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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.
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We're now offering a 21-month, 3.85% APY* Share Certificate!
See All Certificates

With our highest rate of return on one of our longer-term share certificates, let us help your money grow! This 21-month share certificate offers 3.85% APY* with a minimum balance of only $1,000.

How Can I Open One?

Member One offers two ways to open a share certificate:

  1. Visit one of our 15 retail center locations.
  2. Call 800.666.8811 and one of our Contact Center team members will assist you.

This Share Certificate offers amazing benefits!

Top-of-market return on your investment
Start with $1,000*
Federally insured up to $250,000
Maturation in just 21 months

See all of our Share Certificate Offerings:

Term Minimum Balance Annual Percentage Yield (APY)
6-Month $1,000.00 0.45%
9-Month $1,000.00 0.50%
10-Month** $10,000.00 4.20%
11-Month $5,000.00 0.60%
12-Month $1,000.00 4.00%
12-Month No Penalty $1,000.00 0.25%
13-Month $10,000.00 4.00%
14-Month $10,000.00 0.60%
15-Month $1,000.00 4.15%
18-Month $1,000.00 0.60%
19-Month $10,000.00 0.70%
21-Month $1,000.00 3.85%
24-Month $1,000.00 0.70%
36-Month $1,000.00 0.80%
48-Month $1,000.00 1.00%
60-Month $10,000.00 1.10%
Rates Effective March 18, 2024. **$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.

Here are the answers to some common questions you may have about Share Certificates:

This particular product really is second-to-none in offering low risk, as far as term, and top-tier return. Planning ahead for a dream vacation, college tuition, or something else on the horizon? This could be the financial solution for you! Due to their high rate of return, they also work wonderfully as short-term savings solutions. They work best for those who, because of the withdrawal penalty, can be without that money until the share certificate has matured.

It's important to note that you once you make your initial deposit, if you access that money before the certificate matures, you won't receive all the interest you've earned on that investment. Before opening a Share Certificate, take a look at what other investment and savings options Member One has to offer!

Simply put, not much. Credit unions issue Share Certificates to their members, while banks issue certificates of deposit (CDs) . Share Certificates are insured up to $250,000 by the National Credit Union Administration (NCUA), while CDs are insured up to the same amount by a different institution. Both are great, low-risk ways to save for big upcoming purchases. With such a high, guaranteed rate of return, they also serve as great short-term investments.


*APY means Annual Percentage Yield. 21-month rate effective as of 03/18/2024. Rate applies only to new share certificates and is subject to change at account renewal. $1,000 is required to open this Share Certificate at this promotional rate. A penalty may be imposed for early withdrawals and fees may reduce earnings. Other restrictions may apply. This promotion is subject to change or end at any time. Membership eligibility required. Federally insured by NCUA.

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