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Investments

Make a smart investment with Member One FCU. We help your money grow with competitive rates and options that meet a variety of needs. Check out our great options below to help you start putting your money to work for you!

Open an Account Today!

Money Market Accounts

Start earning more now. With five different money market account tiers and competitive rates, you can choose the one that best fits your current needs and investment goals.

  • No minimum balance to open (dividend eligibility begins at $2,000)
  • No minimum withdrawal amount
  • Competitive rates
  • Tiered dividends based on account balance (deposit more, earn more)
  • Access funds easily (limit six withdrawals per month)

To get started, current members may call us at 540-982-8811 or 800-666-8811, or click on “open secondary account” in the application portal. Nonmembers must first complete a member application online or visit one of our branch locations to open an account.

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Share Certificates

Share Certificates give you the opportunity to earn a high yield with low minimum balance requirements.

  • Competitive rates
  • Terms ranging from 6-48 months
  • Youth certificates
View Our Rates!

Please call 540-982-8811 or 800-666-8811 for more information or visit one of our branch locations.

IRA Accounts

We offer IRA account options that meet your needs and help you prepare for the future.

Traditional IRA Accounts

  • Contributions may be tax deductible
  • Earnings grow tax deferred until withdrawn
  • No hidden fees
  • Certificate and variable investment options

Roth IRA Accounts

  • Certificate and variable investment options
  • Contributions may be withdrawn at any time
  • Earnings may be withdrawn tax and penalty free for a qualified reason after account is open for five years
  • No withdrawal requirements no matter how old you are

Coverdell Educational IRA Accounts

  • Contributions grow tax and penalty free if used for qualified educational expenses
  • Funds can transfer to another child in the family if beneficiary does not go to college
  • Variable rate programs available
View Our Rates!

Please call 540-982-8811 or 800-666-8811 for more information. To open an account, please visit one of our branch locations.

IRA Builder Accounts

We understand that saving for major events like your first home, your child’s education, or your retirement can feel overwhelming. That’s why we’ve established an account to help you reach your savings goals.

The Member One IRA Builder Account is designed to work with your budget and lifestyle to make saving and investing easier. When you’re ready, you can convert your account to a share certificate.

  • Automatically deposit a set amount through payroll deduction or recurring transfer
  • Transfer your funds into a high-yield share certificate account at the term of your choice (see certificate rates)
  • Available for Traditional, Roth, and Education IRAs
  • Contributions are limited by federal IRA regulations

We recommend consulting a licensed tax advisor to discuss your specific needs.

View Our Rates!

Please call 540-982-8811 or 800-666-8811 for more information. To open an account, please visit one of our branch locations.

 

Open an Account Today!