What are the current interest rates at ACU Athol Credit Union?

Current rates for ACU Athol Credit Union include: 12-Month CD: 3.46%, 18-Month CD: 0.30%, 24-Month CD: 0.35%, 60-Month CD: 0.50%, Savings: 0.05%, MMA: 1.26%

MonitorBankRates

☰

Home›
Credit Unions›
ACU Athol Credit Union

iAdvertiser Disclosure

ACU Athol Credit Union Rates & Review October 2026

Q: How many branches does ACU Athol Credit Union operate?

ACU Athol 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 ACU Athol Credit Union?

Yes, to access services at ACU Athol 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: Is there a first-time homebuyer program?

Currently, ACU Athol 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ACU Athol 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 and Verified: October 13, 2026

ACU Athol Credit Union's top rates as of October 13, 2026 are 3.61% APY on its CD - 6 Month, 0.05% APY on savings, 1.26% APY on money market accounts, 1.75% APY on checking, and rv, boat and powersport loans from 10.99% APR, according to rates verified by MonitorBankRates. Other ACU Athol Credit Union CD rates include CD - 9 Month at 3.61%, CD - 10 Month at 3.50%, and CD - 12 Month at 3.46%. MonitorBankRates evaluates the financial stability of ACU Athol Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.96%. Rates last updated and verified on 10/13/2026.

ACU Athol 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 ACU Athol Credit Union? Share your experience about ACU Athol Credit Union by leaving a review below, or read customer reviews before you decide to use ACU Athol Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.96%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

ACU Athol Credit Union
Main Office

513 Main St
Athol, MA 01331-1825

https://www.atholcreditunion.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

ACU Athol Credit Union CD Rates

Product	Rate	APY	Term
CD - 6 Month	3.55%	3.608%	6 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 9 Month	3.55%	3.608%	9 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 10 Month	3.45%	3.505%	10 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 12 Month	3.40%	3.458%	12 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.46% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 4 Month	3.25%	3.298%	4 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 60 Month	0.50%	0.501%	60 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 36 Month	0.40%	0.401%	36 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 48 Month	0.40%	0.401%	48 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 24 Month	0.35%	0.351%	24 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 30 Month	0.35%	0.351%	30 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 15 Month	0.30%	0.30%	15 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 18 Month	0.30%	0.30%	18 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
CD - 14 Month	0.25%	0.25%	14 Month
Min Deposit $500 Min Balance $500 Details Maximum of $250,000 per member; must be an ACU member and maintain a $5 savings account; not available for IRAs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%

ACU Athol Credit Union Savings Rates

Product	Rate	APY	View More
Statement Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Annual Percentage Yield (APY) is subject to change without notice. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%

ACU Athol Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.25%	1.26%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Money Market	1.00%	1.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Money Market	0.90%	0.90%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Money Market	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Money Market	0.75%	0.75%
Min Balance $25 Details Balance: $25 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%

ACU Athol Credit Union Checking Rates

Product	Rate	APY	View More
Umbrella Checking	1.75%	1.75%
Min Deposit $100 Details Qualifications Required; Balance: 0 to $25,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 1.75% ▲ 1.65 pts · high 1.75% / low 0.10% Oct 13, 20261.75%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%

