Rates

Rates as of July 14, 2025. Rates are subject to change without notice.

Deposit Rates

Certificate & IRA Rates

Loan Rates

Business Rates

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 July 14, 2025. 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 July 14, 2025. Rates are subject to change without notice.

IRA & SEP Savings Rates
balance rate apy
$50.00 and above 0.35% 0.35%

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 July 14, 2025. 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 July 14, 2025. 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 July 14, 2025. 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 July 14, 2025. 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 July 14, 2025. 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 July 14, 2025. 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 July 14, 2025. 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 July 14, 2025. 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 1.20% 1.21%
$25,000.00 - $99,999.99 1.10% 1.11%
$100,000.00 and above 1.00% 1.00%

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 July 14, 2025. Rates are subject to change without notice.

Certificate & IRA Rates

Regular Certificates up to

3.56% APY

IRA Certificates up to

3.82% APY

Regular Certificate Rates
term rate apy
3 months 2.25% 2.27%
6 months 2.75% 2.78%
12 months 3.00% 3.04%
24 months 3.50% 3.56%
36 months 3.45% 3.51%
48 months 3.40% 3.45%
60 months 3.35% 3.40%

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 July 14, 2025. Rates are subject to change without notice.

Save to Win® Certificate Rates
term rate apy
12 months 2.90% 2.94%

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 July 14, 2025. Rates are subject to change without notice.

IRA Certificate Rates
term rate apy
3 months 2.50% 2.53%
6 months 3.00% 3.04%
12 months 3.25% 3.30%
24 months 3.75% 3.82%
36 months 3.70% 3.76%
48 months 3.65% 3.71%
60 months 3.60% 3.66%

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 July 14, 2025. 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

8.99% 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 July 14, 2025. 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 5.99% APR
49 - 60 months as low as 5.99% APR
61 - 72 months as low as 5.99% APR
73 - 78 months as low as 6.15% APR
79 - 84 months as low as 6.40% 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 July 14, 2025. Rates are subject to change without notice.

Adventure Loans (Motorcycles, ATVs, Boats, and RVs)
loan term apr
36 months or less as low as 8.99% APR
37 - 48 months as low as 9.14% APR
49 - 60 months as low as 9.39% APR
61 - 72 months as low as 9.84% APR
73 - 84 months N/A
85 - 96 months N/A
97 - 120 months N/A
121 - 180 months N/A

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 July 14, 2025. Rates are subject to change without notice.

Personal Loans
loan term apr
12 months or less as low as 12.49% APR
13 - 24 months as low as 12.99% APR
25 - 36 months as low as 13.49% APR
37 - 48 months as low as 13.99% APR
49 - 60 months as low as 14.49% 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. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 14, 2025. Rates are subject to change without notice.

Line of Credit
APR
Rates as low as 14.49% 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 July 14, 2025. Rates are subject to change without notice.

Home Improvement Personal Loans
APR
Rates as low as 9.49% 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 July 14, 2025. Rates are subject to change without notice.

Savings Builder & Credit Builder Loans
APR
as low as 12.99% 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 July 14, 2025. Rates are subject to change without notice.

Citizenship Loans
loan term apr
Getting Started 12 month 12.24% APR or 0.00 APR that includes an application fee
Road to Citizenship 24 month 12.74% APR or 0.00 APR that includes an 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 July 14, 2025. 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 July 14, 2025. 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 1.20% 1.21%
$25,000.00 – $99,999.99 1.10% 1.11%
$100,000 and above 1.00% 1.00%

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 July 14, 2025. Rates are subject to change without notice.