PAY A LOAN LOG IN PERSONAL BANKING RATES Rates Checking Accounts Built around the must-haves in life: convenience, predictability, and getting more from your money. Amount on Deposit Nominal Dividend Rate Annual Percentage Yield (APY) $0.00 – $49,999.99 0.00% 0.00% $50,000.00 and up 0.045% 0.05% Savings Accounts Earn the dividends you deserve (and that the piggy bank won’t give you). Account Type Minimum on Deposit to Earn Dividends Nominal Dividend Rate Annual Percentage Yield (APY) Primary Membership Account $250.00 0.095% 0.10% Other Savings Account $100.00 0.095% 0.10% Vacation Club Savings $100.00 0.095% 0.10% Christmas Club Savings $100.00 0.095% 0.10% Youth Accounts 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 Nominal Dividend Rate Annual Percentage Yield (APY) Super Squirrels Savings Account Tier 1 $0.00 – $499.99 0.595% 0.60% Tier 2 $500.00 – $1,999.99 0.395% 0.40% Tier 3 $2,000.00 and up 0.195% 0.20% Generation One Savings Account Tier 1 $0.00 – $499.99 0.595% 0.60% Tier 2 $500.00 – $1,999.99 0.395% 0.40% Tier 3 $2,000.00 and up 0.195% 0.20% Choice Money Market Shares Earn more now with tiered dividends and competitive rates. Term Deposit Range* Dividend Rate Annual Percentage Yield (APY) Tier 1 $2,000.00 – $9,999.99 0.099% 0.10% Tier 2 $10,000.00 – $24,999.99 0.199% 0.20% Tier 3 $25,000.00 – $49,999.99 0.249% 0.25% Tier 4 $50,000.00 – $99,999.99 0.299% 0.30% Tier 5 $100,000.00 - $249,999.99 0.349% 0.35% Tier 6 $250,000.00 and up 0.399% 0.40% Share Certificates High yield with a low minimum balance requirement. Term Minimum Balance Dividend Rate Annual Percentage Yield (APY) 6-Month $1,000.00 0.148% 0.15% 9-Month $1,000.00 0.198% 0.20% 11-Month $5,000.00 0.298% 0.30% 12-Month $1,000.00 0.298% 0.30% 12-Month No Penalty $1,000.00 0.245% 0.25% 14-Month $10,000.00 0.298% 0.30% 15-Month $1,000.00 0.298% 0.30% 18-Month $1,000.00 0.298% 0.30% 19-Month $10,000.00 0.395% 0.40% 21-Month $1,000.00 0.395% 0.40% 24-Month $1,000.00 0.395% 0.40% 36-Month $1,000.00 0.595% 0.60% 48-Month $1,000.00 0.695% 0.70% 60-Month $10,000.00 0.795% 0.80% Super Squirrels and Generation One Certificates $500.00 0.348% 0.35% IRA Savings Account Built to keep things simple so you can start investing now. Type Minimum Balance Dividend Rate Annual Percentage Yield (APY) IRA Regular Savings $50.00 0.095% 0.10% Educational IRA (Coverdell) $50.00 0.095% 0.10% Traditional / Roth IRA Certificates Prepare for retirement, and even take advantage of tax deductions.* Term Minimum Balance Dividend Rate Annual Percentage Yield (APY) One Year $1,000.00 0.298% 0.30% Two Year $1,000.00 0.395% 0.40% Three Year $1,000.00 0.595% 0.60% Four Year $1,000.00 0.695% 0.70% Five Year $1,000.00 0.795% 0.80% Seven Year $1,000.00 0.995% 1.00% For more information about our rates, please contact us at 800-666-8811 or visit a Member One retail center location. OPEN YOUR ACCOUNT Get started online. Rates Effective November 1, 2021. APY is Annual Percentage Yield. Refer to the Member Account Agreement for the 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. *Consult a tax professional for more information. 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.