ACU Athol Credit Union Home Equity & HELOC

Product	Rate	Points	APR
20 Year Fixed Rate Home Equity Loan - Primary Residence	6.00%	-	6.221%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.97% → 6.22% ▲ 0.25 pts · high 6.22% / low 5.97% Sep 18, 20266.22%▲ from 5.97% Sep 14, 20265.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
30 Year Home Equity Line of Credit - Primary Residence	7.00%	-	7.039%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.79% → 7.04% ▲ 0.25 pts · high 7.04% / low 6.79% Sep 18, 20267.04%▲ from 6.79% Sep 14, 20266.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Home Equity 30 Year Adjustable Rate Mortgages	6.99%	-	7.177%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.70% → 7.18% ▲ 0.48 pts · high 7.18% / low 6.70% Oct 13, 20267.18%▲ from 7.17% Oct 2, 20267.17%▲ from 7.05% Sep 24, 20267.05%▲ from 6.96% Sep 18, 20266.96%▲ from 6.70% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
20Year Fixed Rate Home Equity Loan - Secondary Residence	7.00%	-	7.23%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.98% → 7.23% ▲ 0.25 pts · high 7.23% / low 6.98% Sep 18, 20267.23%▲ from 6.98% Sep 14, 20266.98%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Home Equity 15 Year Fixed Rate Mortgages	7.375%	-	7.429%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.92% → 7.43% ▲ 0.50 pts · high 7.56% / low 6.92% Oct 13, 20267.43%▼ from 7.56% Oct 2, 20267.56%▲ from 7.30% Sep 24, 20267.30%▲ from 7.18% Sep 18, 20267.18%▲ from 6.92% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Home Equity 30 Year Adjustable Rate Mortgage - Secondary Home	7.49%	-	7.581%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.11% → 7.58% ▲ 0.47 pts · high 7.58% / low 7.11% Oct 13, 20267.58%▲ from 7.57% Oct 2, 20267.57%▲ from 7.45% Sep 24, 20267.45%▲ from 7.37% Sep 18, 20267.37%▲ from 7.11% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Home Equity 20 Year Fixed Rate Mortgages	7.375%	-	7.622%
No additional details. Last Updated 10/13/2026 Rate History 5 changes since Sep 14, 2026 · 7.24% → 7.62% ▲ 0.38 pts · high 7.75% / low 7.24% Oct 13, 20267.62%▼ from 7.75% Oct 2, 20267.75%▲ from 7.62% Sep 26, 20267.62%▲ from 7.50% Sep 24, 20267.50%▲ from 7.37% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Home Equity 30 Year Fixed Rate Construction to Permanent	7.50%	-	7.692%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.31% → 7.69% ▲ 0.38 pts · high 7.95% / low 7.31% Oct 13, 20267.69%▼ from 7.95% Oct 2, 20267.95%▲ from 7.69% Sep 24, 20267.69%▲ from 7.44% Sep 18, 20267.44%▲ from 7.31% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Home Equity 30 Year Fixed Rate Mortgages	7.50%	-	7.692%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.31% → 7.69% ▲ 0.38 pts · high 7.95% / low 7.31% Oct 13, 20267.69%▼ from 7.95% Oct 2, 20267.95%▲ from 7.69% Sep 24, 20267.69%▲ from 7.44% Sep 18, 20267.44%▲ from 7.31% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Home Equity 30 Year Fixed Rate Purchase & Rehab Loan	7.50%	-	7.692%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.31% → 7.69% ▲ 0.38 pts · high 7.95% / low 7.31% Oct 13, 20267.69%▼ from 7.95% Oct 2, 20267.95%▲ from 7.69% Sep 24, 20267.69%▲ from 7.44% Sep 18, 20267.44%▲ from 7.31% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
30 Year Home Equity Line of Credit - Investment Property / Secondary Home	8.00%	-	8.188%
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.94% → 8.19% ▲ 0.25 pts · high 8.19% / low 7.94% Sep 18, 20268.19%▲ from 7.94% Sep 14, 20267.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Home Equity 10 Year Fixed Rate Land Loan	8.875%	-	9.291%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 8.54% → 9.29% ▲ 0.76 pts · high 9.29% / low 8.54% Oct 13, 20269.29%▲ from 9.17% Oct 2, 20269.17%▲ from 8.91% Sep 24, 20268.91%▲ from 8.79% Sep 18, 20268.79%▲ from 8.54% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%

