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ALERT: Transfers between member accounts are currently disabled. We’re working on a solution and will restore this service as soon as possible. Contact us at 1-800-666-8811 or visit a retail center to make transfers. We appreciate your patience.
Merger Update: Member One is rebranding to Virginia Credit Union in 2026. Learn more
Attention Members: Be aware scammers may contact you by text, phone call, or email pretending to be Member One. They may use phone numbers or addresses that look like ours. They might ask for account details, passwords, codes, or request you click suspicious links. NEVER share this personal information when contacted unexpectedly or feel pressured to click a suspicious link.
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Rates

Save. Borrow. Grow.

6.00%*
Auto Loans APR as low as*
9.99%*
Personal Credit Cards APR as low as*
7.75%*
Home Equity Loans (2nd Lien) APR for a 15-year*
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Member One FCU

Strengthening Our Community

At Member One, our mission is to help our members, employees, and communities flourish.

Our Community Impact

Each year we give back to our local nonprofit organizations, charities, and community projects through donations of time, goods, services, and financial support.

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Sponsorships & Donations

In 2024, we made a $424,600 commitment to our Southwest and Central Virginia communities.

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College Scholarships

With the rising cost of higher education, we're proud to offer two scholarships for area students attending college in Virginia.

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Latest Stories & News

Read the latest from us, including stories, press releases, and financial news you can use.

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Financial Education Center

Learn. Earn. Invest.

The more you know, the more you’ll grow. Let us help. Our interactive Financial Education Center is designed for members of all ages.

Approaching Retirement
Preparing for Retirement

Learn How you should get started or optimize your retirement plan!

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Making Plans
Investing In Your Future

Learn how to be more financially prepared in the years ahead.

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Getting Started
Building Financial Capability

Learn how to manage your money and avoid financial dangers.

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Easy & Quick!

As a first-time home buyer, I didn’t know what to expect, but everything was super easy and quick! They explained everything to me and helped me through every step. Outstanding service!

Teresa R. Member for 3 years

I just got an account at Member One, and I left feeling very satisfied. I felt important. Thank you so very much for that! I was switching due to poor customer service at my previous credit union, and I left feeling confident I chose the right place.

Megan S. New member in Lynchburg

I received great service from Member One and I look forward to doing business with them in the future!

Kristi M. New member in Roanoke
The loan process was quick and simple

Member One always takes great care of us. The loan process was quick and simple, and before we knew it, we were walking out of the office with a check in hand ready to purchase our car!

Richard B. Member for 8 years

We were so happy with our first loan from Member One that we came back for our second. Still very happy with the service and speed of the process! Thanks!

Shawn O. Member for 12 years
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Online & Mobile Solutions

Convenience You’ll Love

Visiting a branch isn’t always convenient. We get it. That’s why we offer numerous online and mobile banking solutions. Access your accounts. Transfer funds. Use Apple Pay. Sign up for text alerts. It’s up to you. Choose the options that best fit your lifestyle.

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Recent Blog Posts

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Company News
Following Successful Merger With Roanoke-Based Member One, Virginia Credit Union To Unify Brand, Operations in 2026

Following a successful merger in August 2024, Virginia Credit Union and its Member One division are pleased to announce that the now-combined organization will operate in all markets as Virginia Credit Union, beginning in the spring of 2026.
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Company News
Member One pledges $50,000 to support medical school scholarship honoring Henrietta Lacks

Member One, a division of Virginia Credit Union, will contribute a total of $50,000 during the next five years to support the Henrietta Lacks Excellence in Medicine Scholarship at the Virginia Tech Carilion School of Medicine.
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Finances
How to Plan for Retirement in 2025: IRA Options, Rates, and Strategies
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