What are the current interest rates at Money One Federal Credit Union?

Current rates for Money One Federal Credit Union include: 12-Month CD: 1.98%, 18-Month CD: 1.98%, 24-Month CD: 1.86%, 60-Month CD: 1.63%, Savings: 0.05%, MMA: 3.50%

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Money One Federal Credit Union

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Money One Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Money One Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Money One Federal Credit Union's top rates as of October 12, 2026 are 2.28% APY on its 1 Year CDs CD, 0.05% APY on savings, 3.50% APY on money market accounts, 1.00% APY on checking, and personal loans from 12.70% APR, according to rates verified by MonitorBankRates. Other Money One Federal Credit Union CD rates include 18 Month CDs at 2.28%, 1 Year CDs at 2.18%, and 18 Month CDs at 2.18%. MonitorBankRates evaluates the financial stability of Money One Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.28%. Rates last updated and verified on 10/12/2026.

Money One Federal 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 Money One Federal Credit Union? Share your experience about Money One Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Money One Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.28%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Money One Federal Credit Union
MONEY ONE FCU

9800 TECHNOLOGY WAY
LARGO, MD 20774

https://www.moneyonefcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Money One Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Certificates	-	2.28%	1 year
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.26% → 2.28% ▲ 0.02 pts · high 2.28% / low 2.26% Oct 4, 20262.28%▲ from 2.26% Sep 12, 20262.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
18 Month Certificates	-	2.28%	18 months
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.26% → 2.28% ▲ 0.02 pts · high 2.28% / low 2.26% Oct 4, 20262.28%▲ from 2.26% Sep 12, 20262.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
1 Year Certificates	-	2.18%	1 year
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 2.16% → 2.18% ▲ 0.02 pts · high 2.18% / low 2.16% Oct 4, 20262.18%▲ from 2.16% Sep 17, 20262.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
18 Month Certificates	-	2.18%	18 months
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 2.16% → 2.18% ▲ 0.02 pts · high 2.18% / low 2.16% Oct 4, 20262.18%▲ from 2.16% Sep 17, 20262.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
2 Year Certificates	-	2.16%	2 years
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.12% → 2.16% ▲ 0.04 pts · high 2.16% / low 2.12% Oct 4, 20262.16%▲ from 2.12% Sep 12, 20262.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
1 Year Certificates	-	2.08%	1 year
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 2.06% → 2.08% ▲ 0.02 pts · high 2.08% / low 2.06% Oct 4, 20262.08%▲ from 2.06% Sep 17, 20262.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
18 Month Certificates	-	2.08%	18 months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 2.06% → 2.08% ▲ 0.02 pts · high 2.08% / low 2.06% Oct 4, 20262.08%▲ from 2.06% Sep 17, 20262.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
2 Year Certificates	-	2.06%	2 years
Min Balance $50,000 Details Balance: $50,000 - $99,000 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 2.02% → 2.06% ▲ 0.04 pts · high 2.06% / low 2.02% Oct 4, 20262.06%▲ from 2.02% Sep 17, 20262.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
1 Year Certificates	-	1.98%	1 year
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.96% → 1.98% ▲ 0.02 pts · high 1.98% / low 1.96% Oct 4, 20261.98%▲ from 1.96% Sep 17, 20261.96%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
1 Year IRA Certificates	-	1.98%	1 year
Details IRAs (not tiered) Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.01% → 1.98% ▼ 0.03 pts · high 2.01% / low 1.98% Oct 4, 20261.98%▼ from 2.01% Sep 12, 20262.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
18 Month Certificates	-	1.98%	18 months
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.96% → 1.98% ▲ 0.02 pts · high 1.98% / low 1.96% Oct 4, 20261.98%▲ from 1.96% Sep 17, 20261.96%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
18 Month IRA Certificates	-	1.98%	18 months
Details IRAs (not tiered) Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.01% → 1.98% ▼ 0.03 pts · high 2.01% / low 1.98% Oct 4, 20261.98%▼ from 2.01% Sep 12, 20262.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
2 Year Certificates	-	1.96%	2 years
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.92% → 1.96% ▲ 0.04 pts · high 1.96% / low 1.92% Oct 4, 20261.96%▲ from 1.92% Sep 17, 20261.92%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
5 Year Certificates	-	1.93%	5 years
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.91% → 1.93% ▲ 0.02 pts · high 1.93% / low 1.91% Oct 4, 20261.93%▲ from 1.91% Sep 12, 20261.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
3 Year Certificates	-	1.91%	3 Years
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.89% → 1.91% ▲ 0.02 pts · high 1.91% / low 1.89% Oct 4, 20261.91%▲ from 1.89% Sep 12, 20261.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
2 Year Certificates	-	1.86%	2 years
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.82% → 1.86% ▲ 0.04 pts · high 1.86% / low 1.82% Oct 4, 20261.86%▲ from 1.82% Sep 17, 20261.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
2 Year IRA Certificates	-	1.86%	2 years
Details IRAs (not tiered) Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.76% → 1.86% ▲ 0.10 pts · high 1.86% / low 1.76% Oct 4, 20261.86%▲ from 1.76% Sep 12, 20261.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRA Certificates - 2 Years	-	1.86%	2 years
Details IRAs (not tiered); Other certificate dividends are compounded and credited monthly; Fees may reduce earnings; There is a penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
4 Year Certificates	-	1.83%	4 years
