Credit union · NCUA insured
Atomic Credit Union CD Rates
Top CarrotAtomic Credit Union’s best CD rate is 4.45% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Atomic Credit Union’s CD rates compare
Compared with banks and credit unions near Portsmouth, OH, where Atomic Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Atomic Credit Union
4.45%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $910
Certificates
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
3rd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Atomic Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo4.45%
- QualifiedQualified4.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Atomic Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.45%APY · 8 terms
Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 4.00% | $198 |
| 12 months | 4.25% | $425 |
| 18 months | 4.35% | $660 |
| 24 months | 4.45% | $910 |
| 36 months | 4.45% | $1,395 |
| 48 months | 4.45% | $1,902 |
| 60 months | 4.45% | $2,432 |
Sources (2)
- atomiccu.com/resource-center/helpful-information/rates
- atomiccu.com/personal/accounts…gs-accounts/certificates
All captured Oct 16, 2026
Who can join Atomic Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.