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Virginia Credit Union and Member One Federal Credit Union announce intent to merge. Learn more.

Rates

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Mortgages

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

Home Equity Line of Credit

Introductory APR Standard APR
5.99% APR for the first 12 billing cycles* As low as 8.50%
*APR means Annual Percentage Rate. As of November 1, 2023, the current APR is 5.99% and effective for one year following consummation; thereafter, the APR will adjust quarterly based on the index plus up to 2.00%. The index is the highest prime rate published in the Money Rates column of the Wall Street Journal. The minimum APR that may apply is 3.5%. The maximum APR that may apply is 15.00%. As of November 1, 2023, prime rate is 8.50%. Fees vary for loans in excess of $100,000. After one year, the APR will convert to Prime Rate for loan-to-value below 80%; Prime Rate +1% for loan-to-value between 80% and 90%; or Prime Rate +2.00% for loan-to-value over 90%. If the line of credit is not repaid after 10 years, the line will convert to a variable rate loan at rates applicable at that time with the payment set to pay off the remaining balance in 15 years. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Property insurance is required. Approval subject to loan and property value, creditworthiness, and underwriting.

Home Equity Loans

Term Annual Percentage Rate (APR)*
5 years as low as 6.75%
10 years as low as 7.00%
15 years as low as 7.75%
20 years as low as 8.75%
*APR means Annual Percentage Rate. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Approval subject to loan and property value, creditworthiness, and underwriting. At current APR and based on $100,000 borrowed, estimated monthly payment is $1,968.51 for 5 years, $1,1161.30 for 10 years, $941.55 for 15 years, and $884.06 for 20 years. If the loan is on a first lien, the payment example does not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Origination and other fees, and loan amount may affect the APR. Not all applicants will qualify for the lowest rate. Rates Effective November 1, 2023.

Personal Loans

Type Term Annual Percentage Rate (APR)*
Personal Loan Up to 60 months 10.24% – 17.99%
MoneyLine Line of Credit N/A 11.24% – 17.99%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $255.87 on a $10,000 loan with a 60-month term and a 17.99% 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 January 3, 2024.

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.

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 5.20%
11-Month $5,000.00 0.60%
12-Month $1,000.00 4.00%
13-Month $10,000.00 5.00%
14-Month $10,000.00 0.60%
15-Month $1,000.00 5.15%
18-Month $1,000.00 0.60%
19-Month $10,000.00 0.70%
21-Month $1,000.00 0.70%
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 November 13, 2023. **$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 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 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.