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.82% → 1.83% ▲ 0.01 pts · high 1.83% / low 1.82% Oct 4, 20261.83%▲ from 1.82% Sep 12, 20261.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
5 Year Certificates	-	1.83%	5 years
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.81% → 1.83% ▲ 0.02 pts · high 1.83% / low 1.81% Oct 4, 20261.83%▲ from 1.81% Sep 17, 20261.81%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
3 Year Certificates	-	1.81%	3 Years
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.79% → 1.81% ▲ 0.02 pts · high 1.81% / low 1.79% Oct 4, 20261.81%▲ from 1.79% Sep 17, 20261.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
4 Year Certificates	-	1.73%	4 years
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.72% → 1.73% ▲ 0.01 pts · high 1.73% / low 1.72% Oct 4, 20261.73%▲ from 1.72% Sep 17, 20261.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
5 Year Certificates	-	1.73%	5 years
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.71% → 1.73% ▲ 0.02 pts · high 1.73% / low 1.71% Oct 4, 20261.73%▲ from 1.71% Sep 17, 20261.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
3 Year Certificates	-	1.71%	3 Years
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.69% → 1.71% ▲ 0.02 pts · high 1.71% / low 1.69% Oct 4, 20261.71%▲ from 1.69% Sep 17, 20261.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
4 Year Certificates	-	1.63%	4 years
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.62% → 1.63% ▲ 0.01 pts · high 1.63% / low 1.62% Oct 4, 20261.63%▲ from 1.62% Sep 17, 20261.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
5 Year Certificates	-	1.63%	5 years
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.61% → 1.63% ▲ 0.02 pts · high 1.63% / low 1.61% Oct 4, 20261.63%▲ from 1.61% Sep 17, 20261.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
5 Year IRA Certificates	-	1.63%	5 years
Details IRAs (not tiered) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.63% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRA Certificates - 5 Years	-	1.63%	5 years
Details IRAs (not tiered); Other certificate dividends are compounded and credited monthly; Fees may reduce earnings; There is a penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
3 Year Certificates	-	1.61%	3 Years
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.59% → 1.61% ▲ 0.02 pts · high 1.61% / low 1.59% Oct 4, 20261.61%▲ from 1.59% Sep 17, 20261.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
3 Year IRA Certificates	-	1.61%	3 years
Details IRAs (not tiered) Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.63% → 1.61% ▼ 0.02 pts · high 1.63% / low 1.61% Oct 4, 20261.61%▼ from 1.63% Sep 12, 20261.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRA Certificates - 3 Years	-	1.61%	3 years
Details IRAs (not tiered); Other certificate dividends are compounded and credited monthly; Fees may reduce earnings; There is a penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
4 Year Certificates	-	1.53%	4 years
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 1.52% → 1.53% ▲ 0.01 pts · high 1.53% / low 1.52% Oct 4, 20261.53%▲ from 1.52% Sep 17, 20261.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
4 Year IRA Certificates	-	1.53%	4 years
Details IRAs (not tiered) Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.56% → 1.53% ▼ 0.03 pts · high 1.56% / low 1.53% Oct 4, 20261.53%▼ from 1.56% Sep 12, 20261.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRA Certificates - 4 Years	-	1.53%	4 years
Details IRAs (not tiered); Other certificate dividends are compounded and credited monthly; Fees may reduce earnings; There is a penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	-	0.05%
Details Balance: Any Balance; For anyone planning ahead to the holidays or summer vacation. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Standard Savings	-	0.05%
Details For families who want to save for the future. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	-	0.05%
Details For entrepreneurs planning ahead. Any Balance. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Insured Money Market Account	-	3.50%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Insured Money Market Account	-	1.25%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Premium Insured Money Market Account	-	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Insured Money Market Account	-	0.50%
Min Balance $20,000 Details Balance: $20,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Premium Insured Money Market Account	-	0.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 0.50% → 0.50% ▼ 0.00 pts · high 1.00% / low 0.50% Oct 4, 20260.50%▼ from 1.00% Sep 20, 20261.00%▲ from 0.50% Sep 17, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Insured Money Market Account	-	0.40%
Min Balance $20,000 Details Balance: Over $20,000; For those who want a higher return on their investment. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.50% → 0.40% ▼ 0.10 pts · high 0.50% / low 0.40% Sep 18, 20260.40%▼ from 0.50% Sep 12, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Insured Money Market Account	-	0.35%
Min Balance $10,000 Details Balance: $10,000 - $19,999; For those who want a higher return on their investment. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Insured Money Market Account	-	0.30%
Min Balance $2,500 Details Balance: $2,500 - $9,999; For those who want a higher return on their investment. Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 0.30% → 0.30% ▼ 0.00 pts · high 0.40% / low 0.30% Oct 4, 20260.30%▼ from 0.40% Sep 18, 20260.40%▲ from 0.30% Sep 12, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Insured Money Market Account	-	0.25%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Insured Money Market Account	-	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 0.30% → 0.05% ▼ 0.25 pts · high 1.25% / low 0.05% Oct 4, 20260.05%▼ from 1.25% Sep 18, 20261.25%▲ from 0.30% Sep 12, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Premium Insured Money Market Account	-	0.05%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union Business Money Market Rates

