Rates

*Introductory rate of 5.99% APR for the first 12 months after account opening and then after that, a variable rate ranging from 7.25% – 18% APR based on the Prime Rate and other criteria. Listed APR range is current based on Prime Rate as of 10/07/2025 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.

***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%.

*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.

*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.

Rates Effective February 1, 2023.

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.

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.

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.

* 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.