Credit union · NCUA insured
Athol Credit Union
A $97.3M credit union headquartered in Athol, MA, with 6,279 members and 1 branch in Massachusetts. Best rates: CDs 3.61% and savings 0.75% APY.
Athol Credit Union Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#27 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Athol Credit Union
Athol Credit Union is a member-owned institution that serves Franklin, Hampshire, and Worcester Counties.
The credit union focuses on supporting the social and economic well-being of the North Quabbin region.
- Headquarters
- 513 Main St, Athol, MA 01331-1825
- NCUA charter
- 66819
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals in Franklin, Hampshire, and Worcester Counties.
Branches
1 branch in Massachusetts
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Massachusetts
1 branch
- Main OfficeMain office513 Main St, Athol, MA 01331Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.61% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.20% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.30% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $112 | $59 | — |
- CapitalNet worth ratio8.61%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.20%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.30%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$112Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Athol Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.