Rates

Rates as of March 02, 2024. Rates are subject to change without notice.

Deposit Rates

Regular Savings Rates

balance rate apy
$250.00 and above 0.10% 0.10%

APY= Annual Percentage Yield. The minimum balance to open is $25.00. Minimum balance to earn $250.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of March 02, 2024. Rates are subject to change without notice.

Additional Savings Rates

balance rate apy
$250.00 and above 0.10% 0.10%

APY= Annual Percentage Yield. Minimum balance to open $0.00. Minimum balance to earn $250.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of March 02, 2024. Rates are subject to change without notice.

IRA & SEP Savings Rates

balance rate apy
$50.00 and above 1.00% 1.00%

APY= Annual Percentage Yield. Minimum balance to open $50.00. Minimum balance to earn $50.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date. Rates as of March 02, 2024. Rates are subject to change without notice.

Summer Savings & Holiday Club Rates

balance rate apy
$250.00 and above 0.10% 0.10%

APY= Annual Percentage Yield. Minimum balance to open $5.00. Minimum balance to earn $250.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of March 02, 2024. Rates are subject to change without notice.

Roary & CU Succeed Savings Rates

balance rate apy
$50.00 and above 0.10% 0.10%

APY= Annual Percentage Yield. Minimum balance to open $25.00. Minimum balance to earn $50.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of March 02, 2024. Rates are subject to change without notice.

Prime Spending Account Rates

balance rate apy
$5,000.00 and above 0.10% 0.10%

APY= Annual Percentage Yield. Minimum balance to open $100.00. Minimum balance to earn $5,000.00. Paid quarterly with a daily balance of $5,000.00. Monthly maintenance fee of $9.00 (Waive the monthly service fee by: (1) maintain an average daily balance of $5,000.00 or more; or (2) monthly direct deposits totaling at least $1,000.00 and 20 debit card transactions per month (PIN or Signature). Fees could reduce earnings on the account. Rates as of March 02, 2024. Rates are subject to change without notice.

Direct Spending Account Rates

balance rate apy
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $50.00. $5.00 monthly maintenance fees. Non-dividend account. Rates as of March 02, 2024. Rates are subject to change without notice.

Daily Spending Account Rates

balance rate apy
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $0.00. No monthly maintenance fees. Non-dividend account. Rates as of March 02, 2024. Rates are subject to change without notice.

Empower Checking Rates

balance rate apy
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $25.00. Monthly maintenance fee of $20.00. Non-dividend account. Rates as of March 02, 2024. Rates are subject to change without notice.

CU Succeed Checking Rates

balance rate apy
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $0.00. No monthly maintenance fees. Non-dividend account. Rates as of March 02, 2024. Rates are subject to change without notice.

Money Market Rates

balance rate apy
$0.00 – $2,499.99 0.00% 0.00%
$2,500.00 – $24,999.99 2.00% 2.02%
$25,000.00 - $99,999.99 1.90% 1.92%
$100,000.00 and above 1.90% 1.92%

APY= Annual Percentage Yield. The minimum balance to open is $2,500.00. The minimum balance to earn is $2,500.00. Fees could reduce earnings on the account. Limit one money market account per membership. Rates as of March 02, 2024. Rates are subject to change without notice.

Executive Suite Money Market

balance rate apy
$0.00 – $2,499.99 0.00% 0.00%
$2,500.00 – $24,999.99 2.00% 2.02%
$25,000.00 – $99,999.99 1.90% 1.92%
$100,000.00 and above 1.90% 1.92%

APY= Annual Percentage Yield. The minimum balance to open is $2,500.00. The minimum balance to earn is $2,500.00. Fees could reduce earnings on the account. Rates as of March 02, 2024. Rates are subject to change without notice.

Certificate & IRA Rates

Regular Certificates up to

3.97% APY

IRA Certificates up to

4.23% APY

Promotional Certificate Rates

term rate apy
5 months 5.50% 5.64%

APY = 5.64% *APY – Annual Percentage Yield. APY for the 5-month Promotional Term Share Certificate is accurate as of March 1, 2024, and assumes principal and dividends will remain on deposit until maturity. Minimum opening deposit is $500. Only new money qualifies for this certificate. New money is defined as funds not currently on deposit with Resource One Credit Union. Certificate will automatically renew on the maturity date at the standard 6-month term and dividend rate. Penalty for early withdrawal. Rates and terms are subject to change without notice. See Membership and Account Agreement and Share Certificate Truth in Savings Disclosure for account terms and conditions that apply. Credit Union Membership is required. Contact us for details. Federally insured by the NCUA to the maximum allowed by law. Rates as of March 02, 2024. Rates are subject to change without notice.

Regular Certificate Rates

term rate apy
3 months 2.50% 2.53%
6 months 3.00% 3.04%
12 months 3.50% 3.56%
24 months 3.75% 3.82%
36 months 3.90% 3.97%
48 months 3.90% 3.97%
60 months 3.90% 3.97%

APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings. Rates as of March 02, 2024. Rates are subject to change without notice.

Save to Win® Certificate Rates

term amount rate apy
12 months $25.00 - $4,999.99 3.75% 3.82%
12 months $5,000.00 and above 3.50% 3.56%

APY= Annual Percentage Yield. The minimum balance to open a Save to Win® Certificate is $25.00. The certificate has a 12-month term. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings. Rates as of March 02, 2024. Rates are subject to change without notice.

