MEMBER ONE

PO BOX 12288
Roanoke, VA 24024

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 4035
Date Established 1940
Assets $1,044.43 million
Loans $868.38 million
Deposits $937.76 million
Capital $97.60 million

Member One is an NCUA insured institution located in Roanoke, VA. It was founded in 1940 and has approximately $1044.43 millions in assets.

Who can join?

If you live, work, worship or attend school in the state of Virginia in the following areas, you are eligible for membership: Altavista, Franklin County, Montgomery County, Radford, Vinton.

If you live, work, worship or attend school in the state of Virginia in the following areas, you may be eligible for membership: Amherst, Bedford, Botetourt, Campbell, Forest, Lynchburg, Pittsylvania County, Roanoke, Salem.

Employment Eligibility
If you are an employee of a partner company/organization, a retiree from a partner company/organization, or volunteer of a partner company/organization, you are eligible to join.

Family Eligibility
You are also eligible if you are related to a current member by family, marriage, or adoption, or you live in the household of a current member.

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.

Deposit Rates - August 26, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.70% $2,000 $9,999 Learn MoreShow Less
Money Market
1.00% $10,000 $24,999 Learn MoreShow Less
Money Market
1.60% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.50% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.00% $1,000 - Learn MoreShow Less
12 Mo CD
1.50% $1,000 - Learn MoreShow Less
18 Mo CD
1.50% $1,000 - Learn MoreShow Less
24 Mo CD
1.75% $1,000 - Learn MoreShow Less
36 Mo CD
2.00% $1,000 - Learn MoreShow Less
48 Mo CD
2.25% $1,000 - Learn MoreShow Less
60 Mo CD
2.50% $10,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.30% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $50,000 - Learn MoreShow Less

Loan Rates - August 26, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MEMBER ONE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to MEMBER ONE
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Member One branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Member One Locations


Financial Details

Member One Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Member One. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Member One U.S. Average
11.33% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Member One had $11,139,907 in non-current loans and $807,597 in owned assets. To cover these potential losses it had $97,602,465 in net worth and $7,848,512 in loans loss reserves. That gives it a Texas Ratio of 11.33%.

Net Worth
Member One U.S. Average
9.71% 13.47%

Member One FCU has a net worth of 9.71% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Member One

Branches and Savings

What is Member One?

A federal credit union, registered with the NCUA under certificate #4035.
Learn more about credit unions here.

Is Member One FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Member One?

Please see Field of Membership information above for information on who is eligible to join.

What are Member One's share account and share certificate rates?

Member One's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Member One?

Member One has total capital of $97.60 million. Full information on Member One's financial position is located above.

Who owns Member One?

Credit Unions are owned by their members.

Where are Member One branches located?

See branch locations nearby.

Are Member One ATMs Open 24/7?

Do Member One ATMs accept cash deposits?

Can Member One customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Member One have a mobile app?

Does Member One have mobile deposit?

Does Member One have quick pay?

How can Member One transfer money to other banks or credit unions?

Does Member One report to credit bureaus?

Does Member One use Chexsystems?

Does Member One use Equifax?

What is Member One's toll free phone number?

What is Member One's ACH Routing Number?

What is Member One's SWIFT code?

Where can I find Member One's wire transfer form?

What is the Member One address for deposits?

What Products Does Member One Offer

Does Member One offer mortgages?

Compare mortgage rates here.

Does Member One offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Member One offer auto and RV loans?

Compare auto loan rates here.

Does Member One offer student loans or personal loans?

Compare personal loan rates here.

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