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Athens Area Credit Union

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Athens Area Credit Union Rates & Review June 2026

Q: How many branches does Athens Area Credit Union operate?

Athens Area Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Athens Area Credit Union?

Yes, to access services at Athens Area Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Athens Area Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 19, 2026

You can compare Athens Area Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.17%, 6-month share certificate rates at 3.07% and 3-month share certificate rates at 3.80%. Savings rates are at 0.15% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.53%. All these rates can be compared to Athens Area Credit Union rates. MonitorBankRates evaluates the financial stability of Athens Area Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.81%. Rates were last updated on 06/19/2026.

Athens Area Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Athens Area Credit Union? Share your experience about Athens Area Credit Union by leaving a review below, or read customer reviews before you decide to use Athens Area Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.81%

Excellent Lower than avg

Athens Area Credit Union
ATHENS AREA CREDIT UNION

112 ALFRED ST
ATHENS, WI 54411

https://athensareacu.com

Current Rate Availability

We do not have Athens Area Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Athens Area Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Athens Area Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Athens Area Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Athens Area Credit Union

Website https://athensareacu.com

Address 112 ALFRED ST, ATHENS, WI 54411

Phone 715-257-9337

Fax 715-257-9910

President CHARLES KORNACK

CEO VALERIE MURRAY

Full-Time Employees 8

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.81%

Return on Assets (ROA)

1.1180%

Return on Equity (ROE)

8.6623%

Non-Performing Loans Ratio (NPL)

0.67%

Total Assets

47,980,060

Total Amount of Shares and Deposits

41,482,832

Total Shares and Deposits < 1 Year

40,498,124

Total Shares and Deposits 1 3 Years

549,234

Total Shares and Deposits > 3 Years

435,474

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,233,904

Total Uninsured Shares and Deposits > $250K (F+J)

1,233,904

Total Insured Shares and Deposits > $250K (item 17 less item K)

40,248,928

Total Interest Expense (Sum of items 6 8)

217,387

Share Certificates

219

Number of Accounts for Share Drafts

2,034

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,459

Net Income (unless the amount is already included in Undivided Earnings)

536,419

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,908,971

Total Liabilities

41,811,831

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Athens Area Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Athens Area Credit Union

Frequently Asked Questions About Athens Area Credit Union

How many branches does Athens Area Credit Union operate?

Athens Area Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Athens Area Credit Union?

Yes, to access services at Athens Area Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Athens Area Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Athens Area Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Athens Area Credit Union offer online and mobile banking?

Most modern institutions like Athens Area Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://athensareacu.com.