Credit union · NCUA insured
One Credit Union Savings Rates
One Credit Union’s best savings rate is 0.30% APY on $10,000, with its High Yield Savings Account. Rates checked October 22, 2026.
How One Credit Union’s savings rates compare
Compared with banks and credit unions near Lebanon, NH-VT, where One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
One Credit Union
0.30%APY
- Minimum
- —
- Earns on $10,000 a year
- $30
High Yield Savings Account
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Ledyard Bank
3.25%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $325
One Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.30%
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 One 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.
High Yield Savings Account
0.30%APY
Tiered rate structure where higher balance tiers apply to the entire account balance. No minimum balance required to open an account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. | 0.15% | — | Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. |
| $1,000 – $20,000Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. | 0.30% | $30 | Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. |
| $20,000 – $50,000Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. | 0.40% | — | Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. |
| $50,000 – $100,000Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. | 0.50% | — | Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. |
| $100,000 and upOnce a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. | 0.60% | — | Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. |
Stash the Cash
0.28%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.28% | $28 |
Sources (1)
- onecu.org/rates/index.html · captured Oct 3, 2026
Regular Savings
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- onecu.org/rates/index.html · captured Oct 3, 2026
Special-purpose accounts
IRA Savings Account
0.35%APY
Available under Traditional, Roth, and SEP IRA tax structures. Dividends are paid monthly. No minimum balance on IRA Savings Accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance on IRA Savings Accounts. Dividends paid monthly.Any balance | 0.35% | $35 | No minimum balance on IRA Savings Accounts. Dividends paid monthly. |
Youth Account
0.30%APY
Available for children up to age 18. Minimum opening deposit of $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 minimum opening deposit on Youth Accounts.Any balance | 0.30% | $30 | $5 minimum opening deposit on Youth Accounts. |
Health Savings Account (HSA)
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- onecu.org/rates/index.html · captured Oct 3, 2026
Christmas Club
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- onecu.org/rates/index.html · captured Oct 3, 2026
Who can join One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to those who live, work, worship, attend school, or volunteer in any county in Vermont, throughout New Hampshire, or in specified counties across Massachusetts, Maine, and New York.
Family and household
- Membership is open to members of the immediate families of eligible persons.
Other ways
- Membership is open to organizations composed primarily of the same eligible individuals.
Membership information collected October 4, 2026.