Product	Rate	APY
Premium Business Insured Money Market Account	-	0.40%
Min Balance $100,000 Details Balance: Over $100,000; For those who want more from their Money Market Account. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Premium Business Insured Money Market Account	-	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; For those who want more from their Money Market Account. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Premium Business Insured Money Market Account	-	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999; For those who want more from their Money Market Account. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Premium Business Insured Money Market Account	-	0.05%
Min Balance $0 Details Balance: $0 - $24,999; For those who want more from their Money Market Account. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union Checking Rates

Product	Rate	APY
Earn Checking	-	1.00%
Details Qualifying balance up to $11,000.00 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.25% → 1.00% ▲ 0.75 pts · high 1.00% / low 0.25% Oct 12, 20261.00%▲ from 0.25% Sep 12, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Earn Checking	-	0.25%
Min Balance $11,000 Details Balance: Over $11,000.01 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Interest Checking	-	0.05%
Details For business owners who want to earn interest on any balance. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.24%
Details As Low As; Auto loan (new and used vehicles); Terms up to 7 years; Membership Eligibility required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck - Up to 24 months Loan	-	-	4.24%	Up to 24 months
Details Comments: Up to 135% of Car Value Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck Loan	-	-	4.24%	Up to 24 months
Details Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck - Up to 36 months Loan	-	-	4.49%	Up to 36 months
Details Comments: Up to 135% of Car Value Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck Loan	-	-	4.49%	Up to 36 months
Details Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck - Up to 48 months Loan	-	-	5.74%	Up to 48 months
Details Comments: Up to 135% of Car Value Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck Loan	-	-	5.74%	Up to 48 months
Details Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck - Up to 60 months Loan	-	-	5.99%	Up to 60 months
Details Comments: Up to 135% of Car Value (Minimum $15,000) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck Loan	-	-	5.99%	Up to 60 months
Details Up to 135% of Car Value (Minimum $15,000); APR varies by credit history, term and percentage of purchase price Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck - Up to 72 months Loan	-	-	6.49%	Up to 72 months
Details Comments: Up to 135% of Car Value (Minimum $35,000) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck Loan	-	-	6.49%	Up to 72 months
Details Up to 135% of Car Value (Minimum $35,000); APR varies by credit history, term and percentage of purchase price Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck - Up to 84 months Loan	-	-	7.24%	Up to 84 months
Details Comments: Up to 135% of Car Value (Minimum $45,000) Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
New/Used Car or Truck Loan	-	-	7.24%	Up to 84 months
Details Up to 135% of Car Value (Minimum $45,000); APR varies by credit history, term and percentage of purchase price Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boats Loan	-	10.50%
Details Anyone who wants to be called captain; APR varies by credit history, term and percentage of purchase price Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Motorcycle Loan	-	10.50%
Details For those who love the freedom of the open road; APR varies by credit history, term and percentage of purchase price Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
Recreational Vehicles Loan	-	10.50%
Details For families who want to see America; APR varies by credit history, term and percentage of purchase price Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature (fixed)	12.70%
Details For anyone interested in a quick and easy loan. All personal loans approved in the amount of $2,999.00 or less will be granted at an 18.00% APR. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.70% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Money One Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	12.70%
Details For anyone who needs immediate access to funds. Minimum $500.00, open ended. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRA Certificates - 18 Months	-	-	1.98%	18 months
Details IRAs (not tiered); Other certificate dividends are compounded and credited monthly; Fees may reduce earnings; There is a penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.98% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRAs	-	-	0.15%
Min Balance $20,000 Details Balance: Over $20,000; Outside employer's plan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRAs	-	-	0.10%
Min Balance $2,500 Details Balance: $2,500 - $19,999; Outside employer's plan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%
IRAs	-	-	0.05%
Min Balance $1 Details Balance: $1 - $2,499; Outside employer's plan Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.28%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Money One Federal Credit Union’s Texas Ratio fell from 12.18% in Q3 2023 to 6.28% in Q2 2026, so its financial health has improved 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$105M	6.28%	5.0	A
March 31, 2026	$108M	6.63%	5.0	A
December 31, 2025	$106M	10.46%	5.0	A
September 30, 2025	$107M	10.38%	5.0	A
June 30, 2025	$109M	9.19%	5.0	A
March 31, 2025	$115M	5.77%	5.0	A+
December 31, 2024	$112M	8.80%	5.0	A
September 30, 2024	$110M	11.07%	5.0	A
June 30, 2024	$114M	10.24%	5.0	A
March 31, 2024	$120M	7.80%	5.0	A
December 31, 2023	$121M	14.61%	5.0	A-
September 30, 2023	$126M	12.18%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Money One Federal 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 Money One Federal 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 Money One Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Money One Federal Credit Union

