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We're Here to Help

We’re available when you need us, from 24/7 credit or debit card help, to live chat, email and more. Search our FAQs below!

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General Questions

No. To fully verify the closing of the loan, members must call the contact center. This ensures that members pay off the proper amount and get their necessary documentation (e.g. a car title).

You can check your balance several ways:

1) Log in to online banking and look at your account details.

2) Visit a retail center or ATM.

3) Call the Member Account Line (540-982-8809 or 1-800-666-8809).

4) Activate text banking (via online banking) and text “BAL” to 454545.

Our routing number is 251482833.

You can transfer money into another member's account in any retail center, over the phone with the Contact Center, or using the mobile app; however, you MUST have the member number for the account you want to transfer money into. For the security of our members, Member One cannot transfer money into any account without the member’s account number. If you want to transfer money to someone who isn’t a member, you can conduct external transfers via online banking. You’ll have to enter the recipient’s email or phone number, and they’ll be contacted to initiate the transfer. There is a fee for external transfers.

Please be aware that our retail centers will be closed or have limited operating hours on certain holidays.

  • Monday, January 2 - New Year's Day (observed)
  • Monday, January 16 – Martin Luther King, Jr. Day
  • Monday, February 20 – President’s Day
  • Monday, May 29 – Memorial Day
  • Monday, June 19 - Juneteenth National Independence Day
  • Tuesday, July 4 – Independence Day
  • Monday, September 4 – Labor Day
  • Monday, October 09 – Columbus Day
  • Saturday, November 11 – Veterans Day
  • Thursday, November 23 – Thanksgiving Day
  • Monday, December 25 – Christmas Day
  • Monday, January 1, 2024 - New Year's Day

Yes, we do! Please use these instructions for any wires within the United States. You will need to provide this information to the bank that is sending the wire to your Member One account.

Bank Name: Member One Federal Credit Union

Bank Address: PO Box 12288 Roanoke, VA 24024

Beneficiary Name: Name of the Member receiving the transfer

Beneficiary Address: Address of the Member receiving the transfer

Beneficiary Account #: Member One Account Number of the Member receiving the transfer

Auto Loans

By switching your auto loan to Member One, we may be able to reduce your payment.

As a member, you’re eligible for additional coverage, including:

  • Mechanical Breakdown Protection, or MBP, provides protection against mechanical breakdowns above and beyond the original manufacturer’s warranty.
  • Guaranteed Asset Protection, or GAP, covers the deficiency balance on your loan in the event of a total loss.
Business Loans

For purchase transactions, Member One requires a 20% down payment, we can finance the remaining 80% of the purchase price or the appraised value, the lesser of the two.

No, the max maturity for all of our real estate secured loans is 15 years; however, we do offer some balloon options. This means the loan still balloons at 15 years, but the payments are amortized over an extended period as far as 25 years.

You'll be financing your investment locally and receive fast decisioning based on local underwriting.

Credit Cards

You can have as many credit card accounts as you are approved for; however, the cardholder will only receive one credit card per account. If there is a secondary cardholder or authorized user on an account, each person will receive their own credit card.

Credit Card payments are due on the 5th of each month. There is no grace period for payments and a $25 late fee will be assessed on the 6th of each month.

There are three ways to complete a balance transfer. You can log in to our Online or Mobile Banking platforms and navigate to “Cardlink,” visit your local retail center, or call us at 800.666.8811. Any promotional balance consolidation checks you may receive from Member One should not be used to pay toward amounts you owe Member One. Also, any Member One transferred balances are not eligible for promotional rates.

No. You would need to apply for a new card and then complete a balance transfer of your existing card to the new card. Any balances transferred from a Member One credit card account to a new Member One credit card account will not be eligible for the introductory balance transfer rates.

Cashback amounts earned are automatically applied to your account as a statement credit each quarter in March, June, September, and December.

To redeem points, visit CURewards.com. Points can be redeemed for travel, gift cards, and merchandise rewards. While you earn one point per dollar spent, when you redeem your points, the value of the points is equated to $1.25. Your points do not expire unless you close your account. Points can be transferred to another member’s Member Premier Visa Signature Credit Card; however, points cannot be transferred to any other type of credit card offered by Member One Federal Credit Union.

After the introductory rate ends and within the first year of the standard Annual Percentage Rate, we will review your account for a potential rate reduction to a lower APR. Qualification for a rate reduction is based on timely payments to Member One and an increased FICO score to meet the guidelines of the next lowest standard APR rate.

Home Equity

Home equity is the difference between the appraised value of your home and the amount you still owe on your mortgage.

