External Site

You are leaving Member One's website. The credit union is not responsible for the content of any other website. The privacy and security standards of other sites may differ from those practiced by the credit union. You should review the privacy and security policy of any site before providing any information.

Proceed Cancel
Attention Members: Be aware scammers may contact you by text, phone call, or email pretending to be Member One. They may use phone numbers or addresses that look like ours. They might ask for account details, passwords, codes, or request you click suspicious links. NEVER share this personal information when contacted unexpectedly or feel pressured to click a suspicious link.

Rates

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

Auto Loans

For auto loans on cars and trucks.

Term APR as low as*
Up to 66 months 5.99%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $623.77 on a $35,000 new auto loan with a 66-month term at 5.99%. Rates and terms may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective July 1, 2025.

Recreational Vehicle Loans

For motorcycles, RVs, dirt bikes, ATVs, boats, and jet skis.

Term APR as low as*
Up to 72 months 7.50%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $260.14 on a $15,000 loan with a 72-month term at 7.50%. Rates and term may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective November 11, 2024.

Mortgages

Please call 800-666-8811 for our current rates.

Home Equity Line of Credit (1st and 2nd Lien)

Introductory APR Standard APR
5.99% APR for the first 12 billing cycles* As low as 7.25%

Home Equity Loans (2nd Lien)

Term Annual Percentage Rate (APR)*
5-20 years as low as 6.75%
Rate effective as of 10/01/2025. Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a .50% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 24 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by Member One, a Division of VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates. 5.99% APR valid for 12 months from account opening and after that APR may vary. Listed APR range is current based on Prime Rate as of 10/01/2025 and APR will never be more than 18%. Your qualifying APR is determined based on our internal credit criteria, loan to value (LTV), credit rating and other factors. LTV may not exceed 95%. Property insurance is required. If account is closed or paid off within 24 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by Member One, a Division of VACU. Minimum loan amount is $20,000. Contact us for other options, current rates and information. For a secondary residence borrow up to 70% of the appraised value of the home, less the balance of the first mortgage, from $20,000 to $50,000.

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.