2024 Overview
General Credit Union Information
Atomic is an NCUA insured institution located in Piketon, OH. It was founded in 1955 and has approximately $635.93 millions in assets.
Who can join?
To be eligible you have to be related to someone who is already a member of Atomic or live, work or worship in one of the following 14 counties: Adams, Athens, Brown, Gallia, Highland, Hocking, Jackson, Lawrence, Meigs, Perry, Pike, Ross, Scioto or Vinton. Also, all family of current members are eligible.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 63532 |
| Date Established | 1955 |
| Assets | $635.93 million |
| Loans | $516.61 million |
| Deposits | $576.38 million |
| Capital | $53.50 million |
Field of Membership Restrictions
Membership is open to anyone who resides, works, or attends church in any of the following counties; Adams, Athens, Brown, Galla, Highland, Hocking, Jackson, Lawrence, Meigs, Perry, Pike, Ross, Scioto, and Vinton.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.06% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.06% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.16% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Atomic
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.710% | 6.625% | 0.88 | $2,806 | $2,049 | Learn More |
NMLS ID: 2059741 |
7.018% | 6.875% | 0.88 | $4,672 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Atomic
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Branches
Below are Atomic branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
ATOMIC is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Atomic Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Atomic. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Atomic | U.S. Average |
|---|---|
| 4.20% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Atomic had $2,258,188 in non-current loans and $85,073 in owned assets. To cover these potential losses it had $53,496,747 in net worth and $2,300,000 in loans loss reserves. That gives it a Texas Ratio of 4.20%.
Net Worth
| Atomic | U.S. Average |
|---|---|
| 8.86% | 13.62% |
Atomic FCU has a net worth of 8.86% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Atomic
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