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Rates

Personal Accounts
Business Accounts
IRAs
Credit Cards
Loans
Home Loans
Rate Filters:
All Checking Home Equity Investments Personal Savings Vehicle Youth

Personal Checking Accounts

Built around the must-haves in life: convenience, predictability, and getting more from your money.

Amount on Deposit Annual Percentage Yield (APY)
$0.00 – $49,999.99 0.00%
$50,000.00 and up 0.05%
Rates Effective February 1, 2023.

Personal Savings Accounts

Earn the dividends you deserve (and that the piggy bank won’t give you).

Account Type Minimum on Deposit to Earn Dividends Annual Percentage Yield (APY)
Primary Membership Account $250.00 0.10%
Other Savings Account $100.00 0.10%
Vacation Club Savings $100.00 0.10%
Christmas Club Savings $100.00 0.10%
Rates Effective February 1, 2023.

Super Squirrels Youth Accounts (Ages 12 and Under)

If the kids already swear they’re smarter than you are, help them prove it with an account that supports smart money decisions.

Account Type Minimum on Deposit to Earn Dividends Annual Percentage Yield (APY)
Tier 1 $0.00 – $499.99 0.60%
Tier 2 $500.00 – $1,999.99 0.40%
Tier 3 $2,000.00 and up 0.20%
Rates Effective February 1, 2023.

Generation One Teen Accounts (Ages 13-18)

Help your teen learn to handle money and save for the future, they are our next generation after all!

Account Type Minimum on Deposit to Earn Dividends Annual Percentage Yield (APY)
Tier 1 $0.00 – $499.99 0.60%
Tier 2 $500.00 – $1,999.99 0.40%
Tier 3 $2,000.00 and up 0.20%
Rates Effective February 1, 2023.

Personal Choice Money Market Accounts

Dividend Earnings Tier Minimum Balance to Earn Dividends Annual Percentage Yield (APY)
Tier 1 $2,000.00 – $9,999.99 0.40%
Tier 2 $10,000.00 – $24,999.99 0.60%
Tier 3 $25,000.00 – $49,999.99 0.70%
Tier 4 $50,000.00 – $99,999.99 0.80%
Tier 5 $100,000.00 - $249,999.99 0.90%
Tier 6 $250,000.00 and up 1.00%
Rates Effective January 1, 2025. There is not a minimum balance requirement to maintain a Money Market Account; however, to avoid the Minimum Balance Relationship Fee as listed on the Fee Schedule, the balance must not fall below $2,000 at any time during the calendar month. Fees may reduce earnings.

Personal Choice Plus Money Market Account

Dividend Earnings Tier Minimum Balance to Earn Dividends Annual Percentage Yield (APY)
Tier 1 Less than $250,000.00 0.05%
Tier 2 $250,000.00 and up 2.90%
Rates Effective January 1, 2025. At least $250,000.00 is required for an opening deposit. There is not a minimum balance requirement to maintain a Money Market Account; however, to avoid the Minimum Balance Relationship Fee as listed on the Fee Schedule, the balance must not fall below $2,000 at any time during the calendar month. Fees may reduce earnings.

Personal Share Certificates

High yield with a low minimum balance requirement.

Term Minimum Balance Annual Percentage Yield (APY)
6-Month $500.00 2.40%
9-Month $1,000.00 0.50%
10-Month** $10,000.00 1.00%
11-Month $5,000.00 0.60%
12-Month $500.00 3.80%
12-Month No Penalty $500.00 0.25%
13-Month $10,000.00 1.00%
14-Month $500.00 0.60%
15-Month $1,000.00 1.00%
18-Month $1,000.00 0.60%
19-Month $10,000.00 0.70%
21-Month $1,000.00 2.50%
24-Month $500.00 3.65%
36-Month $500.00 3.60%
48-Month $500.00 3.60%
60-Month $500.00 3.65%
Rates Effective September 12, 2025. **$10,000 is required to open this Share Certificate at this promotional rate, and minimum $10,000 must come from sources other than Member One Federal Credit Union. Refer to the Member One Consumer Truth in Savings Disclosure related to these accounts. Rates subject to change without notice. Minimum deposit required to earn dividends varies. Please speak to a member representative for more information. Fees may reduce earnings on accounts. Early withdrawal penalties may be imposed for certificate accounts.

Youth Share Certificates

Super Squirrels and Generation One get special share certificate rates and terms.

Type Minimum Balance Annual Percentage Yield (APY)
Super Squirrels (12-month Share Certificate) $500.00 3.80%
Generation One (12-month Share Certificate) $500.00 3.80%
Rates Effective August 29, 2025.

IRA Certificates

Prepare for retirement, and even take advantage of tax deductions.

Term Minimum Balance Annual Percentage Yield (APY)
One Year $100.00 3.80%
Two Year $100.00 3.65%
Three Year $100.00 3.60%
Four Year $100.00 3.60%
Five Year $100.00 3.65%
Seven Year $100.00 3.80%
Rates Effective September 12, 2025.

Auto Loans

For auto loans on cars and trucks.

Term APR as low as*
Up to 66 months 5.99%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $623.77 on a $35,000 new auto loan with a 66-month term at 5.99%. Rates and terms may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective July 1, 2025.

Recreational Vehicle Loans

For motorcycles, RVs, dirt bikes, ATVs, boats, and jet skis.

Term APR as low as*
Up to 72 months 7.50%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $260.14 on a $15,000 loan with a 72-month term at 7.50%. Rates and term may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective November 11, 2024.

Mortgages

Please call 800-666-8811 for our current rates.
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