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 Athens Area Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
Athens Area Credit Union's 48-Month CD rates are at 2.90%, IRA 48-Month CD rates are at 2.90%, 36-Month CD rates are at 2.80%, IRA 36-Month CD rates are at 2.80%, 24-Month CD rates are at 2.70%. Athens Area Credit Union's savings rates are at 0.50%. Athens Area Credit Union's Personal Loan Rates are at 12.00%. MonitorBankRates evaluates the financial stability of Athens Area Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.85%. Rates were last updated on 04/08/2026. Athens Area Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Athens Area Credit Union? Share your experience about Athens Area Credit Union by leaving a review below, or read customer reviews before you decide to use Athens Area Credit Union. Athens Area Credit Union
ATHENS AREA CREDIT UNION 112 ALFRED ST
https://athensareacu.com ATHENS, WI 54411 
Athens Area Credit Union CD Rates
Athens Area Credit Union Savings Rates
Athens Area Credit Union Checking Rates
Athens Area Credit Union Mortgage Rates
Athens Area Credit Union Credit Card Rates
Athens Area Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Athens Area Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Athens Area Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Athens Area Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Athens Area Credit Union
Website
https://athensareacu.com
Address
112 ALFRED ST,
ATHENS, WI 54411
Phone
715-257-9337
Fax
715-257-9910
President
CHARLES KORNACK
CEO
VALERIE MURRAY
Full-Time Employees
8
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.85%
Return on Assets (ROA)
1.1180%
Return on Equity (ROE)
8.6623%
Non-Performing Loans Ratio (NPL)
0.67%
Total Assets
47,980,060
Total Amount of Shares and Deposits
41,482,832
Total Shares and Deposits < 1 Year
40,498,124
Total Shares and Deposits 1 3 Years
549,234
Total Shares and Deposits > 3 Years
435,474
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,233,904
Total Uninsured Shares and Deposits > $250K (F+J)
1,233,904
Total Insured Shares and Deposits > $250K (item 17 less item K)
40,248,928
Total Interest Expense (Sum of items 6 8)
217,387
Share Certificates
219
Number of Accounts for Share Drafts
2,034
IRA KEOGH Accounts
91
Number of Accounts for Regular Shares
3,459
Net Income (unless the amount is already included in Undivided Earnings)
536,419
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,908,971
Total Liabilities
41,811,831
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Athens Area Credit UnionIs Athens Area Credit Union a safe place to deposit money?Yes, Athens Area Credit Union is considered a safe financial institution. With a Texas Ratio of 1.8488114714191%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Athens Area Credit Union operate?Athens Area Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Athens Area Credit Union?Yes, to access services at Athens Area Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Athens Area Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Athens Area Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Athens Area Credit Union offer online and mobile banking?Most modern institutions like Athens Area Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://athensareacu.com. Current Athens Area Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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