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Money One Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
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
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.80%
Our Rating
4.3  / 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 5/13/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 1,717th largest credit union in the nation. It was established in 1951 and as of December of 2024, it had grown to 26 employees and 7,743 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #7264
Year Chartered1951
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD3.39%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$112.4MM$121.5MM
LoansQ4 2024vs Q4 2023$81.7MM$91.2MM
DepositsQ4 2024vs Q4 2023$91.1MM$92.8MM
Equity CapitalQ4 2024vs Q4 2023$10.7MM$9.7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$849K$1.1MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$1.2MM$2MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
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
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.80%
Our Rating
4.3  / 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 5/13/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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