PAY A LOAN LOG IN PERSONAL BANKING INVESTMENTS Investments Building for the future starts with investing now. We help you with short- or long-term needs, whether you’re preparing for retirement, or just want to get more out of your money over the course of a few months or years.* Share Certificates Rates Earn a high yield with low minimum balance requirements. Competitive rates A variety of terms and investment options available Youth certificates Money Market Accounts Open Now Rates Earn more now. Our money market accounts offer tiered dividends and competitive rates, along with the following features: No minimum withdrawal amount Deposit more, earn more (dividend eligibility begins at $2,000) Easy access to funds. (Federal regulation allows for unlimited in-person withdrawals and a limit of 6 online or mobile transfers per month.) IRA Accounts Rates Prepare for tomorrow with our Traditional and ROTH IRA accounts. Traditional IRA Accounts Contributions may be tax deductible Earnings grow tax deferred until withdrawn Credit Union dividend penalties may apply based on the investment option you choose Certificate and variable investment options Roth IRA Accounts Certificate and variable investment options Contributions may be withdrawn at any time Earnings may be withdrawn tax and penalty free for a qualified reason after account is open for five years Credit Union dividend penalties may apply based on the investment option you choose No withdrawal requirements no matter how old you are Coverdell Educational IRA Accounts Contributions grow tax and penalty free if used for qualified educational expenses Funds can transfer to another child in the family if beneficiary does not go to college Variable rate programs available IRA Savings Account Rates Sometimes when you’re saving, the first step, or even just the next, can feel overwhelming. Our IRA Savings Account helps keep things simple so you can start investing today. The account works with your current budget and lifestyle needs. Automatically deposit a set amount through payroll deduction or recurring transfer. When your IRA Savings Account reaches $1000, you can transfer your funds into a high-yield IRA certificate term of your choice. Available for Traditional and Roth IRAs. Contributions are limited by federal IRA regulations. OPEN NOW Start your investment account online. Or, visit a retail center to get started today. *You may wish to consult a licensed tax advisor to discuss specific needs. You can also speak with one of our representatives to start the conversation today. Become a Member Experience the credit union difference with great options for every stage of life, modern-day conveniences you expect, and local, personalized service. LEARN MORE ABOUT CREDIT UNION MEMBERSHIP ROUTING NUMBER 251482833 CONTACT US (540) 982-8811 (800) 666-8811 CONNECT WITH US EXPLORE Personal Banking Credit Cards Loans Business Banking Partnerships Who We Are Learning Center Contact Us Become a Member Support Center Privacy Policy Terms & Conditions Membership Agreement Social Media Policy Foreclosures & Repossessions Site Map © 2021 Member One FCU Federally insured by NCUA. Member One does not provide, and is not responsible for, any information, content, performance, security or service on links to external third-party sites. At Member One FCU we are actively working to increase accessibility and usability of our website for every visitor in accordance with ADA standards and guidelines. If you are using an auxiliary aid or a screen reader and need assistance please dial 711 to be connected to a Member One representative, or call us direct at 800-666-8811. All products and services available on this website are available at all Member One FCU branches.