Rates
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.
IRA Certificates
Prepare for retirement, and even take advantage of tax deductions.
| Term | Minimum Balance | Annual Percentage Yield (APY) |
|---|---|---|
| One Year | $1,000.00 | 4.00% |
| Two Year | $1,000.00 | 4.00% |
| Three Year | $1,000.00 | 4.00% |
| Four Year | $1,000.00 | 4.00% |
| Five Year | $1,000.00 | 4.00% |
| Seven Year | $1,000.00 | 3.80% |
Rates Effective April 11, 2025.
IRA Savings
Built to keep things simple so you can start investing now.
| Type | Minimum Balance | Annual Percentage Yield (APY) |
|---|---|---|
| IRA Regular Savings | $50.00 | 0.10% |
| Educational IRA (Coverdell) | $50.00 | 0.10% |
Rates Effective February 1, 2023.
Personal Loans
| Type | Term | Annual Percentage Rate (APR)* |
|---|---|---|
| Personal Loan | Up to 60 months | 10.74% – 17.74% |
| MoneyLine Line of Credit | N/A | 11.99% – 17.99% |
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $254.30 on a $10,000 loan with a 60-month term and a 17.74% APR. The rate and term may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Rates Effective November 11, 2024.
Personal Credit Cards
| Card Type | Introductory APR | Standard APR | |
|---|---|---|---|
| Member Everyday Visa® | 3.99% APR for the first 12 billing cycles* | as low as 9.99%** | |
| Member Premier Visa® Signature | 3.99% APR for the first 12 billing cycles* | as low as 13.99%** | |
| plusONE Visa® Cashback | 3.99% APR for the first 12 billing cycles* | as low as 14.99%** |
*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.
**APR means Annual Percentage Rate. The rate and term may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Credit card foreign transaction fees: 1.00% of each transaction in U.S. dollars.