Credit union · NCUA insured
ONE – Federal Credit Union
A $135.1M credit union headquartered in Meadville, PA, with 12,276 members and 4 branches in Pennsylvania. Best rates: CDs 3.95% and savings 0.10% APY.
ONE – Federal Credit Union Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#7 of 9 in Meadville, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ONE – Federal Credit Union
Founded in 1949 as Viscose Employees Federal Credit Union by American Viscose Corporation employees, ONE Federal Credit Union is a member-owned financial institution.
ONE Federal Credit Union serves over 12,000 members across Pennsylvania, Ohio, and New York.
- Headquarters
- 300 Arch St, Meadville, PA 16335
- NCUA charter
- 6187
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.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, work, worship, volunteer, or attend school in Crawford, Mercer, Butler, Clarion, Venango, Warren, McKean, Elk, Jefferson, Forest, or Lawrence Counties in Pennsylvania, Ashtabula County in Ohio, or Chautauqua County in New York are eligible for membership.
Family and household
- Immediate relatives of current ONE members are eligible to join.
Cost to join
- A $5 cash or check deposit into a membership account is required to open an account, signifying ownership in ONE Federal Credit Union.
Branches
4 branches in Pennsylvania
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Pennsylvania
4 branches
- The ONE FCU - Cochranton180 N Franklin St, Cochranton, PA 16314Directions
- The ONE FCU - Conneaut Lake10998 State Highway 18, Conneaut Lake, PA 16316Directions
- The ONE FCU - Park Ave868 Park Ave, Meadville, PA 16335Directions
- The ONE FCU - Sagertown280 North St, Saegertown, PA 16433Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.38% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.35% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio8.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.38%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.35%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of ONE – Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.