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Attention Members: The coin machine at our Member Service Center in Roanoke is currently out of service. Our nearest retail centers with a coin machine are South Roanoke, Daleville, and Southwest. We apologize for the inconvenience.


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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.