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 Resource One Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Resource One Credit Union's 36 Month IRA CD rates are at 3.92%, 24 Month IRA CD rates are at 3.66%, 36 Month Regular CD rates are at 3.66%, 48 Month IRA CD rates are at 3.56%, 60 Month IRA CD rates are at 3.51%. Resource One Credit Union's savings rates are at 0.10%. Resource One Credit Union's money market rates are at 0.90%. Resource One Credit Union's Personal Loan Rates are as low as 8.99%. Resource One Credit Union's Credit Card Rates are at 6.59%. MonitorBankRates evaluates the financial stability of Resource One Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.55%. Rates last updated and verified on 09/22/2026. Resource One Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Resource One Credit Union? Share your experience about Resource One Credit Union by leaving a review below, or read customer reviews before you decide to use Resource One Credit Union. 
Resource One Credit Union CD Rates
Resource One Credit Union Savings Rates
Resource One Credit Union Money Market Rates
Resource One Credit Union Auto Loan Rates
Resource One Credit Union RV, Boat and Powersport Loan Rates
Resource One Credit Union Credit Card Rates
Resource One Credit Union Personal Loan Rates
Resource One Credit Union Other Rates
Financial Health HistoryResource One Credit Union’s Texas Ratio rose from 11.22% in Q2 2023 to 12.55% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Resource One Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Resource One Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Resource One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Resource One Credit Union
Website
https://r1cu.org
Address
1200 Belleview St,
Dallas, TX 75215-1837
Phone
214-319-3100
Fax
214-272-0700
President
Karen Hart
CEO
Mary Beth Spuck
Full-Time Employees
149
Part-Time Employees
18
Branch Locations
12
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.55%
Return on Assets (ROA)
0.1462%
Return on Equity (ROE)
1.9204%
Non-Performing Loans Ratio (NPL)
1.56%
Total Assets
654,018,309
Total Amount of Shares and Deposits
602,009,872
Total Shares and Deposits < 1 Year
519,457,566
Total Shares and Deposits 1 3 Years
69,431,093
Total Shares and Deposits > 3 Years
13,121,214
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
36,932,040
Total Uninsured Shares and Deposits > $250K (F+J)
38,893,931
Total Insured Shares and Deposits > $250K (item 17 less item K)
563,115,941
Total Interest Expense (Sum of items 6 8)
1,845,476
Share Certificates
3,299
Number of Accounts for Share Drafts
44,149
IRA KEOGH Accounts
2,128
Number of Accounts for Regular Shares
76,285
All other shares
877
Non Member Deposits
63
Money Market Shares
2,124
Net Income (unless the amount is already included in Undivided Earnings)
956,107
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
82,455,356
Total Liabilities
613,225,351
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Resource One Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Resource One Credit Union
Frequently Asked Questions About Resource One Credit UnionHow many branches does Resource One Credit Union operate?Resource One Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Resource One Credit Union?Yes, to access services at Resource One Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Resource One Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Resource One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Resource One Credit Union offer online and mobile banking?Most modern institutions like Resource One Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://r1cu.org. Current Resource One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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