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iAdvertiser Disclosure
Advertiser Disclosure
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 ACU Athol Credit Union Rates & Review March 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: March 25, 2026
ACU Athol Credit Union's 9 Month CD IRA rates are at 3.61%, 6 Month CD IRA rates are at 3.61%, 10 Month CD IRA rates are at 3.51%, 12 Month CD IRA rates are at 3.46%, 4 Month CD IRA rates are at 3.03%. ACU Athol Credit Union's savings rates are at 0.05%. ACU Athol Credit Union's money market rates are at 0.75%. ACU Athol Credit Union's 30 Year Adjustable Rate Mortgages rates are at 5.87%, 15 Year Fixed Rate Mortgages rates are at 6.12%, 20 Year Fixed Rate Mortgages rates are at 6.50%, 30 Year Fixed Rate Construction to Permanent rates are at 6.62%, 30 Year Fixed Rate Mortgages rates are at 6.62%. ACU Athol Credit Union's Personal Loan Rates are at 10.24%. MonitorBankRates evaluates the financial stability of ACU Athol Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.75%. Rates were last updated on 03/25/2026. ACU Athol 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 ACU Athol Credit Union? Share your experience about ACU Athol Credit Union by leaving a review below, or read customer reviews before you decide to use ACU Athol Credit Union. 
ACU Athol Credit Union CD Rates
ACU Athol Credit Union Savings Rates
ACU Athol Credit Union Money Market Rates
ACU Athol Credit Union Checking Rates
ACU Athol Credit Union Mortgage Rates
ACU Athol Credit Union Home Equity & HELOC
ACU Athol Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for ACU Athol 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 ACU Athol 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 ACU Athol Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
ACU Athol Credit Union
Website
https://www.atholcreditunion.com
Address
513 Main St,
Athol, MA 01331 1825
Phone
978-249-3527
Fax
978-249-3448
President
Lisa Carey
CEO
Luis Cisneros
Full-Time Employees
23
Part-Time Employees
2
Branch Locations
1
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.75%
Return on Assets (ROA)
0.0443%
Return on Equity (ROE)
0.4876%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
94,419,386
Total Amount of Shares and Deposits
75,699,737
Total Shares and Deposits < 1 Year
74,639,949
Total Shares and Deposits 1 3 Years
1,016,069
Total Shares and Deposits > 3 Years
43,719
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,618,426
Total Uninsured Shares and Deposits > $250K (F+J)
7,618,426
Total Insured Shares and Deposits > $250K (item 17 less item K)
68,081,311
Total Interest Expense (Sum of items 6 8)
1,383,788
Share Certificates
718
Number of Accounts for Share Drafts
2,611
IRA KEOGH Accounts
199
Number of Accounts for Regular Shares
4,864
Money Market Shares
96
Net Income (unless the amount is already included in Undivided Earnings)
6,868
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,606,861
Total Liabilities
86,106,147
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ACU Athol Credit UnionIs ACU Athol Credit Union a safe place to deposit money?Yes, ACU Athol Credit Union is considered a safe financial institution. With a Texas Ratio of 4.7528462116103%, 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 ACU Athol Credit Union operate?ACU Athol 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 ACU Athol Credit Union?Yes, to access services at ACU Athol 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, ACU Athol 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, ACU Athol Credit Union provides members with tools to manage their accounts and build a solid financial history. Does ACU Athol Credit Union offer online and mobile banking?Most modern institutions like ACU Athol 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://www.atholcreditunion.com. Current ACU Athol Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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