Borrowing against home equity gives you cash on hand to pay for things that matter most, whether it’s a planned home remodel or an emergency need. There are two primary options: a fixed-rate home equity loan, or a home equity line of credit.

Your home equity builds over time, but there are a few ways you might be able to build it a little faster:

- Make extra mortgage payments: If you can afford to make higher mortgage payments than your minimum or even make an extra payment each year, you will knock off money from your loan's principal!

- Home improvements: Making home renovations can increase your value as well. This can be anything from renovating your kitchen to updating your windows to adding new flooring. The list goes on! Some home improvements make a bigger impact than others, so be sure to do your research first!

Identity Theft

Typically they’re looking to steal your name, social security number, credit card information, passwords, or other sensitive identifying information.

At Member One FCU, we take every precaution to protect your personal information. And we encourage you to do the same.

Mobile Banking

Yes, you can make transfers to any Member One FCU member

Remove the app and reinstall it. If the problem persists, call 800.666.8811.

Two business days are required for processing.

Member One could impose transfer limits from your savings account each month. You may have exceeded this amount.

Go to memberonefcu.com and follow the password reset instructions.

Text message notifications are not sent in real time. Generally, they are sent at 12:00 pm ET each day.

Yes. The Smartwatch App allows you to check the balance of various accounts and the location of our ATMs and retail centers.

No, you do not. With Member One, you can download our app on your Apple or Android device and manage both your Business accounts and Personal accounts from one convenient location.

Online Banking

Signing up for online banking can be completed entirely online. Simply click the teal "Log In" button in the top right corner of any page on the Member One website. Once the pop-up box appears, click on the "Enroll in Online Banking" link near the bottom and you'll be guided through the process of setting up online banking.

If you need help, you may also:

  • Stop by any of our 15 retail centers.
  • Call our Member Contact Center at 540-982-8811 or 1-800-666-8811
Share Certificates

Simply put, not much. Credit unions issue Share Certificates to their members, while banks issue certificates of deposit (CDs) . Share Certificates are insured up to $250,000 by the National Credit Union Administration (NCUA), while CDs are insured up to the same amount by a different institution. Both are great, low-risk ways to save for big upcoming purchases. With such a high, guaranteed rate of return, they also serve as great short-term investments.

It's important to note that you once you make your initial deposit, if you access that money before the certificate matures, you won't receive all the interest you've earned on that investment. Before opening a Share Certificate, take a look at what other investment and savings options Member One has to offer!

This particular product really is second-to-none in offering low risk, as far as term, and top-tier return. Planning ahead for a dream vacation, college tuition, or something else on the horizon? This could be the financial solution for you! Due to their high rate of return, they also work wonderfully as short-term savings solutions. They work best for those who, because of the withdrawal penalty, can be without that money until the share certificate has matured.

IRA Certificate

It's a combination between a Share Certificate and an IRA. You get the low-risk benefits of a Share Certificate, combined with the tax benefits of an IRA.

Yes, investing in an IRA counts towards your total annual IRA contribution limit, which is set by the IRS.

Other Questions

Here is our information on Authorization to Pull Credit.

Here is our info on Electronic Signature Consent.

Here is our info on our Customer Identification Program.

Here is our info on Deceased Member Accounts.

Credit Score

A credit score is a three-digit number calculated to indicate your credit worthiness. The higher the score, the more credit worthy you are to a lender. Credit score is calculated from information in your credit report and takes into account whether you have been making on-time payments, your revolving debt use, length of your payment history, and other such factors. It is important to know that your score does not take your age, income, employment, marital status, or your bank account balances into account. You can learn more about credit scores and scoring models from the Consumer Financial Consumer Financial Protection Bureau website.

VantageScore® was founded by the three leading credit reporting agencies – Experian, Equifax and TransUnion. This credit score model was developed by a representative team of statisticians, analysts, and credit data experts from each of the credit reporting companies, and is used by hundreds of institutions, including credit unions, banks, credit card issuers and mortgage lenders. The VantageScore® 3.0, the score that is shown in SavvyMoney, is a newer and more popular version of VantageScore®. It is calculated on a scale of 300-850, with 300 being the lowest and 850 the highest score.

No. It's entirely free, and no credit card information is required to register.

Each credit bureau has its process for correcting inaccurate information, but every user can "File a Dispute" by clicking on the "Dispute" link within the Credit Score credit report.

No. Checking your credit score on Credit Score is a soft inquiry, which does not affect your credit score.

No. The credit score provided is intended to help you understand the factors that affect your credit score. It is not used for loan-approval purposes, or for determining loan rates. Member One loan rates and approvals are based on information provided to the Credit Union when you apply for a loan. The credit score found in that credit report may be different than the credit score you see within this tool.