Credit union · NCUA insured
Atomic Credit Union
Top CarrotA $847.9M credit union headquartered in Piketon, OH, with 87,892 members and 18 branches in Ohio. Best rates: CDs 4.45% and savings 0.01% APY.
Atomic Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#1 of 6 in Portsmouth, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Atomic Credit Union
Founded in 1955, Atomic Credit Union originally served employees and retirees of the Atomic Plant site.
It expanded by acquiring Southern Ohio Savings Credit Union in the 1990s and Scioto County Federal Employees Credit Union in 2024.
Operating 18 branch locations across Southeastern Ohio, the credit union provides personal and business banking including agricultural lending.
- Headquarters
- 711 Beaver Creek Rd, Piketon, OH 45661
- NCUA charter
- 63532
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This may be incomplete or out of date, so check with the credit union before you apply.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 was extended to anyone who lives, works, or worships in Adams, Brown, Gallia, Highland, Lawrence, Pike, and Scioto counties.
Cost to join
- Opening a Membership Savings Account requires $5 to start and gain access to membership.
Branches
18 branches in Ohio
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Ohio
18 branches
Portsmouth area · 4
- Lucasville Branch75 Jackson St., Lucasville, OH 45648Directions
- Minford Branch8935 State Rte 335, Minford, OH 45653Directions
- Portsmouth2741 Scioto Trl, Portsmouth, OH 45662Directions
- Wheelersburg7700 Ohio River Rd, Wheelersburg, OH 45694Directions
Columbus area · 3
- Circleville130 Crites Rd, Circleville, OH 43113Directions
- Lancaster Branch1355 Ety Rd NW, Lancaster, OH 43130Directions
- Logan680 W Hunter St, Logan, OH 43138Directions
Chillicothe area · 2
- Chillicothe Bridge St1326 N Bridge St, Chillicothe, OH 45601Directions
- Chillicothe Western Ave.1285 Western Ave, Chillicothe, OH 45601Directions
Piketon area · 1
- Atomic Credit Union Corporate OfficeMain office711 Beaver Creek Rd, Piketon, OH 45661Directions
Athens area · 1
- Athens State Street920 E State St, Athens, OH 45701Directions
Beaver area · 1
- Beaver5751 Beaver Pike, Beaver, OH 45613Directions
Hillsboro area · 1
- Hillsboro583 Harry Sauner Rd, Hillsboro, OH 45133Directions
Jackson area · 1
- Jackson498 McCarty Ln, Jackson, OH 45640Directions
Oak Hill area · 1
- Oak Hill107 Jackson St, Oak Hill, OH 45656Directions
Washington Court House area · 1
- Washington Court House1501 Columbus Ave, Washington Court House, OH 43160Directions
Waverly area · 1
- Waverly190 Waverly Plz, Waverly, OH 45690Directions
Wellston area · 1
- Wellston Downtown109 N Ohio Ave, Wellston, OH 45692Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.57% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.24% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.87% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $92 | $76 | — |
- CapitalNet worth ratio8.57%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.24%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.87%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$92Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Atomic Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.