FAQs

To become a member of Atomic Credit Union, you must live, work, or worship in one of our 19 chartered counties.

Depending on the school, student volunteers in the program are typically 4th and 5th graders.

Students can apply through their school to become volunteer workers in the Student-Run Credit Union Program.

There is no age requirement to become a member of our Student-Run Credit Union Program! Apply for a youth account today.

This unique program features a full-service Atomic Credit Union branch located inside the school. Managed by students under the guidance of an Atomic employee, the student-run credit unions provide hands-on experience in operating a financial institution. Student volunteers perform a variety of roles, learning the responsibilities of each position within a branch. Beyond teaching valuable skills to student employees, the program offers all students practical lessons in saving and personal finance.

Account applications are available at each Student-Run Credit Union branch and can be submitted there directly. Additionally, accounts can be opened at any Atomic Credit Union branch or online. Students under 16 must provide a parent or guardian’s valid identification and Social Security number. If the student is already a member of Atomic Credit Union, opening a new account is not required.

Becoming a member of Atomic Credit Union is easy—just open a savings account at any of our branch locations or online.

Visit atomiccu.com and click the login icon. Then select “New User Registration.” To get started, you’ll need a few key pieces of information:

For personal accounts: account number, Social Security number (SSN), and date of birth.

For business accounts: account number, Employer Identification Number (EIN) or Tax Identification Number (TIN), and business zip code.

At Atomic, we’re passionate about giving back to the communities we serve. To submit a donation or sponsorship request, simply complete our request form here.

Atomic Credit Union has 18 convenient branch locations ready to serve you. You can view all our locations here.

If your application is submitted during operating hours and all required information is provided, you can expect a same-day response. Applications received after hours will be reviewed, and you can expect a reply on the next business day.

Atomic Credit Union is member-owned, meaning your financial well-being is our top priority—not shareholders. We offer lower fees and better rates compared to traditional banks, helping you keep more of your money. With a strong local focus, we understand and serve the unique needs of our community. Plus, our personalized service ensures you receive attentive, friendly support every step of the way.

Unlike banks, which are typically for-profit institutions serving shareholders, credit unions exist solely to serve their members. This fundamental difference shapes everything we do. At its core, a credit union is a not-for-profit financial cooperative that is owned and operated by its members.

Yes! All of our branches offer notary services. Every Atomic Credit Union loan officer is an authorized notary public.

No, our notary services are free and available to the public.

No, all our branches operate on a first-come, first-served basis.

Yes! However, notary services are available by appointment only and exclusively for our members.

Atomic Credit Union’s routing number is 244281193.

Atomic Credit Union will never ask for your username, password, or verification code via text, email, or phone call. If you receive a message from someone claiming to be Atomic Credit Union, do not click any links. Please contact us immediately.

How to Spot Fraud Early and Protect Your Finances

• Watch for urgency or pressure. Fraudsters use urgency or threats to rush you. Take your time and verify before acting.
• Verify the source. Don’t click links or share info from unexpected calls, emails, or texts. Contact the company directly using official contact details.
• Check for suspicious details. Look out for spelling mistakes, unusual email addresses, or requests for sensitive info like your Social Security number or PIN.
• Never share sensitive info. Legitimate companies will never ask for your full password, PIN, or one-time codes via phone, email, or text.
• Review your accounts regularly. Monitor your account activity and report any unauthorized transactions immediately.
• Trust your instincts. If something feels off, pause and ask for help—it’s better to be safe.

Atomic Credit Union offers a variety of digital banking features. To learn how to use them, check out our How-To playlist on YouTube!

Redeeming rewards from your Visa Platinum Credit Card is easy. Simply log in to your CURewards portal here.

Use your credit line for home renovations, college expenses, and more—with unlimited access whenever you need it.