• Digital Wallet

    Apple Pay and Google Pay are Here!

    Securely store your ACU debit card in your phone's digital wallet for quick checkouts when shopping in store or online.

    Find out More

  • Home Loans

    The Home You Really Want

    We make it easy — and affordable — to finance your Massachusetts dream home. Apply online today.

    Start Packing


    Get Rewarded for Banking With Us

    That's free Umbrella Checking at Athol Credit Union. We'll pay you in cash for doing simple activities.

    Choose My Reward

  • Credit Builder Loans

    Strengthen Your Standing

    We can help you build or rebuild — with a loan designed to improve your credit.

    Start Today

Auto Refinance

Lower Rates, Local Service

Our lenders can help you lock in more affordable financing  on your vehicle.

Pay Less

Home Loans

Achieve Homeownership with Ease

  • Get Pre-Qualified
    Let’s take a look at some financial info and then figure out your homebuying budget.
  • Choose Your Loan
    Pick the right financing program for your home — from fixed-rate to construction loans.
  • Close on the House
    Take care of some paperwork, make your closing costs, and get the keys to your new place.

Make Move-In Plans


The tool you need to take control of your finance anytime, anywhere.

Go Mobile Control Your Cards

Member Services

Your Convenience Comes First

Banking really is better when it’s local.


What Your Neighbors are Saying

  • I needed a mortgage that would also cover the cost of rehabbing the home I wanted. ACU fixed me up with just what I needed.

    – Tom P.

  • I will never forget what ACU did for me. They made me a first-time homeowner!

    – Sean P.

  • Both times I went in there, I got excellent service. The first time helping me with a car payment, then today when I opened an account.

    – Thomas M.

  • If you’re looking for a loan or just an excellent, honest branch to do banking with, I highly recommend you stop by ACU.

    – Katie B.

Credit Builder Loans

Get Your Credit in the Green

Easily boost your score (and savings).

Raise Yours

01. Open a Loan

Your borrowed amount is placed into a savings account that acts as a guarantee.

02. Pay It Off

Consistently make monthly payments and build a solid credit history in the process.

03. Receive Funds

Once your loan is repaid, enjoy the savings — and good credit — you’ve earned.