IRA Certificate Rates

term rate apy
3 months 2.75% 2.78%
6 months 3.25% 3.30%
12 months 3.75% 3.82%
24 months 4.00% 4.07%
36 months 4.15% 4.23%
48 months 4.15% 4.23%
60 months 4.15% 4.23%

APY= Annual Percentage Yield. The minimum balance to open IRA Certificate is $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of March 02, 2024. Rates are subject to change without notice.

Flex Certificate Rates

term rate apy
3 months 2.50% 2.53%
6 months 3.00% 3.04%
12 months 3.50% 3.56%
24 months 3.75% 3.82%

APY= Annual Percentage Yield. The minimum balance to open Flex Certificate is $250.00. Any term 3-24 months. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of March 02, 2024. Rates are subject to change without notice.

Loan Rates

New & Used Auto Rates As Low As

5.99% APR

Adventure Loan Rates As Low As

6.99% APR

QuickCash Loans

APR
Rates as low as 25.00% APR

APR= Annual Percentage Rate. Must be 18 years or older, individual borrowers or primary account holders only, and must be a Member of Resource One Credit Union for a minimum of 12 months to apply. Commercial accounts are not eligible. Loan application and approval required. A fee of $20 will be charged for each loan application, whether the loan is approved or declined. Loan cannot exceed $2,000 with a term not exceeding 12 months. An APR of 25.00% will be applied. Applications can only be filed once every 7 days. Loans are processed one at a time, with a maximum of 3 loans in a rolling 6-month period. The Quick Cash Loan is not eligible for the Skip-a-Payment program. Payment example: Estimated monthly payment of $95.04 per $1,000 borrowed at 25.00% APR for 12 months. Other restrictions may apply; see Credit Union for details. All loans are subject to approval. Rates as of March 02, 2024. Rates are subject to change without notice.

New and Used Auto Loans

loan term apr
36 months or less as low as 5.99% APR
37 - 48 months as low as 6.49% APR
49 - 60 months as low as 6.69% APR
61 - 72 months as low as 6.99% APR
73 - 78 months as low as 7.49% APR
79 - 84 months as low as 7.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of March 02, 2024. Rates are subject to change without notice.

Adventure Loans (Motorcycles, ATVs, Boats, and RVs)

loan term apr
36 months or less as low as 6.99% APR
37 - 48 months as low as 7.14% APR
49 - 60 months as low as 7.39% APR
61 - 72 months as low as 7.84% APR
73 - 84 months as low as 8.19% APR
85 - 96 months as low as 8.69% APR
97 - 120 months as low as 9.19% APR
121 - 180 months as low as 9.69% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of March 02, 2024. Rates are subject to change without notice.

Personal Loans

loan term apr
12 months or less as low as 9.99% APR
13 - 24 months as low as 10.49% APR
25 - 36 months as low as 10.99% APR
37 - 48 months as low as 11.49% APR
49 - 60 months as low as 11.99% APR

Personal Loan Loyalty Discount: Members can receive an additional rate discount for Personal Loans based on their length of membership. A 1.00% APR discount is offered to memberships of more than 5 years. A 0.50% APR discount is offered to memberships between 1 and 5 years. Excludes Lines of Credit, Credit Cards, and Home Improvement Personal Loans. Restrictions may apply; see credit union for details. APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of March 02, 2024. Rates are subject to change without notice.

Line of Credit

APR
Rates as low as 11.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of March 02, 2024. Rates are subject to change without notice.

Home Improvement Personal Loans

APR
Rates as low as 7.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. Restrictions may apply; see credit union for details. Rates as of March 02, 2024. Rates are subject to change without notice.

Partially Secured Loan

APR
as low as 11.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of March 02, 2024. Rates are subject to change without notice.

Savings Builder & Credit Builder Loans

APR
as low as 10.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of March 02, 2024. Rates are subject to change without notice.

Citizenship Loans

loan term apr
Getting Started 12 month 9.74% APR or 0.00% APR with an up-front application fee
Road to Citizenship 24 month 10.24% APR or 0.00% APR with an up-front application fee

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of March 02, 2024. Rates are subject to change without notice.

Business

Executive Suite Business Savings

APR
We have an account to fit your needs. Contact a Business Development Officer for details. Call 214-319-3100.

APR= Annual Percentage Yield. Rates as of March 02, 2024. Rates are subject to change without notice.

Executive Suite Money Market

balance rate apy
$0.00 – $2,499.99 0.00% 0.00%
$2,500.00 – $24,999.99 2.50% 2.53%
$25,000.00 – $99,999.99 2.00% 2.02%
$100,000 and above 2.25% 2.27%

APY= Annual Percentage Yield. The minimum balance to open is $2,500.00. The minimum balance to earn is $2,500.00. Fees could reduce earnings on the account. Rates as of March 02, 2024. Rates are subject to change without notice.

Executive Suite Flex Certificate of Deposit

term rate apy
3 months 3.25% 3.30%
6 months 3.50% 3.56%
12 months 3.65% 3.71%
24 months 3.75% 3.82%

APY= Annual Percentage Yield. Minimum balance to open $1,000.00. Fees could reduce earnings on the account. All CDs are subject to a penalty for early withdrawal. Rates as of March 02, 2024. Rates are subject to change without notice.