridianlink.com/apply.aspx ?enc=kw21wblm1yxpjjabdozad4dlqdzsqgz4jsyvuuozflkkkdz_ehamc-0cwk1blzfipcwvteo5pjvlp_vaaitq6tuyvby-eu0ho4vci9riucszurcvvuev2h9_axcswdl7 or give us a call at (740) 250-2020 for assistance. We can't wait to welcome you into the Atomic family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner that streamlines your payment processes, allowing you to focus on what you do best running your business. Our merchant services make transactions easy and secure, enhancing customer satisfaction while improving your cash flow. Visit us at 7700 Ohio River Rd Wheelersburg Oh 45694 in Wheelersburg, OH, or call us at (740) 250-2020 to discover how we can assist your business in reaching its full potential!

Tailored Loan 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

ATM & Cash Withdrawal Services

Accessing cash has never been easier with our ATM services. You can enjoy basic ATM access for withdrawals and balance checks whenever you need it. Plus, our ATMs are conveniently located for easy access throughout Wheelersburg. We invite you to explore all these wonderful services at Atomic located at 7700 Ohio River Rd Wheelersburg Oh 45694. For any questions or assistance, feel free to give us a call at (740) 250-2020. Join us today and experience how we can help simplify your financial journey!

Auto Loans & Vehicle Financing

Need a new ride? Our auto loans and vehicle financing options are designed to get you behind the wheel without stress. We offer competitive rates and flexible terms that fit your budget. Picture driving off in your dream car with manageable monthly payments that won't break the bank.

Business Banking

For our entrepreneurial members, we provide business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to help your business thrive with the right financial tools.

Credit Cards with Rewards

Don't forget about our credit card offerings! With rewards programs designed to benefit everyday purchases, you can earn points or cash back just by using your card for things you already buy. It's an easy way to get more out of your spending while building credit at the same time.

Mortgage Loans & Refinancing

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans provide affordable options for first-time homebuyers and seasoned homeowners alike. We understand that purchasing a home is one of the biggest decisions you'll ever make, and we're here to support you every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. You can manage your accounts, pay bills, transfer funds, and even deposit checks right from your smartphone or computer all from the comfort of home or on the go.

Personal Banking

Our personal banking services include checking and savings accounts that make managing your money simple and convenient. Imagine having a checking account that not only helps you keep track of your spending but also comes with features designed to enhance your financial health. With competitive interest rates on savings accounts, you can watch your money grow over time.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans offer quick solutions with straightforward terms. This could mean lowering your monthly payments and simplifying your financial commitments, giving you peace of mind.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking platform offers 24/7 access to your accounts, giving you real-time control over your finances. You can easily view account statements, manage transactions, and track spending all from the comfort of your home or on the go. With the ability to set up electronic signature authorization, signing documents is quick and secure, making processes like loan applications hassle-free. E-statements are available, so you can opt for paperless statements and keep your records organized without clutter. Plus, if you're always on the move, our mobile application makes it easy to manage your accounts right from your smartphone. Enjoy features like mobile payments for quick checkouts and person-to-person transfers to send money effortlessly to friends and family.

Security and Ease of Use

We prioritize your security while ensuring that our services remain user-friendly. You can rest assured that every transaction is protected with advanced security measures. Navigating through our online banking portal or mobile app is intuitive, making it simple even for those who may not be tech-savvy. At Atomic, we believe that managing your finances should be straightforward and accessible. Explore all these features today by visiting https://www.atomiccu.com/ and discover how we can help simplify your banking experience!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 124,792, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $2,072,955, showcasing our capacity to provide the best possible service to all of our valued 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 7700 Ohio River Rd Wheelersburg Oh 45694 or call (740) 250-2020 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 members' financial goals across various sectors with $10,443 in used auto loans and $607,302,041 in total loans and leases.

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 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.

Strong 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.

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 tailored to fit your budget, whether you're purchasing a brand-new vehicle or a reliable used one.

Business Financing

For business owners, our outstanding commercial loans totaling $63,225,324 provide the capital needed to grow and expand. We understand that every business has unique needs, and we're here to help tailor a solution that fits yours. We encourage you to explore our refinancing options if you're looking to lower your monthly payments or access cash from your home equity. For eligibility details and application processes, visit us online or give us a call at (740) 250-2020. 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 us help you take the next step toward your financial future!

Credit Cards and Personal Loans

Managing day-to-day expenses can be challenging. That's why 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. Our personal loan options give you the freedom to consolidate debt or cover unexpected expenses without breaking the bank.

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 through every step of the process to ensure you find the right loan for your needs.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what users see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results that reflect the best available options. - Real-Time Rate Comparisons: Users benefit from access to up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. 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 kind of feedback highlights how effective the platform can be in securing better loan terms for borrowers. Ready to find the best loan rates? Compare real-time loan offers today at LendMesh and discover options tailored to 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.

Ensuring Accurate Loan 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 rigorous sourcing ensures that users receive fair and transparent offers. By connecting with legitimate financial institutions, LendMesh guarantees that all loan comparisons are reliable and up-to-date.

ATOMIC CREDIT UNION - Wheelersburg, OH