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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.
 Atrium 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
Atrium Credit Union's 12 Month CD rates are at 3.75%, 48 Month CD rates are at 3.75%, 60 Month CD rates are at 3.75%, IRA 12 Month CD rates are at 3.75%, IRA 48 Month CD rates are at 3.75%. Atrium Credit Union's savings rates are at 0.03%. Atrium Credit Union's money market rates are at 0.50%. Atrium Credit Union's Personal Loan Rates are at 10.29%. MonitorBankRates evaluates the financial stability of Atrium Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.39%. Rates were last updated on 03/25/2026. Atrium 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 Atrium Credit Union? Share your experience about Atrium Credit Union by leaving a review below, or read customer reviews before you decide to use Atrium Credit Union. Atrium Credit Union
ATRIUM CREDIT UNION 6051 Market Ave Ste C
https://www.atrium4u.org Middletown, OH 45005 5239 
Atrium Credit Union CD Rates
Atrium Credit Union Savings Rates
Atrium Credit Union Money Market Rates
Atrium Credit Union Checking Rates
Atrium Credit Union Home Equity & HELOC
Atrium Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Atrium 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 Atrium 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 Atrium Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Atrium Credit Union
Website
https://www.atrium4u.org
Address
6051 Market Ave Ste C,
Middletown, OH 45005 5239
Phone
513-974-5179
Fax
513-974-5078
President
Amy Newland
CEO
CYNTHIA COTTONGIM
Full-Time Employees
3
Part-Time Employees
3
Branch Locations
1
ATM Locations
1
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
1.39%
Return on Assets (ROA)
0.1457%
Return on Equity (ROE)
1.3841%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
11,132,241
Total Amount of Shares and Deposits
9,871,011
Total Shares and Deposits < 1 Year
9,704,009
Total Shares and Deposits 1 3 Years
167,001
Total Insured Shares and Deposits > $250K (item 17 less item K)
9,871,011
Total Interest Expense (Sum of items 6 8)
1,757
Share Certificates
47
Number of Accounts for Share Drafts
606
Number of Accounts for Regular Shares
1,349
Net Income (unless the amount is already included in Undivided Earnings)
16,221
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
955,437
Total Liabilities
9,960,310
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About Atrium Credit UnionIs Atrium Credit Union a safe place to deposit money?Yes, Atrium Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3863444178881%, 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 Atrium Credit Union operate?Atrium 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 Atrium Credit Union?Yes, to access services at Atrium 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, Atrium 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, Atrium Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Atrium Credit Union offer online and mobile banking?Most modern institutions like Atrium 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.atrium4u.org. Current Atrium Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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