ACU Athol Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Cars, Trucks, Motorcycles, RVs, Campers - 48 Months Loan	5.74%	-	5.74%	48 Months
Details Age of Collateral: 10 years or newer; Payment per $1,000 based on FICO score of 740; Rate based on 740 FICO score for auto loans; ACU Membership is required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Cars, Trucks, Motorcycles, RVs, Campers - 60 Months Loan	5.99%	-	5.99%	60 Months
Details Age of Collateral: 10 years or newer; Payment per $1,000 based on FICO score of 740; Rate based on 740 FICO score for auto loans; ACU Membership is required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Cars, Trucks, Motorcycles, RVs, Campers - 66 Months Loan	5.99%	-	5.99%	66 Months
Details Age of Collateral: 6 years or newer; Payment per $1,000 based on FICO score of 740; Rate based on 740 FICO score for auto loans; ACU Membership is required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Cars, Trucks, Motorcycles, RVs, Campers - 72 Months Loan	6.49%	-	6.49%	72 Months
Details Age of Collateral: 6 years or newer; Payment per $1,000 based on FICO score of 740; Rate based on 740 FICO score for auto loans; ACU Membership is required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Cars, Trucks, Motorcycles, RVs, Campers - 75 Months Loan	6.49%	-	6.49%	75 Months
Details Age of Collateral: 3 years or newer; Payment per $1,000 based on FICO score of 740; Rate based on 740 FICO score for auto loans; ACU Membership is required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%
Cars, Trucks, Motorcycles, RVs, Campers - 84 Months Loan	6.74%	-	6.74%	84 Months
Details Age of Collateral: 3 years or newer; Payment per $1,000 based on FICO score of 740; Rate based on 740 FICO score for auto loans; ACU Membership is required Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%

ACU Athol Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Personal Loans (includes boats, powersports, tractors, debt consolidation)	10.99%	10.99%	Up to 84 Months
Details Interest rate determined by individual's credit score; based on 740 FICO score; ACU Membership is required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%

ACU Athol Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans (includes boats, powersports, tractors, debt consolidation)	10.99%	Up to 84 Months
Details Interest rate determined by individual's credit score; based on 740 FICO score; ACU Membership is required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%

ACU Athol Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Credit Builder Loan	5.99%	-	5.99%	Up to 48 Months
Details Interest rate determined by individual's credit score; based on 740 FICO score; ACU Membership is required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.96%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

ACU Athol Credit Union’s Texas Ratio rose from 5.67% in Q3 2023 to 11.96% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$99M	11.96%	5.0	A
March 31, 2026	$97M	6.47%	5.0	A
December 31, 2025	$98M	5.72%	5.0	A+
September 30, 2025	$94M	4.61%	5.0	A+
June 30, 2025	$91M	1.59%	5.0	A+
March 31, 2025	$95M	5.06%	5.0	A+
December 31, 2024	$95M	5.37%	5.0	A+
September 30, 2024	$92M	9.70%	5.0	A
June 30, 2024	$92M	5.02%	5.0	A+
March 31, 2024	$90M	3.69%	5.0	A+
December 31, 2023	$90M	3.59%	5.0	A+
September 30, 2023	$89M	5.67%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for ACU Athol 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 ACU Athol 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 ACU Athol Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ACU Athol Credit Union

Website https://www.atholcreditunion.com

Address 513 Main St, Athol, MA 01331-1825

Phone 978-249-3527

Fax 978-249-3448

President Leonard Crossman

CEO Luis Cisneros

Full-Time Employees 23

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.96%

Return on Assets (ROA)

-0.1481%

Return on Equity (ROE)

-1.7284%

Non-Performing Loans Ratio (NPL)

1.20%

Total Assets

99,176,984

Total Amount of Shares and Deposits

77,534,649

Total Shares and Deposits < 1 Year

76,575,200

Total Shares and Deposits 1 3 Years

872,863

Total Shares and Deposits > 3 Years

86,588

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

8,558,935

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

8,558,935

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

68,975,714

Total Interest Expense (Sum of items 6 8)

830,543

Share Certificates

709

Number of Accounts for Share Drafts

2,609

IRA KEOGH Accounts

220

Number of Accounts for Regular Shares

4,810

Money Market Shares

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

-146,888

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,001,427

Total Liabilities

90,947,444

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

ACU Athol Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/athol-credit-union-rates-review-66819">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for ACU Athol 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 ACU Athol Credit Union

Frequently Asked Questions About ACU Athol Credit Union

How many branches does ACU Athol Credit Union operate?

ACU Athol 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 ACU Athol Credit Union?

Yes, to access services at ACU Athol 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, ACU Athol 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, ACU Athol Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does ACU Athol Credit Union offer online and mobile banking?

Most modern institutions like ACU Athol 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://www.atholcreditunion.com.