Joining ACU is simple!
Click the Open an Account button and start enjoying the benefits today.
Athol Credit Union – Your Money. Your Community.
Welcome to ACU, where personalized service meets powerful financial solutions. We combine the care and commitment of a local credit union with the full range of products offered by national institutions. Whatever your goals—saving, borrowing, or buying a home—we’re here to help you move forward with confidence.
As an ACU member-owner, you’ll enjoy:
Personalized, friendly service
Competitive rates on financial products
Exclusive loans and grants are available only through credit unions
Convenient Online and Mobile Banking tools
Free Card Management for debit card protection and monitoring
Free CreditSense credit monitoring
The confidence of working with a local, non-profit financial institution
Our membership proudly serves Franklin, Hampshire & Worcester Counties.
A list of towns and cities in each county is provided below.
Franklin County
| Town/City | Zip Code |
|---|---|
| East Leverett, Leverett, North Leverett | 01054 |
| Shutesbury | 01072 |
| Whately | 01093 |
| Greenfield, Leyden | 01301 |
| Greenfield | 01302 |
| Ashfield, South Ashfield | 01330 |
| Bernardston, Leyden | 01337 |
| Buckland | 01338 |
| Charlemont, Hawley, W Hawley | 01339 |
| Colrain, Conway, Shattuckville | 01340 |
| Deerfield, East Deerfield, West Deerfield | 01342 |
| Erving, Farley, Stoneville | 01344 |
| Charlemont, Heath | 01346 |
| Lake Pleasant | 01347 |
| Millers Falls, Turners Falls | 01349 |
| Monroe, Monroe Bridge | 01350 |
| Montague | 01351 |
| Gill, Mount Hermon, Northfield Mount Hermon | 01354 |
| New Salem, Orange | 01355 |
| Northfield | 01360 |
| Blissville, Eagleville, Lake Mattawa, New Salem, North Orange, Orange, Warwick | 01364 |
| Hoosac Tunnel, Rowe, Zoar | 01367 |
| Baptist Corner, East Charlemont, Shelburne, Shelburne Falls | 01370 |
| South Deerfield, Whately | 01373 |
| Sunderland | 01375 |
| Turners Falls | 01376 |
| Orange, Warwick | 01378 |
| Wendell | 01379 |
| Wendell Depot | 01380 |
Hampshire County
| Town/City | Zip Code |
|---|---|
| Amherst, Cushman, Pelham, South Amherst | 01002 |
| Amherst | 01003 |
| Amherst | 01004 |
| Belchertown | 01007 |
| Chesterfield | 01012 |
| Cummington, West Cummington | 01026 |
| Easthampton, Loudville, Mount Tom, Westhampton | 01027 |
| Goshen, Lithia | 01032 |
| Granby | 01033 |
| Hadley, No Hadley | 01035 |
| Hatfield, West Hatfield | 01038 |
| Haydenville, West Whately | 01039 |
| Crescent Mills, Huntington, Knightville, Montgomery, North Chester, South Worthington | 01050 |
| Leeds | 01053 |
| Amherst, North Amherst | 01059 |
| Northampton | 01060 |
| Northampton | 01061 |
| Bay State Village, Florence, Northampton | 01062 |
| Northampton | 01063 |
| North Hatfield | 01066 |
| Plainfield | 01070 |
| Southampton | 01073 |
| South Hadley, South Hadley Falls | 01075 |
| Ware | 01082 |
| West Chesterfield | 01084 |
| West Hatfield | 01088 |
| South Chesterfield, Williamsburg | 01096 |
| Worthington | 01098 |
| Middlefield | 01243 |
Worcester County
| Town/City | Zip Code |
|---|---|
| Barre | 01005 |
| Gilbertville | 01031 |
| Hardwick | 01037 |
| Oakham | 01068 |
| South Barre | 01074 |
| Warren | 01083 |
| West Warren | 01092 |
| Wheelwright | 01094 |
| Athol, Phillipston, Royalston | 01331 |
| Petersham | 01366 |
| Athol, Royalston, South Royalston | 01368 |
| Ashburnham, So Ashburnham | 01430 |
| Baldwinville, Otter River | 01436 |
| East Templeton | 01438 |
| Gardner | 01440 |
| Gardner, Westminster | 01441 |
| Hubbardston | 01452 |
| Templeton | 01468 |
| Westminster | 01473 |
| Winchendon | 01475 |
| Winchendon Springs | 01477 |
| Brookfield | 01506 |
| East Brookfield | 01515 |
| East Princeton | 01517 |
| Holden | 01520 |
| Jefferson | 01522 |
| Leicester | 01524 |
| New Braintree | 01531 |
| North Brookfield | 01535 |
| Princeton | 01541 |
| Rutland | 01543 |
| Spencer | 01562 |
| West Brookfield | 01585 |
| Cherry Valley | 01611 |
| Paxton | 01612 |
Refer a Friend
We treat you as a member. And reward you as an owner.
Log in to get started!
Send a referral and earn rewards.
As a credit union, we are owned by our members. In that spirit, we want to offer you an even greater share in ownership with a new program that rewards you for building the credit union you already own.
What is the referral bonus?
The referral bonus is based on which product you refer.
• Get $25 when you refer a new Checking Account
• Get $100 when you refer a new Mortgage, and that loan closes
• Get $100 when you refer a new Home Equity Loan or line, and that loan closes
• Get $100 when you refer a new Auto Loan that closes*
• Unlimited opportunities to be rewarded
• The new members that you bring in are immediately eligible to participate in our ACU Rewards
*Auto loan amount must be $10,000 or greater
Who's eligible to refer friends?
If you’re an existing cardholder, you qualify for the referral program. If any of your accounts are closed, you won’t be eligible for the referral program.
What happens after I send a referral?
Once you have provided someone’s email, we'll contact them with information about our services. If the referred person is interested in our services, they will be invited to open or apply for accounts to complete the process. If their application is approved, accepted, and funded, you'll receive your rewards in your account within 30 days. Due to our privacy policies, we cannot disclose any information to you about who has applied.
