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
Members, confirm your contact information: We're preparing to integrate with Virginia Credit Union. Please review and update your contact information to ensure uninterrupted access. Log in to Online or Mobile Banking, call us at 800.666.8811, or visit a Member One retail center.
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

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

Introductory Annual Percentage Rate (APR) Standard Annual Percentage Rate (APR)
5.74% APR for the first 12 billing cycles* As low as 7.00%
*Introductory rate of 5.74% APR for the first 12 months after account opening and then after that, a variable rate ranging from 7.00% – 18% APR based on the Prime Rate and other criteria. Listed APR range is current based on Prime Rate as of 11/1/2025 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 90%. Property insurance is required. If account is closed or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum loan amount is $20,000. Contact us for other options, current rates and information.

Home Equity Loans (2nd Lien)

Annual Percentage Rate (APR)***
as low as 7.50%
***Rate effective as of 10/08/2025. 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 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates. Maximum APR is 18%.

Personal Loans

Type Term Annual Percentage Rate (APR)*
Personal Loan Up to 60 months 10.24% – 17.24%
MoneyLine Line of Credit N/A 11.99% – 17.99%
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $253.28 on a $10,000 loan with a 60-month term and a 17.24% 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 October 22, 2025.

Personal Credit Cards

Our credit cards are now offered exclusively through Virginia Credit Union (Member One is a division of Virginia Credit Union). For information on the various card options, their rates, and to apply, visit vacu.org/creditcards. If you'd prefer to work directly with a Lending Advisor to help you apply for a Virginia Credit Union card, they are available to assist at 540-736-6267.

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 $500.00 2.25%
9-Month $1,000.00 0.50%
10-Month** $10,000.00 1.00%
11-Month $5,000.00 0.60%
12-Month $500.00 3.65%
13-Month $10,000.00 1.00%
14-Month $500.00 0.60%
15-Month $1,000.00 1.00%
18-Month $1,000.00 0.60%
19-Month $10,000.00 0.70%
21-Month $1,000.00 2.50%
24-Month $500.00 3.50%
36-Month $500.00 3.45%
48-Month $500.00 3.45%
60-Month $500.00 3.50%
Rates Effective October 24, 2025. **$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.