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Rates

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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.

Business Share Certificates

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%
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 Business 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.

Business 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.