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Attention Members: A credit and debit card fraud ring is currently impacting our members. Be aware of scammers calling, texting, and emailing, asking for your account or card number, pretending to be from Member One. NEVER give out this personal information over the phone or if it's solicited via text or email. Protect yourself and please call us directly at 800.666.8811 if you have any questions.

Rates

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Personal Checking Accounts

Built around the must-haves in life: convenience, predictability, and getting more from your money.

Amount on Deposit Annual Percentage Yield (APY)
$0.00 – $49,999.99 0.00%
$50,000.00 and up 0.05%
Rates Effective February 1, 2023.

Personal Savings Accounts

Earn the dividends you deserve (and that the piggy bank won’t give you).

Account Type Minimum on Deposit to Earn Dividends Annual Percentage Yield (APY)
Primary Membership Account $250.00 0.10%
Other Savings Account $100.00 0.10%
Vacation Club Savings $100.00 0.10%
Christmas Club Savings $100.00 0.10%
Rates Effective February 1, 2023.

Super Squirrels Youth Accounts (Ages 12 and Under)

If the kids already swear they’re smarter than you are, help them prove it with an account that supports smart money decisions.

Account Type Minimum on Deposit to Earn Dividends Annual Percentage Yield (APY)
Tier 1 $0.00 – $499.99 0.60%
Tier 2 $500.00 – $1,999.99 0.40%
Tier 3 $2,000.00 and up 0.20%
Rates Effective February 1, 2023.

Generation One Teen Accounts (Ages 13-18)

Help your teen learn to handle money and save for the future, they are our next generation after all!

Account Type Minimum on Deposit to Earn Dividends Annual Percentage Yield (APY)
Tier 1 $0.00 – $499.99 0.60%
Tier 2 $500.00 – $1,999.99 0.40%
Tier 3 $2,000.00 and up 0.20%
Rates Effective February 1, 2023.

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 Choice Plus Money Market Account

Dividend Earnings Tier Minimum Balance to Earn Dividends Annual Percentage Yield (APY)
Tier 1 Less than $250,000.00 0.05%
Tier 2 $250,000.00 and up 3.10%
Rates Effective October 1, 2024. At least $250,000.00 is required for an opening deposit. 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 3.75%
11-Month $5,000.00 0.60%
12-Month $1,000.00 4.00%
12-Month No Penalty $1,000.00 0.25%
13-Month $10,000.00 3.55%
14-Month $10,000.00 0.60%
15-Month $1,000.00 3.70%
18-Month $1,000.00 0.60%
19-Month $10,000.00 0.70%
21-Month $1,000.00 3.80%
24-Month $1,000.00 3.60%
36-Month $1,000.00 3.70%
48-Month $1,000.00 3.70%
60-Month $10,000.00 3.80%
Rates Effective October 18, 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 4.00%
Generation One (12-month Share Certificate) $500.00 4.00%
Rates Effective October 18, 2024.

IRA Certificates

Prepare for retirement, and even take advantage of tax deductions.

Term Minimum Balance Annual Percentage Yield (APY)
One Year $1,000.00 4.00%
Two Year $1,000.00 3.60%
Three Year $1,000.00 3.70%
Four Year $1,000.00 3.70%
Five Year $1,000.00 3.80%
Seven Year $1,000.00 3.80%
Rates Effective October 18, 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.

Swap Your Loan

Transfer your auto or personal loan to Member One and you could save up to 2%* on your interest rate. Plus, you won’t have to make a payment for 90 days.

Term APR as low as**
Up to 84 months [Auto Loan] 5.24%
Up to 60 months [Personal Loan] 5.24%
*APR means Annual Percentage Rate. Approximate loan payment at 5.24% is $428.32 on a $30,000 loan with an 84-month term. This is a deferred payment option. Interest begins to accrue at loan disbursement. Deferred payment options may not apply to all loan products. Discounts/savings based on your current rate at another institution. Any available discounts “up to 2%” may be applied to your current APR. Discounts may vary based on loan type and creditworthiness. Discounts are not applicable for home equity, mortgage, credit card loans, or existing Member One or Virginia Credit Union loans. Floor rate is 5.24%. Please call 800-666-8811 for a full list of restrictions that may apply. Not all applicants will qualify for the lowest rate. Programs, rates, terms, and conditions are subject to change without notice. **Loan must have 90 days of payment history on credit report. Terms will vary based on year of the vehicle. Effective October 21, 2024.

Personal Loans

Type Term Annual Percentage Rate (APR)*
Personal Loan Up to 60 months 10.99% – 17.99%
MoneyLine Line of Credit N/A 11.99% – 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 April 8, 2024.