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Member One Federal Credit Union


Overview / Commentary
www.memberonefcu.com
540-982-8811
625 Williamson RD NE
Roanoke, VA 24016

Member One Federal Credit Union is headquartered in Roanoke and is the 11th largest credit union in the state of Virginia. It is also the 292nd largest credit union in the nation. It was established in 1940 and as of June of 2024, it had grown to 330 employees and 153,858 members at 14 locations. Member One Federal Credit Union's money market rates are 7X the national average, and it has a B+ 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.
See current membership details

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Reviews (2)

Don't Give Your Money To Frauds.

Posted by: |

Get a dog and keep your money at home. It will be far safer than giving it to MemberOne . The will let frauds steel your money and will not reimburse it. Maybe they are in cahoots with these frauds? Check out their deplorable BBB profile and yelp reviews. Learn from my expensive lesson and go elsewhere! They will monitor these reviews and all of the sudden act like they care. They had three months of me calling Member Services to care. MemberOne I will tell you the same thing your Member Services representative told me. You are SOL.

1

They Let Frauds Steel My Money.

Posted by: |

They let frauds steel my money. They admitted they were fraudulent charges but refused to reimburse me. So much for security. $600 I will never get back. They blamed my loss on me and blamed their poor customer service on their third party contractors. Wasted hours of my time, and reinsured me over a 3 month period that they everything would be fine. Here is their BBB rating.

https://www.depositaccounts.com/banks/member-one-cu.html#reviews

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Health
B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #4035
Year Chartered1940
Employees330
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.51%
Annual Interest Income$42MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.65B$1.62B
LoansQ2 2024vs Q2 2023$1.47B$1.43B
DepositsQ2 2024vs Q2 2023$1.4B$1.4B
Equity CapitalQ2 2024vs Q2 2023$155.1MM$146.1MM
Loan Loss AllowanceQ2 2024vs Q2 2023$10.1MM$10.7MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$10.8MM$6.6MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Member One Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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%*$0$500Super Squirrels Savings Account
OTHER TIERS: 0.20% → $2k+ | 0.40% → $500 - $2k
0.60%*$0$500Generation One Savings Account
OTHER TIERS: 0.20% → $2k+ | 0.40% → $500 - $2k
0.10%$250-Primary Membership Account
0.10%$100-Other Savings Account
0.10%$100-Vacation Club
0.10%$100-Christmas Club
0.10%$50-Educational IRA (Coverdell)
0.10%$50-IRA Regular Savings
0.10%$250-Business Savings

Member One Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%*$250k*-Personal Choice Plus Money Market
OTHER TIERS: 0.05% → $0 - $250k
1.00%*$250k*-Choice Money Market Shares
OTHER TIERS: 0.50% → $2k - $10k | 0.60% → $10k - $25k | 0.70% → $25k - $50k | 0.80% → $50k - $100k | 0.90% → $100k - $250k
1.00%*$250k*-Business Money Market Accounts
OTHER TIERS: 0.50% → $2k - $10k | 0.60% → $10k - $25k | 0.70% → $25k - $50k | 0.80% → $50k - $100k | 0.90% → $100k - $250k

Member One Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$50k-Checking Accounts

Member One Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-12-Month CD
4.00%$1k-Business 12-Month CD
4.00%$500-12 Month Super Squirrels Share Certificate
4.00%$500-12 Month Generation One Share Certificate
3.80%$1k-21 Month CD
3.80%$10k-60 Month CD
3.80%$1k-Business 21 Month CD
3.80%$10k-Business 60 Month CD
3.75%$10k-10 Month CD Special - New Money
3.75%$10k-Business 10 Month CD Special - New Money
3.70%$1k-15 Month CD
3.70%$1k-36 Month CD
3.70%$1k-48 Month CD
3.70%$1k-Business 15 Month CD
3.70%$1k-Business 36 Month CD
3.70%$1k-Business 48 Month CD
3.60%$1k-24 Month CD
3.60%$1k-Business 24 Month CD
3.55%$10k-13 Month CD
3.55%$10k-Business 13 Month CD
0.70%$10k-Business 19 Month CD
0.70%$10k-19 Month CD
0.60%$1k-18 Month CD
0.60%$10k-14 Month CD
0.60%$5k-11 Month CD
0.60%$5k-Business 11 Month CD
0.60%$10k-Business 14 Month CD
0.60%$1k-Business 18 Month CD
0.50%$1k-9 Month CD
0.50%$1k-Business 9 Month CD
0.45%$1k-6 Month CD
0.45%$1k-Business 6 Month CD
0.25%$1k-12 Month No Penalty CD

Member One Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-1 Year IRA
3.80%$1k-5 Year IRA
3.80%$1k-7 Year IRA
3.70%$1k-3 Year IRA
3.70%$1k-4 Year IRA
3.60%$1k-2 Year IRA
Locations

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