Credit union · NCUA insured
ONE – Federal Credit Union CD Rates
ONE – Federal Credit Union’s best CD rate is 3.95% APY on a 3-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How ONE – Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Meadville, PA, where ONE – Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ONE – Federal Credit Union
3.95%APY
- Term
- 3 months
- Minimum
- $250
- Earns on $10,000
- $97
Share Certificate
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
New Directions Community Credit Union
4.15%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $847
ONE – Federal Credit Union CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.95%
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 – Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.95%APY · 8 terms
Fixed dividend rate and APY for the term; assumption that dividends remain on deposit until maturity. Early withdrawal penalty applies. Bump-up option available once during the term. Does not renew automatically at maturity.
| Term | APY · Any balance | APY · $250 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends compounded and credited at term end | 3.95% | — | 3.95% | $97 |
| 6 monthsDividends compounded and credited at term end | 3.95% | — | 3.95% | $196 |
| 9 monthsDividends compounded and credited at term end | 3.95% | — | 3.95% | $295 |
| 12 monthsDividends compounded and credited at term end | — | 3.80% | 3.80% | $380 |
| 13 monthsDividends compounded and credited monthly | 3.92% | — | 3.92% | $425 |
| 18 monthsDividends compounded and credited quarterly | 3.55% | — | 3.55% | $537 |
| 24 monthsDividends compounded and credited quarterly | 3.55% | — | 3.55% | $722 |
| 36 monthsDividends compounded and credited quarterly | 3.55% | — | 3.55% | $1,102 |
Sources (3)
- onefcu.com/personal-accounts · captured Sep 17, 2026
- onefcu.com/personal-accounts/certificates · captured Sep 17, 2026
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
Who can join 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, 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.
Membership information collected October 5, 2026.