Member One Federal Credit Union
Our records indicate that this credit union has been acquired by VIRGINIA CREDIT UNION, INC.,.
Headquarters
Po Box 12288
Roanoke, VA 24024
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2024 Overview
General Credit Union Information
Member One is an NCUA insured institution located in Roanoke, VA. It was founded in 1940 and has approximately $1648.78 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.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4035 |
| Date Established | 1940 |
| Assets | $1,648.78 million |
| Loans | $1,470.74 million |
| Deposits | $1,398.64 million |
| Capital | $157.82 million |
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 - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.40% | $10,000 | $14,999 |
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|
|
Money Market
|
0.50% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.30% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.30% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.40% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.40% | $100,000 | $199,999 |
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|
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Member One
To upload and update your bank's rates please register.
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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:
Columbus,Ohio
Member One Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 232.57 | A | View Lobby Hours | |
| 237.69 | B | View Lobby Hours | |
| 240.84 | C | View Lobby Hours | |
| 242.83 | D | View Lobby Hours | |
| 245.15 | E | View Lobby Hours | |
| 246.58 | F | View Lobby Hours | |
| 246.58 | G | View Lobby Hours | |
| 246.58 | H | View Lobby Hours | |
| 246.63 | I | View Lobby Hours | |
| 262.24 | J | View Lobby Hours | |
| 262.77 | K | View Lobby Hours | |
| 269.43 | L | View Lobby Hours |
Climate Policy and Initiatives
MEMBER ONE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 11.56% | 5.83 |
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 June 30, 2024, Member One had $17,982,522 in non-current loans and $1,087,360 in owned assets. To cover these potential losses it had $157,821,479 in net worth and $7,071,824 in loans loss reserves. That gives it a Texas Ratio of 11.56%.
Net Worth
| Member One | U.S. Average |
|---|---|
| 9.56% | 13.93% |
Member One FCU has a net worth of 9.56% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Member One
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