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Money One Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.moneyonefcu.org
301-925-4600
9800 Technology Way
Largo, MD 20774

Money One Federal Credit Union is headquartered in LARGO and is the 33rd largest credit union in the state of Maryland. It is also the 1,709th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 26 employees and 7,324 members at 1 location. Money One Federal Credit Union's money market rates are 8X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Money One Federal Credit Union is open to the following: (1) those who live in any of the following Prince George's County, Maryland Zip Codes: 20607; 20608; 20613; 20623; 20705; 20706; 20707; 20708; 20710; 20712; 20715; 20716; 20720; 20721; 20722; 20735; 20737; 20740; 20743; 20744; 20745; 20746; 20747; 20748; 20762; 20769; 20770; 20772; 20774; 20781; 20782; 20783; 20784; 20785; (2) through joining Gifts for Easter Seals (must bring a completed donation form to one of the Credit Union's offices); (3) employees or members of over 100 area Select Employer Groups.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #7264
Year Chartered1951
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD0%
Return on Equity - YTD0.02%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$114.9MM$120.1MM
LoansQ1 2025vs Q1 2024$78.2MM$89.2MM
DepositsQ1 2025vs Q1 2024$93.1MM$94.1MM
Equity CapitalQ1 2025vs Q1 2024$10.9MM$10.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$709K$1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$804K$1.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Money One Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Share Savings Account
0.05%$0-Business Savings Account
0.05%$0-Vacation Club
0.05%$0-Holiday Club
0.05%$0-Personal Club

Money One Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$100k*-Premium Insured Money Market Account
OTHER TIERS: 0.05% → $0 - $25k | 0.50% → $25k - $50k | 1.00% → $50k - $100k
2.50%*$100k*-Insured Money Market Account
OTHER TIERS: 0.05% → $2.5k - $10k | 0.25% → $10k - $20k | 0.50% → $20k+
0.40%*$100k*-Premium Business Insured Money Market Account
OTHER TIERS: 0.05% → $0 - $25k | 0.25% → $25k - $50k | 0.30% → $50k - $100k
0.40%*$20k*-Business Insured Money Market Account
OTHER TIERS: 0.30% → $2.5k - $10k | 0.35% → $10k - $20k

Money One Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$0$11kEarn Checkiing
OTHER TIERS: 0.25% → $11k+
0.05%$0-Business Interest Checking

Money One Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.31%*$100k*-1 Year Share Certificate
OTHER TIERS: 2.01% → $1k - $10k | 2.11% → $10k - $50k | 2.21% → $50k - $100k
2.31%*$100k*-18 Month Share Certificate
OTHER TIERS: 2.01% → $1k - $10k | 2.11% → $10k - $50k | 2.21% → $50k - $100k
2.06%*$100k*-2 Year Share Certificate
OTHER TIERS: 1.76% → $1k - $10k | 1.86% → $10k - $50k | 1.96% → $50k - $100k
1.93%*$100k*-3 Year Share Certificate
OTHER TIERS: 1.63% → $1k - $10k | 1.73% → $10k - $50k | 1.83% → $50k - $100k
1.93%*$100k*-5 Year Share Certificate
OTHER TIERS: 1.56% → $1k - $10k | 1.73% → $10k - $50k | 1.83% → $50k - $100k
1.86%*$100k*-4 Year Share Certificate
OTHER TIERS: 1.56% → $1k - $10k | 1.66% → $10k - $50k | 1.76% → $50k - $100k

Money One Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%$25-1 Year IRA Certificate
2.01%$25-18 Month IRA Certificate
1.76%$25-2 Year IRA Certificate
1.63%$25-3 Year IRA Certificate
1.63%$25-5 Year IRA Certificate
1.56%$25-4 Year IRA Certificate
0.15%*$20k*-IRA Savings Account
OTHER TIERS: 0.05% → $1 - $2.5k | 0.10% → $2.5k - $20k
Locations


Money One Federal Credit Union Locations
Branch Office9800 Technology WayLargo, MD 20774

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