One

Headquarters

380 River St
Springfield, VT 05156
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.28% 0.65% →
1-Year CD 0.50% 0.70% →
2-Year CD 0.60% 0.75% →
5-Year CD 0.80% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

One is an NCUA insured institution located in Springfield, VT. It was founded in 1952 and has approximately $209.84 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 63923
Date Established 1952
Assets $209.84 million
Loans $146.28 million
Deposits $193.21 million
Capital $16.32 million
 

Field of Membership Restrictions

Membership is open to those who live, worship or work in Windsor, Addison, Chittendon, Lamoille (Cambridge), Orange, Washington, or Grand Isle Counties ((Alburg, Grand Isle, Isle La Motte, North and South Hero) in Vermont and Sullivan County in New Hampshire.

Deposit Rates - June 12, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.01% $2,500 $4,999 Learn More
Special: 6 Mo SAV
0.05% $1 $10,000 Learn More
Special: 6 Mo SAV
0.07% $10,001 $20,000 Learn More
Special: 6 Mo SAV
0.08% $20,001 $50,000 Learn More
Special: 6 Mo SAV
0.10% $50,001 $75,000 Learn More
Special: 6 Mo SAV
0.12% $100,001 $250,000 Learn More
Special: 6 Mo SAV
0.15% $500,001 $1,000,000 Learn More
Special: 6 Mo SAV
0.28% $1,000,001 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.35% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.50% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 12, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 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 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
CIT Bank
NMLS ID: 541760
2.945% 2.875% 0.88 $2,268 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.339% 3.250% 0.63 $2,812 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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


 

Branches

Below are 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


Financial Details

One Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 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
One U.S. Average
7.97% 5.40

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 December 31, 2020, One had $1,241,600 in non-current loans and $116,604 in owned assets. To cover these potential losses it had $16,319,500 in net worth and $717,000 in loans loss reserves. That gives it a Texas Ratio of 7.97%.

Net Worth
One U.S. Average
7.77% 12.67%

One FCU has a net worth of 7.77% versus the BestCashCow average of 12.67. 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 One

Branches and Savings

What is One?

A credit union, registered with the NCUA under certificate #63923.
Learn more about credit unions here.

Is One FDIC insured?

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

Who can join One?

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

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

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 One?

One has total capital of $16.32 million. Full information on One's financial position is located above.

Who owns One?

Credit Unions are owned by their members.

Where are One branches located?

See branch locations nearby.

Are One ATMs Open 24/7?

Do One ATMs accept cash deposits?

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

Does One have a mobile app?

Does One have mobile deposit?

Does One have quick pay?

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

Does One report to credit bureaus?

Does One use Chexsystems?

Does One use Equifax?

What is One's toll free phone number?

What is One's ACH Routing Number?

What is One's SWIFT code?

Where can I find One's wire transfer form?

What is the One address for deposits?

What Products Does One Offer

Does One offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does One offer auto and RV loans?

Compare auto loan rates here.

Does One offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for One

There are currently no comments for One. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →