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 Athens Area Credit Union Rates & Review October 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.
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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 and Verified: October 9, 2026
Athens Area Credit Union's top rates as of October 9, 2026 are 2.90% APY on its 48 Month CD, 0.50% APY on savings, 0.25% APY on checking, 4.50% on its 1st Mortgage Residential Real Estate Loans, personal loans from 12.00% APR, and credit cards from 13.90% APR, according to rates verified by MonitorBankRates. Other Athens Area Credit Union CD rates include 36 Month CD at 2.80%, 24 Month CD at 2.70%, and 12 Month CD at 2.45%. Other Athens Area Credit Union mortgage rates include 1st Mortgage Residential Real Estate Loans at 4.75%, and 1st Mortgage Residential Real Estate Loans at 5.00%. 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 1.61%. Rates last updated and verified on 10/09/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Auto Loan Rates
Athens Area Credit Union RV, Boat and Powersport Loan Rates
Athens Area Credit Union Credit Card Rates
Athens Area Credit Union Personal Loan Rates
Athens Area Credit Union Other Rates
Financial Health HistoryAthens Area Credit Union’s Texas Ratio fell from 2.69% in Q3 2023 to 1.61% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
3
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
1.61%
Return on Assets (ROA)
0.6232%
Return on Equity (ROE)
4.6682%
Non-Performing Loans Ratio (NPL)
0.63%
Total Assets
49,881,499
Total Amount of Shares and Deposits
42,935,576
Total Shares and Deposits < 1 Year
41,647,931
Total Shares and Deposits 1 3 Years
1,043,238
Total Shares and Deposits > 3 Years
244,407
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,207,373
Total Uninsured Shares and Deposits > $250K (F+J)
1,207,373
Total Insured Shares and Deposits > $250K (item 17 less item K)
41,728,203
Total Interest Expense (Sum of items 6 8)
180,616
Share Certificates
246
Number of Accounts for Share Drafts
2,052
IRA KEOGH Accounts
93
Number of Accounts for Regular Shares
3,471
Net Income (unless the amount is already included in Undivided Earnings)
310,870
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,452,848
Total Liabilities
43,222,134
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Athens Area Credit UnionHow 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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