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Rates

Save. Borrow. Grow.

5.99%*
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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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
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
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

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
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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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Financial Success for Women Summit Draws 175 Participants as Virginia Credit Union, Member One Bring Nationally Recognized Event to Roanoke

Virginia Credit Union and its Member One division brought the award-winning, nationally recognized Financial Success for Women Summit to Roanoke on Sept. 22, drawing 175 participants for a day of valuable insights into financial success, wealth building, and career development.
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Finances
Protect Your Credit Score Through Job Changes, Divorce, and More

Major life events like a job loss, divorce, or a major move can create significant financial stress. This guide provides practical steps and expert tips on how to proactively manage and protect your credit score through these challenging transitions, with support from Member One.
Blue piggy bank photo courtesy Maitree Rimthong
Finances
How to Open a Youth Account and Teach Money Skills Early

A dedicated youth account can be a safe, controlled environment where your teen can learn practical money skills with your guidance. This guide explains how Member One's accounts can be used to teach valuable lessons in budgeting, saving, and responsible spending.
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Local Branches & ATMs Near You

Find exactly what you need when you need it!

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