What Is a Credit Union?
At its core, a credit union is a not-for-profit financial cooperative owned and operated by its members. That means when you join a credit union, you're not just a customer—you’re a member-owner.
How Credit Unions Differ from Banks
While banks are typically for-profit institutions that serve shareholders, credit unions exist to serve their members. That distinction influences everything we do.
Here’s how credit unions stand apart:
- Member Ownership: As a member of Atomic Credit Union, you're more than a number.
- Lower Fees & Better Rates: Because we don’t have to answer to outside shareholders, we return our profits to members in the form of lower loan rates, higher savings dividends, and fewer fees.
- Local Focus: Credit unions are deeply embedded in the communities they serve. At Atomic, we’re proud to support local community initiatives.
- Personalized Service: We know our members by name. Our team is here to help you succeed—whether that means helping you buy your first car or navigate life's unexpected moments. When you bank with Atomic, you’re banking with people who care
Why It Matters
In today’s world, it’s easy to feel like just another number. But at Atomic Credit Union, you’re part of a community. Your voice matters, your goals matter, and your success matters.
We're here for you—with the tools, people, and support you need to build a brighter financial future.
Interested in becoming a member?
Visit one of our 18 convenient branch locations or apply online today. Experience the difference of a financial institution that puts people first—because at Atomic Credit Union, you matter most.