The Atomic Credit Union All Credit Levels is a cdfi lender from Atomic Credit Union. The annual fee is $0. The ongoing APR is 9.99%. Approval typically requires a credit score of 580 or higher. Rewards: Earn points to use for merchandise, gift cards, or cash back every time you spend.. Loan terms: 12 months to pay. This product reports activity to your personal credit report. Atomic Credit Union is a member-focused financial institution located in Piketon, OH, dedicated to providing a range of financial services including personal and business accounts, loans, and mortgages. They serve the Southeast Ohio community, offering products designed to support individuals and local businesses in achieving their financial goals. Services include: personal loans, auto loans, mortgage loans, business loans. US Treasury certified CDFI Credit Union in Piketon, OH. Membership required.