Certificates

Let your savings work for you
Start strong with just a $1,000 minimum deposit and choose a term from 3 to 60 months
Enjoy competitive, fixed rates with dividends paid monthly and watch your savings grow over time
Quick tip to boost your savings

Open multiple Certificates of Deposit that mature at different times to keep cash available every few months.

Lock in a competitive rate for a high-yield, low-maintenance savings option & grow your money with confidence

Looking to grow your savings? Our Certificates offer some of our highest dividend rates when you leave your money untouched for the full term. With fixed rates, you can easily project your earnings and choose terms that fit your goals—faster growth than a standard savings account.


  • Maximize earnings by keeping funds in the Certificate for its full term
  • Cash out at maturity or renew for continued growth
  • IRA certificates available with $1,000 minimum deposit
  • Penalties apply for early withdrawals
  • Grow your money with confidence and plan for the future

Atomic Credit Union offers a variety of savings accounts based on your needs. Open an account online or by visiting a branch in Southeast Ohio.

Rest easy knowing your money is safe!

Deposits are federally insured by the NCUA up to $250,000 — and Atomic goes above and beyond by purchasing an additional $500,000 in coverage through ESI, giving you peace of mind with $750,000 in total protection.

Committed to your goals

We're dedicated to providing the products and resources necessary to help you reach your financial aspirations.

Tools to help you grow your savings

Savings Goal Calculator
Calculate the magic savings number

Get the key you need to meet your financial goals.

Learn how to build an emergency fund

Get financial tips and advice. 

Bank easier, anytime you wish

Access online and mobile banking services.

Security Resources
Explore fraud prevention tips

Keep your personal information secure. 

4-Month Certificate
as high as
4.00%
APY
10-Month Certificate Special
as high as
3.80%
APY
18-Month Certificate
as high as
3.75%
APY
36-Month Certificate
as high as
3.50%
APY