Personal Choice 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.
Personal Share Certificates
High yield with a low minimum balance requirement.
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
|
3.95%
|
11-Month
|
$5,000.00
|
0.60%
|
12-Month
|
$1,000.00
|
4.25%
|
12-Month No Penalty
|
$1,000.00
|
0.25%
|
13-Month
|
$10,000.00
|
3.75%
|
14-Month
|
$10,000.00
|
0.60%
|
15-Month
|
$1,000.00
|
3.90%
|
18-Month
|
$1,000.00
|
0.60%
|
19-Month
|
$10,000.00
|
0.70%
|
21-Month
|
$1,000.00
|
4.00%
|
24-Month
|
$1,000.00
|
3.80%
|
36-Month
|
$1,000.00
|
3.90%
|
48-Month
|
$1,000.00
|
3.90%
|
60-Month
|
$10,000.00
|
4.00%
|
Rates Effective August 23, 2024. **$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 Consumer 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.
Youth Share Certificates
Super Squirrels and Generation One get special share certificate rates and terms.
Type |
Minimum Balance |
Annual Percentage Yield (APY) |
Super Squirrels (12-month Share Certificate)
|
$500.00
|
4.25%
|
Generation One (12-month Share Certificate)
|
$500.00
|
4.25%
|
Rates Effective August 23, 2023.
IRA Certificates
Prepare for retirement, and even take advantage of tax deductions.
Term |
Minimum Balance |
Annual Percentage Yield (APY) |
One Year
|
$1,000.00
|
4.25%
|
Two Year
|
$1,000.00
|
3.80%
|
Three Year
|
$1,000.00
|
3.90%
|
Four Year
|
$1,000.00
|
3.90%
|
Five Year
|
$1,000.00
|
4.00%
|
Seven Year
|
$1,000.00
|
4.00%
|
Rates Effective August 23, 2024.
IRA Savings
Built to keep things simple so you can start investing now.
Type |
Minimum Balance |
Annual Percentage Yield (APY) |
IRA Regular Savings
|
$50.00
|
0.10%
|
Educational IRA (Coverdell)
|
$50.00
|
0.10%
|
Rates Effective February 1, 2023.
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
|
3.95%
|
11-Month
|
$5,000.00
|
0.60%
|
12-Month
|
$1,000.00
|
4.25%
|
13-Month
|
$10,000.00
|
3.75%
|
14-Month
|
$10,000.00
|
0.60%
|
15-Month
|
$1,000.00
|
3.90%
|
18-Month
|
$1,000.00
|
0.60%
|
19-Month
|
$10,000.00
|
0.70%
|
21-Month
|
$1,000.00
|
4.00%
|
24-Month
|
$1,000.00
|
3.80%
|
36-Month
|
$1,000.00
|
3.90%
|
48-Month
|
$1,000.00
|
3.90%
|
60-Month
|
$10,000.00
|
4.00%
|
Rates Effective August 23, 2024. **$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.