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One Credit Union Rates & Review May 2026

Q: How many branches does One Credit Union operate?

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.

Q: Is a member application needed to join One Credit Union?

Yes, to access services at 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.

Q: Is there a first-time homebuyer program?

Currently, 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, One 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: May 12, 2026

One Credit Union's Personal Loan Rates are at 10.50%. MonitorBankRates evaluates the financial stability of One Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.88%. Rates were last updated on 05/12/2026.

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

Verified Healthy 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

6.88%

Excellent Higher than avg

One Credit Union
SPRINGFIELD OFFICE

380 RIVER ST
SPRINGFIELD, VT 05156

https://www.onecu.org

One Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	6.13%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

One Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.50%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

One Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Visa	-	4.90%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

One Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	10.50%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.88%

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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Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name One Credit Union

Website https://www.onecu.org

Address 380 RIVER ST, SPRINGFIELD, VT 05156

Phone 802-886-4228

Fax 802-886-1268

President Jeffrey Taft

CEO BRETT SMITH

Full-Time Employees 63

Part-Time Employees 0

Branch Locations 8

ATM Locations 5

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

6.88%

Return on Assets (ROA)

0.2993%

Return on Equity (ROE)

3.8825%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

259,791,742

Total Amount of Shares and Deposits

241,188,097

Total Shares and Deposits < 1 Year

240,579,580

Total Shares and Deposits 1 3 Years

469,374

Total Shares and Deposits > 3 Years

139,143

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

11,009,637

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

11,009,637

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

230,178,460

Total Interest Expense (Sum of items 6 8)

1,947,392

Share Certificates

2,185

Number of Accounts for Share Drafts

10,680

IRA KEOGH Accounts

223

Number of Accounts for Regular Shares

26,758

All other shares

136

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,955,935

Total Liabilities

242,707,682

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

One Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About One Credit Union

How many branches does One Credit Union operate?

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 One Credit Union?

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

Does One Credit Union offer online and mobile banking?

Most modern institutions like 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.onecu.org.