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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.

Rates

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

Business Essential, Business Edge & Business Elite Checking Accounts

Amount on Deposit Annual Percentage Yield (APY)
$0.00 and up 0.00%
Rates Effective February 1, 2023.

Business Savings Account

Business Savings Accounts require a $5 initial deposit and $5 minimum balance.

Account Type Minimum on Deposit to Earn Dividends Annual Percentage Yield (APY)
Business Savings $250.00 0.10%
Rates Effective February 1, 2023. Refer to the Business Member Account Agreement for the 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.

Business Share Certificates

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%
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 Business 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.

Business Money Market Accounts

Dividend Earnings Tier Minimum Balance to Earn Dividends Annual Percentage Yield (APY)
Tier 1 $2,000.00 – $9,999.99 0.50%
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 February 1, 2023. *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.

Business Credit Card

A secure, reliable credit card designed for business owners just like you. Earn points on every dollar you spend, then redeem them for travel or merchandise as you grow your business.

Card Type Introductory APR Standard APR
Visa® Platinum Rewards Business 3.99% APR for the first 12 billing cycles* 11.99%**
* The Introductory Rate for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following issuance of your card. After that, the rate that applies to the existing balances will adjust to 11.99% APR with a Monthly Periodic Rate of 0.9991%. Any existing balances on Member One Federal Credit Union loan or credit card accounts are not eligible for the Introductory Rate for balance transfers. **APR means Annual Percentage Rate. Your interest rate is fixed but is subject to change upon advance notice to you. Other restrictions may apply. Credit card foreign transaction fees: 1.00% of each transaction in U.S. dollars.