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

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 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 5.20%
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 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.

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 February 1, 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 4.00%
Two Year $1,000.00 0.70%
Three Year $1,000.00 0.80%
Four Year $1,000.00 1.00%
Five Year $1,000.00 1.10%
Seven Year $1,000.00 1.25%
Rates Effective February 1, 2023.

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] 4.99%
Up to 60 months [Personal Loan] 4.99%
*APR means Annual Percentage Rate. Approximate loan payment at 4.99% is $423.86 on a $30,000 loan with an 84-month term. This is a deferred payment option. Interest charges still apply. Interest will begin 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 loans. Floor rate is 4.99%. 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 January 3, 2024.

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.