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Overview / Commentary
978-249-3527
513 Main St
Athol, MA 01331-1825

Athol Credit Union is headquartered in Athol and is the 56th largest credit union in the state of Massachusetts. It is also the 1,584th largest credit union in the nation. It was established in 1930 and as of December of 2015, it had grown to 19 employees and 6,529 members at 1 location. Athol Credit Union has a C health rating.

Field of Membership Restrictions

Membership eligibility to join Athol CU is open to anyone who resides, maintains employment, or is a registered student in any of the site listed towns from the following counties; Worcester, Franklin, and Hampshire, a full and complete list can be viewed on the 'about-us' page under the 'field-of-membership' heading.
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Health
C
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Athol Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #66819
Year Chartered1930
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD-0.54%
Return on Equity - YTD-6.32%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$96.8MM$90.8MM
LoansQ4 2015vs Q4 2014$60.8MM$61.8MM
DepositsQ4 2015vs Q4 2014$58.9MM$62.3MM
Equity CapitalQ4 2015vs Q4 2014$7.9MM$8.7MM
Loan Loss AllowanceQ4 2015vs Q4 2014$472.00K$460.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$1.3MM$1.0MM
Real Estate OwnedQ4 2015vs Q4 2014$277.00K$132.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Athol Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$25-Passbook Savings w/ Direct Reward
0.15%$25-Statement Savings w/ Direct Reward
0.05%$25-Passbook Savings
0.05%$25-Statement Savings

Athol Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Money Market Account w/ Direct Reward
OTHER TIERS: 0.15% $25 - $1k | 0.20% $1k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.30%*$50k*-Money Market Account
OTHER TIERS: 0.05% $25 - $1k | 0.10% $1k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k

Athol Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$25k*-Super Now Checking w/ Direct Reward
OTHER TIERS: 0.15% $500 - $1k | 0.20% $1k - $10k | 0.30% $10k - $25k
0.30%*$25k*-Super Now Checking
OTHER TIERS: 0.05% $500 - $1k | 0.10% $1k - $10k | 0.20% $10k - $25k

Athol Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$5k-60 Month CD w/ Direct Reward
1.31%$5k-48 Month CD w/ Direct Reward
1.16%$5k-60 Month CD
1.05%$5k-48 Month CD
1.01%$5k-18 Month CD w/ Direct Reward
1.00%$5k-36 Month CD w/ Direct Reward
0.76%$5k-18 Month CD
0.75%$5k-36 Month CD
0.60%$5k-30 Month CD w/ Direct Reward
0.50%$1k-12 Month CD w/ Direct Reward
0.50%$5k-14 Month CD w/ Direct Reward
0.45%$1k-9 Month CD w/ Direct Reward
0.40%$1k-6 Month CD w/ Direct Reward
0.35%$5k-30 Month CD
0.35%$35k-07-31 Day Jumbo CD w/ Direct Reward
0.35%$35k-45-90 Day Jumbo CD w/ Direct Reward
0.25%$1k-12 Month CD
0.25%$5k-14 Month CD
0.20%$1k-9 Month CD
0.15%$1k-6 Month CD
0.10%$35k-07-31 Day Jumbo CD
0.10%$35k-45-90 Day Jumbo CD

Athol Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$5k-60 Month IRA w/ Direct Reward
1.31%$5k-48 Month IRA w/ Direct Reward
1.16%$5k-60 Month IRA
1.05%$5k-48 Month IRA
1.01%$5k-18 Month IRA w/ Direct Reward
1.00%$5k-36 Month IRA w/ Direct Reward
0.76%$5k-18 Month IRA
0.75%$5k-36 Month IRA
0.60%$5k-30 Month IRA w/ Direct Reward
0.50%$1k-12 Month IRA w/ Direct Reward
0.50%$5k-14 Month IRA w/ Direct Reward
0.45%$1k-9 Month IRA w/ Direct Reward
0.40%$1k-6 Month IRA w/ Direct Reward
0.35%$5k-30 Month IRA
0.25%$1k-12 Month IRA
0.25%$5k-14 Month IRA
0.20%$1k-9 Month IRA
0.15%$1k-6 Month IRA
Locations


Athol Credit Union Locations
Branch Office513 Main StAthol, MA 01331-1825