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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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Personal Loans
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A personal loan may help you consolidate debt, plan for an upcoming event, manage unexpected expenses, or build for the future. With a personal loan through Member One FCU, you’ll enjoy:

  • Competitive rates
  • No application fees
  • Flexible repayment terms
  • Simple interest (you only pay interest for the time you borrow the money)
  • No prepayment penalties
  • Personalized loan service
  • Options of choosing a lower rate* or 90 days no payment.**

Three Types Of Personal Loans

Money Line Of Credit

Get the money you need as you need it, whether you’re working on your home, or need to take care of an emergency.***

This unsecured personal loan can even be used for overdraft protection.

  • Competitive rates
  • Loan amounts start around $500
  • Amounts vary based on creditworthiness
  • Immediately accessible online and in retail centers
  • Borrow money (up to the agreed limit) at any time without having to reapply

Already have a line of credit? Log in to online banking, visit a retail center, or call 800-666-8811 (option 3) to access funds. (Note: maximum transfer of $2,500 by phone.)

Apply Now
Savings Secured

Access the cash you need as a one-time personal loan. As you pay the loan down, more money becomes available to you.^^

  • Options for 25%, 50%, 75%, and 100% secured loans^^
  • Loan amounts start at $500
  • Competitive rates

How It Works

  • If you choose a $500 loan at 50%, you receive $500. We hold 50% ($250).
  • As you make payments for the money you received, the remaining $250 is released into your savings, minus the loan interest.
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Debt Consolidation

Lower your bills and save money by consolidating multiple loans and payments.***

  • Competitive rates to help you lower your payments
  • Loan amounts starting at $500
  • Variety of term options
Apply Now

APPLY NOW

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

*Discounts/savings based on your current rate at another institution. Floor rate is 4.99%. Any available discounts “up to 2%” may be applied to your current APR. Discounts may vary based on loan type and credit worthiness. Discounts are not applicable for home equity, mortgage, credit card loans or existing Member One loans. Other restrictions may apply. Programs, rates, terms and conditions are subject to change without notice.

**This is a deferred payment option, interest charges still apply during the payment deferment period. Deferred payment options may not apply to all loan products.

***Loans subject to credit approval. Not all will qualify.

^^Loans subject to approval. Not all will qualify for the lowest of secured share options.