Rates
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 | 3.00% |
Rates Effective December 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.
IRA Certificates
Prepare for retirement, and even take advantage of tax deductions.
| Term | Minimum Balance | Annual Percentage Yield (APY) |
|---|---|---|
| One Year | $1,000.00 | 3.90% |
| 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 December 20, 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.
Auto Loans
For auto loans on cars and trucks.
| Term | APR as low as* | |
|---|---|---|
| Up to 66 months | 6.00% |
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $536.08 on a $30,000 new auto loan with a 66-month term at 6.00%. Rates and terms available for vehicles with up to 175,000 miles. Rates and terms may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective November 11, 2024.