Credit union · NCUA insured
Money One Federal Credit Union Savings Rates
Money One Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Insured Money Market Account. Rates checked October 22, 2026.
How Money One Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Money One Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Money One Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Insured Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Money One Federal Credit Union savings score
70
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Money One Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Insured Money Market Account
0.05%APY
To avoid a monthly service fee, maintain a $25,000 minimum average daily balance ($10.00/month if average daily balance falls below $25,000). Six free monthly withdrawals. Free eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999$10.00/month service fee if average daily balance falls below $25,000. | 0.05% | $5 | $10.00/month service fee if average daily balance falls below $25,000. |
| $25,000 – $49,999 | 0.50% | — | |
| $50,000 – $99,999 | 1.00% | — | |
| Over $100,000 | 3.50% | — |
Sources (3)
- moneyonefcu.org/planning-inves…ng/money-market-accounts
- moneyonefcu.org/rates
- moneyonefcu.org/schedule-of-fees
All captured Oct 4, 2026
Insured Money Market Account
0.25%APY
$2,500 minimum to earn dividends. No monthly service fee. Six free monthly withdrawals. Free eStatements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.05% | — |
| $10,000 – $19,999 | 0.25% | $25 |
| $20,000 – $99,999 | 0.50% | — |
| Over $100,000 | 1.25% | — |
Sources (2)
All captured Oct 4, 2026
Standard Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- moneyonefcu.org/rates
- moneyonefcu.org/everyday-banking/savings
- moneyonefcu.org/everyday-banki…savings/standard-savings
All captured Oct 4, 2026
Special-purpose accounts
Club Accounts
0.05%APY
Offers club options including Holiday Club (funds transfer in October), Vacation Club (funds transfer in April), and Personal Club.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAny Balance. Early withdrawal subject to fee.Any balance | 0.05% | $5 | Any Balance. Early withdrawal subject to fee. |
Sources (3)
- moneyonefcu.org/rates
- moneyonefcu.org/everyday-banking/savings
- moneyonefcu.org/everyday-banking/savings/club-accounts
All captured Oct 4, 2026
Who can join Money One Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in specified zip codes (20607, 20608, 20613, 20623, 20705, 20706, 20707, 20708, 20710, 20712, 20715, 20716, 20720, 20721, 20722, 20735, 20737, 20740, 20743, 20744, 20745, 20746, 20747, 20748, 20762, 20769, 20770, 20772, 20774, 20781, 20782, 20783, 20784, or 20785) can join Money One.
Employers and groups
- Individuals associated with any of nearly 100 approved employers, churches, and organizations are eligible for membership.
Family and household
- Individuals are eligible if any immediate family member (grandparents, parents, siblings including step, children, grandchildren) or household member is a member or eligible to join.
Other ways
- Individuals can qualify for membership by joining Gifts for Easter Seals via donation form and bringing proof to a branch location.
Membership information collected October 4, 2026.