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We are aware of a credit and debit card fraud ring that is currently impacting our members. Be aware of scammers calling, texting, and emailing, asking for your account or card number, pretending to be from Member One. NEVER give out this personal information over the phone or if it's solicited via text or email. Protect yourself and please call us directly at 800.666.8811 if you have any questions.
Virginia Credit Union and Member One Federal Credit Union announce intent to merge. Learn more.

Membership Benefits

Well, let's cut to the chase - Why should you get a membership with us?

First, let's settle the debate. Credit Unions vs. Banks.

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For People

Fewer Fees

Better Rates

NCUA insured ($250k)



Emphasis on Relationships

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More Fees

Worse Rates

FDIC insured ($250k)


More Branches = More $$$

Quantity > Quality

Smart Banking.

There are no annual fees for your Member One share account. Yep, you heard that right. In fact, when you have $250 or more in your account, we pay you monthly dividends.

Competitive Rates
No Application Fees
Flexible Repayment Terms
Helpful Loan Officers

Smart Borrowing.

When our members need a loan for a car, house, business, or anything else, Member One is there.

Plus, our credit cards have perks and rates that are hard to beat. Member One combines the art of good, old-fashioned local service with all the modern bells and whistles you expect from big box banks. Our online and mobile banking, including the Member One app, are streamlined and secure.

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Smart Decision.

All it takes to apply for these perks and benefits, in person or online, is five bucks and a few minutes of your time. Once your application is approved, you'll be an official Member One member with complete banking, borrowing, investing, and voting privileges.

Member One Federal Credit Union. Stronger, together.
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Become a Member Today!

Experience the credit union difference with great options for every stage of life, modern-day conveniences you expect, and local, personalized service.