To open a membership with the Athens Area Credit Union, you must provide the following:

  • Valid Driver’s License or other photo ID
  • Social Security Card or ITIN Document
  • Proof of current address (If different from driver’s license)

No Fee Checking Accounts

Athens Area Credit Union offers no fee Share Draft Checking accounts to all eligible members.

  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing
  • Earn dividends on all balances.

Checks –

Members can choose from a variety of styles, all for one low price! Our checks come with carbonless duplicates to assist you in balancing your statement.

Statements –

Members can choose to receive their monthly statements in the mail, electronically via e-Statements or pick them up at the credit union.

Deposits –

Can be made in person, by mail, by night deposit, direct deposit, or by using a CIRRUS ATM.

Membership Share Savings Account

A $5 deposit in a main share (savings) account is all that is required to establish your membership in the Credit Union. Dividends are calculated on the daily balance and paid quarterly.

Term Share Certificate

Certificates offer higher returns for your investment. Your rate at the time of investment is locked in for the term of the certificate. Terms range from 6 months to 48 months. Dividends are calculated on the daily balance and paid quarterly. A penalty may be imposed for withdrawal before maturity.

Individual Retirement Account

Save for your retirement with an IRA certificate and enjoy tax-deferred earnings. We offer Traditional and Roth IRA certificates.

Health Savings Account

Health Savings Accounts (HSAs) are tax-advantaged accounts to help individuals save for qualified medical and retiree health expenses.

  • No monthly service charge.
  • No transaction fees.
  • No minimum balance.
  • Make payments to any provider or pharmacy using checks or debit card.

Contributions to an HSA

It is the individual’s responsibility to determine whether they are eligible to make contributions to an HSA. The maximum amount that can be contributed to an HSA is set by the IRS each year. The contribution amount will also depend on whether the account is a single or family HSA. Individuals, their employer, or both can make contributions to an HSA. Deposits can be made in-person, by mail, direct deposit, or using payroll deduction.

Unlike contributions to a flexible spending account, there is no “use it or lose it” provision with an HSA. At the end of each year, the balance in your HSA is carried over and can be used for medical expenses incurred in future years. HSA balances belong to the individual even if you change employers.