Credit union · NCUA insured
Atomic Credit Union Savings Rates
Top CarrotAtomic Credit Union’s best savings rate is 0.01% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Atomic Credit Union’s savings 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
0.01%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $1
Regular Savings
Top rate
First State Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $300
2nd-highest rate
Desco Federal Credit Union
2.28%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $228
Atomic Credit Union savings score
60
Savings score
Higher than 0% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.01%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ohio Homebuyers Plus
7.18%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $20,000Tier I rate | 7.18% | $718 | Tier I rate |
| Over $20,000Tier II rate | 5.40% | — | Tier II rate |
Sources (1)
- atomiccu.com/resource-center/helpful-information/rates · captured Sep 17, 2026
Regular Savings
0.01%APY
Open with just $5. Competitive dividends paid quarterly. No minimum balance fee with $50+ in account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo minimum balance fee with $50+ in your account.$5 and up | 0.01% | $1 | No minimum balance fee with $50+ in your account. |
Special-purpose accounts
Youth Accounts (Ages 0 - 19)
0.30%APY
For ages 0 to 19. No monthly fees, no minimum deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo monthly fees. No minimum deposit to open (start with as little as a penny); $5.00 minimum balance for stated share rate.$5 and up | 0.30% | $30 | No monthly fees. No minimum deposit to open (start with as little as a penny); $5.00 minimum balance for stated share rate. |
Sources (2)
All captured Sep 17, 2026
Health Savings Account
0.10%APY
Must be enrolled in an HSA-eligible high-deductible health plan (HDHP), not covered by another health plan, not enrolled in Medicare, and not claimed as a dependent.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fees.Any balance | 0.10% | $10 | No monthly maintenance fees. |
IRA Savings
0.10%APY
Traditional and Roth IRAs available. Annual contribution limit up to $7,000 ($8,000 if over age 50).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Club Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- atomiccu.com/resource-center/helpful-information/rates · captured Sep 17, 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.