Find the right credit card for you.

New car tires you didn’t think you’d need so soon. Groceries. Birthday gifts. An unexpected night out with friends. Credit cards are there when we need them. 

Member One helps you match the right card for your lifestyle. Some of the benefits of our cards include:

  • Competitive rates
  • No annual fees
  • Zero liability on fraudulent purchases
  • Digital Wallet capability
  • Card Lock security feature

Meet your match.



Introductory Rate Offer
Annual Percentage Rate (APR)
Foreign Transaction Fee
Member Everyday Visa Platinum Credit CardMember Everyday Visa Credit Card
This is the credit card you’ll turn to daily. For everything from filling up the gas tank to the grocery cart, this is your go-to card for all of life’s expenses. Think of it as the flexible friend in your wallet.

• Low, fixed interest rate
• Travel Accident & Baggage Delay Insurance
• Roadside Dispatch
• $1,000 minimum credit limit

Learn more about the Member Everyday Credit Card and apply now
5.90% APR for the first 12 months**As low as 9.99% APR* after introductory rate ends.
1.00% of each transaction in U.S dollars
Member Premier Visa Signature Credit CardMember Premier Visa Signature Credit Card
If you’re looking for a credit card with rewards and extra perks, you’ve found it. Earn one point for every dollar you spend and enjoy all the perks provided by Visa Signature® like access to once-in-a-lifetime travel experiences, luxury hotels, and complimentary 24-hour Visa Signature Concierge service.

• 1 point for every dollar spent
• Travel Accident & Baggage Delay Insurance
• Visa Signature Concierge Service and Perks
• $5,000 minimum credit limit


Learn more about the Member Premier Credit Card and apply now
5.90% APR for the first 12 months**As low as 13.99% APR* after introductory rate ends.
None
plusONE Visa Cashback Credit CardplusONE Visa Cashback Credit Card
This is the credit card that gives back—to you and your community. The plusONE card is simply unique because not only do you receive cash back, so does the community. While you earn 1% cash back on all your purchases, we’ll donate on your behalf to organizations that contribute so much to our way of life here in southwest and central Virginia. It’s a win-win for you and our community.

• 1% cash back for every dollar spent
• Community investment donation
• Automatic quarterly redemption of cash back
• $5,000 minimum credit limit


Learn more about the plusONE Credit Card and apply now
5.90% APR for the first 12 months**
As low as 14.99% APR* after introductory rate ends.
1.00% of each transaction in U.S dollars


Apply Now

Current members, apply by logging into Online Banking or by calling 800-666-8811.


Want more information about our credit cards? 

Call 800-666-8811 or visit one of our retail center locations

If your Member One credit card is lost or stolen, please call 800-449-7728.


Click here for credit card disclosures.

*APR = Annual Percentage Rate. Not all applicants will qualify for the lowest rate. Membership eligibility required.

**Introductory rate is valid for purchases and balance transfers from other credit card companies, financial institutions, or department store charge cards to a new Member One credit card for a period of 12 billing cycles after account opening with a Monthly Periodic Rate of 0.4917%. After that, the rate that applies to the existing balances will adjust from 9.99% APR with a Monthly Periodic Rate of 0.8325% up to 17.99% APR with a Monthly Periodic Rate of 1.4992%. Rates and credit limits are based on each individual’s creditworthiness and underwriting criteria. Balance transfers made payable to you, cash, or to make payments towards amounts you owe Member One FCU, are not eligible for the introductory rate.

Become a Member

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

Learn more about credit union membership