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
|
0.40%
|
|
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 January 1, 2025. 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
|
2.70%
|
Rates Effective November 1, 2025. 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
|
$500.00
|
2.25%
|
|
9-Month
|
$1,000.00
|
0.50%
|
|
10-Month**
|
$10,000.00
|
1.00%
|
|
11-Month
|
$5,000.00
|
0.60%
|
|
12-Month
|
$500.00
|
3.65%
|
|
12-Month No Penalty
|
$500.00
|
0.25%
|
|
13-Month
|
$10,000.00
|
1.00%
|
|
14-Month
|
$500.00
|
0.60%
|
|
15-Month
|
$1,000.00
|
1.00%
|
|
18-Month
|
$1,000.00
|
0.60%
|
|
19-Month
|
$10,000.00
|
0.70%
|
|
21-Month
|
$1,000.00
|
2.50%
|
|
24-Month
|
$500.00
|
3.50%
|
|
36-Month
|
$500.00
|
3.45%
|
|
48-Month
|
$500.00
|
3.45%
|
|
60-Month
|
$500.00
|
3.50%
|
Rates Effective October 24, 2025. **$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
|
3.65%
|
|
Generation One (12-month Share Certificate)
|
$500.00
|
3.65%
|
Rates Effective October 24, 2025.
IRA Certificates
Prepare for retirement, and even take advantage of tax deductions.
| Term |
Minimum Balance |
Annual Percentage Yield (APY) |
|
One Year
|
$100.00
|
3.65%
|
|
Two Year
|
$100.00
|
3.50%
|
|
Three Year
|
$100.00
|
3.45%
|
|
Four Year
|
$100.00
|
3.45%
|
|
Five Year
|
$100.00
|
3.50%
|
|
Seven Year
|
$100.00
|
3.70%
|
Rates Effective October 24, 2025.
Personal Loans
| Type |
Term |
Annual Percentage Rate (APR)* |
|
Personal Loan
|
Up to 60 months
|
10.24% – 17.24%
|
|
MoneyLine Line of Credit
|
N/A
|
11.99% – 17.99%
|
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $253.28 on a $10,000 loan with a 60-month term and a 17.24% 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 October 22, 2025.
Personal Credit Cards
Our credit cards are now offered exclusively through Virginia Credit Union (Member One is a division of Virginia Credit Union). For information on the various card options, their rates, and to apply, visit
vacu.org/creditcards. If you'd prefer to work directly with a Lending Advisor to help you apply for a Virginia Credit Union card, they are available to assist
at
540-736-6267.