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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Team One Credit Union Rates & Review April 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.
Read Full Bio →
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: April 12, 2026
Team One Credit Union's CDs of Deposit and IRA/Deferred Compensation CDs of Deposit 12 month rates are at 3.60%, CDs of Deposit and IRA/Deferred Compensation CDs of Deposit 48 month rates are at 3.60%, CDs of Deposit and IRA/Deferred Compensation CDs of Deposit 18 month rates are at 3.50%, CDs of Deposit and IRA/Deferred Compensation CDs of Deposit 6 month rates are at 3.50%, CDs of Deposit and IRA/Deferred Compensation CDs of Deposit 60 Month rates are at 3.50%. Team One Credit Union's savings rates are at 0.05%. Team One Credit Union's money market rates are at 0.15%. Team One Credit Union's 10 Year Fixed rates are at 5.50%, 15 Year Fixed rates are at 5.62%, 30 Year Fixed rates are at 6.00%, 20 Year Fixed rates are at 6.12%. Team One Credit Union's Personal Loan Rates are at 10.74%. MonitorBankRates evaluates the financial stability of Team One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.24%. Rates were last updated on 04/12/2026. Team 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 Team One Credit Union? Share your experience about Team One Credit Union by leaving a review below, or read customer reviews before you decide to use Team One Credit Union. 
Team One Credit Union CD Rates
Team One Credit Union Savings Rates
Team One Credit Union Money Market Rates
Team One Credit Union Checking Rates
Team One Credit Union Mortgage Rates
Team One Credit Union Home Equity & HELOC
Team One Credit Union Auto Loan Rates
Team One Credit Union Credit Card Rates
Team One Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Team 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 Team 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 Team One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Team One Credit Union
Website
https://www.teamonecu.org
Address
520 HAYDEN ST,
SAGINAW, MI 48607
Phone
989-754-6575
Fax
989-754-4249
President
Rebecca Sanchez
CEO
Derrick Barber
Full-Time Employees
145
Part-Time Employees
12
Branch Locations
11
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.24%
Return on Assets (ROA)
0.3428%
Return on Equity (ROE)
3.6150%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
751,810,553
Total Amount of Shares and Deposits
671,273,188
Total Shares and Deposits < 1 Year
623,885,059
Total Shares and Deposits 1 3 Years
35,659,547
Total Shares and Deposits > 3 Years
11,728,582
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
54,385,755
Total Uninsured Shares and Deposits > $250K (F+J)
54,385,755
Total Insured Shares and Deposits > $250K (item 17 less item K)
616,887,433
Total Interest Expense (Sum of items 6 8)
7,609,884
Share Certificates
8,728
Number of Accounts for Share Drafts
26,908
IRA KEOGH Accounts
2,008
Number of Accounts for Regular Shares
52,746
All other shares
477
Money Market Shares
2,936
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
62,406,383
Total Liabilities
678,658,801
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Team One Credit UnionIs Team One Credit Union a safe place to deposit money?Yes, Team One Credit Union is considered a safe financial institution. With a Texas Ratio of 5.2408744743175%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Team One Credit Union operate?Team 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 Team One Credit Union?Yes, to access services at Team 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, Team 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, Team One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Team One Credit Union offer online and mobile banking?Most modern institutions like Team 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://www.teamonecu.org. Current Team One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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