Credit union · NCUA insured
ONE – Federal Credit Union Savings Rates
ONE – Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How ONE – Federal Credit Union’s savings 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
0.10%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $10
Money Market
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Community Connect Federal Credit Union
1.16%APY
- Minimum
- —
- Earns on $10,000 a year
- $115
ONE – Federal Credit Union savings score
65
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.10%
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 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.
Round Up Reward
5.00%APY
Must first have a Share Draft Checking account and a debit card. All debit card transactions will be rounded up to the next whole dollar with the difference credited to the Round Up Reward account; even dollar transactions transfer $1.00. No other funds can be deposited.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires Share Draft Checking account and debit card. Funded exclusively by rounding up debit card transactions to the nearest whole dollar (or $1.00 for whole dollar amounts); no other deposits permitted.Any balance | 5.00% | $500 | Requires Share Draft Checking account and debit card. Funded exclusively by rounding up debit card transactions to the nearest whole dollar (or $1.00 for whole dollar amounts); no other deposits permitted. |
Sources (2)
- onefcu.com/personal-accounts · captured Sep 17, 2026
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
High Yield Summer Savings
4.06%APY
No minimum balance. No annual fee. Entire balance will be paid by transfer to Regular Share account on or after June 1st, and the account remains open. Early withdrawal penalty of $25 per withdrawal before June 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEntire balance will be transferred to Regular Share on or after June 1st (account remains open). $25 early withdrawal penalty applies to withdrawals before this date.Any balance | 4.06% | $406 | Entire balance will be transferred to Regular Share on or after June 1st (account remains open). $25 early withdrawal penalty applies to withdrawals before this date. |
Sources (3)
- onefcu.com/personal-accounts · captured Sep 17, 2026
- onefcu.com/personal-accounts/high-yield-summer-savings · captured Sep 17, 2026
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
Money Market
0.10%APY
Tiered rate account where the dividend rate for a particular tier applies to the entire account balance if within the balance range. Requires a minimum balance of $1,000 to open and avoid a $10.00 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $20,000Rate applies to the entire balance for balances between $1,000.00 and $19,999.99. Monthly fee of $10.00 applies if balance falls below $1,000. | 0.10% | $10 | Rate applies to the entire balance for balances between $1,000.00 and $19,999.99. Monthly fee of $10.00 applies if balance falls below $1,000. |
| $20,000 – $50,000Rate applies to the entire balance for balances between $20,000.00 and $49,999.99. Monthly fee of $10.00 applies if balance falls below $1,000. | 0.15% | — | Rate applies to the entire balance for balances between $20,000.00 and $49,999.99. Monthly fee of $10.00 applies if balance falls below $1,000. |
| $50,000 – $100,000Rate applies to the entire balance for balances between $50,000.00 and $99,999.99. Monthly fee of $10.00 applies if balance falls below $1,000. | 0.25% | — | Rate applies to the entire balance for balances between $50,000.00 and $99,999.99. Monthly fee of $10.00 applies if balance falls below $1,000. |
| $100,000 – $500,000Rate applies to the entire balance for balances between $100,000.00 and $499,999.99. Monthly fee of $10.00 applies if balance falls below $1,000. | 0.30% | — | Rate applies to the entire balance for balances between $100,000.00 and $499,999.99. Monthly fee of $10.00 applies if balance falls below $1,000. |
| $500,000 and upRate applies to the entire balance for balances of $500,000.00 or more. Monthly fee of $10.00 applies if balance falls below $1,000. | 0.35% | — | Rate applies to the entire balance for balances of $500,000.00 or more. Monthly fee of $10.00 applies if balance falls below $1,000. |
Sources (3)
- onefcu.com/personal-accounts · captured Sep 17, 2026
- onefcu.com/personal-accounts/money-market · captured Sep 17, 2026
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
Escrow
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
Sub Share
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
The ONE Savings Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (3)
- onefcu.com/personal-accounts · captured Sep 17, 2026
- onefcu.com/personal-accounts/savings · captured Sep 17, 2026
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
Special-purpose accounts
Graduation Growth Fund
4.06%APY
For youth ages 0-18. Account matures in May (May 31) of the student's anticipated graduation year. Deposits can be made until maturity. Early withdrawal penalty of $50 for withdrawals before May 31 of graduation year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIntended for youth ages 0-18 to save for after high school. May only be withdrawn on May 31 of graduation year; early withdrawals incur a $50 penalty.Any balance | 4.06% | $406 | Intended for youth ages 0-18 to save for after high school. May only be withdrawn on May 31 of graduation year; early withdrawals incur a $50 penalty. |
Sources (2)
- onefcu.com/youth · captured Sep 17, 2026
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
High Yield Holiday
4.06%APY
No minimum balance. No annual fee. Entire balance will be paid by transfer to Regular Share account on or after November 1st, and the account remains open. Early withdrawal penalty of $25 per withdrawal before November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEntire balance will be transferred to Regular Share on or after November 1st (account remains open). $25 early withdrawal penalty applies to withdrawals before this date.Any balance | 4.06% | $406 | Entire balance will be transferred to Regular Share on or after November 1st (account remains open). $25 early withdrawal penalty applies to withdrawals before this date. |
Sources (3)
- onefcu.com/personal-accounts · captured Sep 17, 2026
- onefcu.com/personal-accounts/high-yield-holiday · captured Sep 17, 2026
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
IRA Share
0.25%APY
Available as Traditional IRA and Roth IRA. $20.00 annual maintenance fee listed in rate & service charges schedule ($10 listed on product disclosure page).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable as Traditional IRA or Roth IRA.Any balance | 0.25% | $25 | Available as Traditional IRA or Roth IRA. |
Sources (2)
- onefcu.com/personal-accounts/iras · captured Sep 17, 2026
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
Christmas Club
0.05%APY
Entire balance will be paid to you by check or transferred to another account with us on or after October 20 and the account will remain open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEntire balance will be paid by check or transferred to another account on or after October 20; account remains open.Any balance | 0.05% | $5 | Entire balance will be paid by check or transferred to another account on or after October 20; account remains open. |
Sources (1)
- onefcu.com/wp-content/uploads/…sclosures-07.01.2026.pdf · captured Oct 8, 2026
Vacation Club
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- 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.