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Member One Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.06%4-year CD48-Month CD
1.50% - Ally Bank Raise Your Rate 4-Year CDAdvertisement
2.10%5-year CD60 Month CD
2.35% - Synchrony Bank 60 Month CDAdvertisement
0.20%1-year CD12-Month CD No Penalty
1.40% - Synchrony Bank 12 Month CDAdvertisement
View all Member One Federal Credit Union rates »

Overview / Commentary
www.memberonefcu.com
540-982-8811
202 4th St NE Bldg C
Roanoke, VA 24016

Member One Federal Credit Union is headquartered in Roanoke and is the 13th largest credit union in the state of Virginia. It is also the 326th largest credit union in the nation. It was established in 1940 and as of March of 2017, it had grown to 222 employees and 101,815 members at 13 locations. Member One Federal Credit Union's money market rates are 70% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Member One Federal Credit Union is open to those who live, work, worship or attend school in Franklin or Montgomery Counties or in Altavista, Radford, or Vinton, Virginia. Membership is also open to those who live, work, attend school or worship in select areas of Amherst, Bedford, Botetourt, Campbell, Forest, Lynchburg, Roanoke, or Salem, Viriginia or select areas of Pittsylvania County.
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Reviews (2)

I love my Credit Union

Posted by: Susan | Sep 13, 2014

I would never leave my credit union. The main objective of my credit union, like all others, is to support its customers rather than its stock holders. Credit Unions are smaller and more personal than a large bank. When I enter my Credit Union I know the employees by name and they know who I am as well. I have never been made to feel like a number when I call; instead I am treated as if I am the most important person that has contacted them all day. My credit union has given me the best rates when I bought a car, and was first in line to offer me an outstanding rate on my home improvement loan. I have one of the largest banks and despite the benefit of lowered rates on their services for being an employee as well as the country wide availability of ATMs and branches, they still couldn't meet the level of service or competitive rates offered by my local credit union.

1

Long Time Customer, Always Happy With Service

Posted by: WilliamWallace | Nov 28, 2016

My wife and I have had a checking and savings account with MemberOne FCU for over a decade. They've never charged unreasonable fees and there are enough locations in our area that convenience is not a problem. The staff is always efficient whether you're visiting inside, going through the drive-thru, or banking online. Their online services allow you to keep track of your spending without keeping a written account. It also allows you to move money between accounts or pay your bills. Currently my paycheck is direct deposited into my MemberOne account. I also have a visa check/debit card from MemberOne so I rarely ever have to carry cash. If I need to check my balance I can do so over the phone or through my mobile browser in just a few minutes. Overall, I'm completely satisfied with MemberOne Credit Union.

1


Health
A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #4035
Year Chartered1940
Employees222
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD7.82%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$863.3MM$778.3MM
LoansQ1 2017vs Q1 2016$696.4MM$603.2MM
DepositsQ1 2017vs Q1 2016$777.8MM$699.9MM
Equity CapitalQ1 2017vs Q1 2016$77.9MM$73.3MM
Loan Loss AllowanceQ1 2017vs Q1 2016$8.2MM$6.9MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$5.0MM$6.1MM
Real Estate OwnedQ1 2017vs Q1 2016$261.00K$337.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Member One Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*-$500Super Squirrels Savings Account
OTHER TIERS: 0.20% → $2k+ | 0.40% → $500 - $2k
0.60%*-$500Generation One Savings Account
OTHER TIERS: 0.20% → $2k+ | 0.40% → $500 - $2k
0.30%$50-Variable Educational(Coverdell) IRA
0.30%$50-Variable IRA Account
0.30%$50-IRA Builder Account
0.10%$250-Primary Membership Account
0.10%$100-Other Savings Account
0.10%$100-Vacation Club
0.10%$100-Christmas Club
0.10%$100-Teacher's Club
0.10%*$50k*-Campus Advantage Checking Account
OTHER TIERS: 0.05% → $25k - $50k

Member One Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-Choice Money Market
OTHER TIERS: 0.25% → $2k - $10k | 0.30% → $10k - $25k | 0.45% → $25k - $50k | 0.55% → $50k - $100k

Member One Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$50k-One Choice Checking Account

Member One Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$10k-60 Month CD
2.06%$100k-48-Month CD
1.65%$100k-36-Month CD
1.35%$25k-14-Month CD
1.15%$100k-21-Month CD
1.15%$100k-24-Month CD
0.95%$100k-6-Month CD
0.95%$100k-9-Month CD
0.95%$100k-12-Month CD
0.95%$100k-15-Month CD
0.95%$100k-18-Month CD
0.80%$500-Generation One and Squirrels Club Certificate
0.20%$1k-12-Month CD No Penalty

Member One Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$1k-7 Year IRA
2.00%$1k-5 Year IRA
1.60%$1k-4 Year IRA
1.30%$1k-3 Year IRA
1.00%$1k-2 Year IRA
0.70%$1k-1 Year IRA
Locations

Member One Federal Credit Union has 13 locations. Click to view all Member One Federal Credit Union locations.