Website https://www.moneyonefcu.org

Address 9800 TECHNOLOGY WAY, LARGO, MD 20774

Phone 301-925-4600

Fax 301-925-9077

President Margaret Phillips

CEO Beverly Zook

Full-Time Employees 19

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.28%

Return on Assets (ROA)

0.1700%

Return on Equity (ROE)

1.4554%

Non-Performing Loans Ratio (NPL)

1.06%

Total Assets

105,468,925

Total Amount of Shares and Deposits

87,884,555

Total Shares and Deposits < 1 Year

74,268,809

Total Shares and Deposits 1 3 Years

11,465,246

Total Shares and Deposits > 3 Years

2,150,500

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,735,156

Total Uninsured Shares and Deposits > $250K (F+J)

1,735,156

Total Insured Shares and Deposits > $250K (item 17 less item K)

86,149,399

Total Interest Expense (Sum of items 6 8)

712,933

Share Certificates

177

Number of Accounts for Share Drafts

3,279

IRA KEOGH Accounts

261

Number of Accounts for Regular Shares

6,591

All other shares

147

Non Member Deposits

Money Market Shares

157

Net Income (unless the amount is already included in Undivided Earnings)

179,268

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)

5,342,926

Total Liabilities

93,666,752

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Money One Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Money One Federal Credit Union

How many branches does Money One Federal Credit Union operate?

Money One Federal 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 Money One Federal Credit Union?

Yes, to access services at Money One Federal 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, Money One Federal 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, Money One Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Money One Federal Credit Union offer online and mobile banking?

Most modern institutions like Money One Federal 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.moneyonefcu.org.

Current Money One Federal Credit Union Rates

12-Month CD1.98%
18-Month CD1.98%
24-Month CD1.86%
60-Month CD1.63%
Savings0.05%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Money One Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Money One Federal Credit Union Texas Ratio

Money One Federal Credit Union Health Trend

Money One Federal Credit Union CD Rates

Money One Federal Credit Union Savings Rates

Money One Federal Credit Union Business Savings Rates

Money One Federal Credit Union Money Market Rates

Money One Federal Credit Union Business Money Market Rates

Money One Federal Credit Union Checking Rates

Money One Federal Credit Union Business Checking Rates

Money One Federal Credit Union Auto Loan Rates

Money One Federal Credit Union RV, Boat and Powersport Loan Rates

Money One Federal Credit Union Personal Loan Rates

Money One Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Money One Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Money One Federal Credit Union

How many branches does Money One Federal Credit Union operate?

Is a member application needed to join Money One Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Money One Federal Credit Union offer online and mobile banking?

Current Money One Federal Credit Union Rates

Compare to Other Credit Unions