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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Atomic 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
Atomic Credit Union's 18-Month CD rates are at 3.55%, 36-Month CD rates are at 3.55%. MonitorBankRates evaluates the financial stability of Atomic Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.50%. Rates were last updated on 03/25/2026. Atomic 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 Atomic Credit Union? Share your experience about Atomic Credit Union by leaving a review below, or read customer reviews before you decide to use Atomic Credit Union. Atomic Credit Union
Atomic Credit Union Corporate Office 711 Beaver Creek Rd
https://www.atomiccu.com Piketon, OH 45661 
Atomic Credit Union CD Rates
Atomic Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Atomic 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 Atomic 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 Atomic Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Atomic Credit Union
Website
https://www.atomiccu.com
Address
711 Beaver Creek Rd,
Piketon, OH 45661
Phone
800-652-2328
Fax
740-289-5061
President
Billy Spencer
CEO
Thomas Griffiths
Full-Time Employees
257
Part-Time Employees
42
Branch Locations
18
ATM Locations
19
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
2.50%
Return on Assets (ROA)
0.6912%
Return on Equity (ROE)
8.3793%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
783,547,684
Total Amount of Shares and Deposits
712,324,914
Total Shares and Deposits < 1 Year
683,218,437
Total Shares and Deposits 1 3 Years
20,801,680
Total Shares and Deposits > 3 Years
8,304,797
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
67,286,723
Total Uninsured Shares and Deposits > $250K (F+J)
80,230,802
Total Insured Shares and Deposits > $250K (item 17 less item K)
632,094,112
Total Interest Expense (Sum of items 6 8)
9,439,529
Share Certificates
5,651
Number of Accounts for Share Drafts
125,915
IRA KEOGH Accounts
1,108
All other shares
704
Non Member Deposits
2
Money Market Shares
728
Net Income (unless the amount is already included in Undivided Earnings)
5,416,085
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
47,634,676
Total Liabilities
718,915,527
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Atomic Credit UnionIs Atomic Credit Union a safe place to deposit money?Yes, Atomic Credit Union is considered a safe financial institution. With a Texas Ratio of 2.5032874296072%, 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 Atomic Credit Union operate?Atomic 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 Atomic Credit Union?Yes, to access services at Atomic 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, Atomic 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, Atomic Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Atomic Credit Union offer online and mobile banking?Most modern institutions like Atomic 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.atomiccu.com. Current Atomic Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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