Credit union · NCUA insured
Resource One Credit Union Savings Rates
Resource One Credit Union’s best savings rate is 1.00% APY on $10,000, with its Executive Suite Money Market. Rates checked October 16, 2026.
How Resource One Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where Resource One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Resource One Credit Union
1.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
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
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Resource One Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.21%
- QualifiedQualified1.00%
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 Resource 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.
Executive Suite Money Market
1.00%APY
Minimum balance to open is $2,500.00. The minimum balance to earn is $2,500.00. Fees could reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum balance to earn is $2,500.00. | 0.00% | — | Minimum balance to earn is $2,500.00. |
| $2,500 – $25,000 | 1.00% | $100 | |
| $25,000 – $100,000 | 1.11% | — | |
| $100,000 and up | 1.21% | — |
Sources (1)
- r1cu.org/rates · captured Oct 16, 2026
Money Market Account
1.00%APY
Limit one money market account per membership. Minimum opening deposit of $2,500. Minimum balance to earn dividends is $2,500 (paid monthly based on daily balance). $10 monthly maintenance fee waived if minimum daily balance is met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Earns 0.00% dividends on balances below $2,500. Monthly maintenance fee of $10 applies unless minimum daily balance is met. | 0.00% | — | Earns 0.00% dividends on balances below $2,500. Monthly maintenance fee of $10 applies unless minimum daily balance is met. |
| $2,500 – $25,000Monthly maintenance fee of $10 waived if minimum daily balance is met. Dividends paid monthly based on daily balance. | 1.00% | $100 | Monthly maintenance fee of $10 waived if minimum daily balance is met. Dividends paid monthly based on daily balance. |
| $25,000 – $100,000Monthly maintenance fee of $10 waived if minimum daily balance is met. Dividends paid monthly based on daily balance. | 1.11% | — | Monthly maintenance fee of $10 waived if minimum daily balance is met. Dividends paid monthly based on daily balance. |
| $100,000 and upMonthly maintenance fee of $10 waived if minimum daily balance is met. Dividends paid monthly based on daily balance. | 1.21% | — | Monthly maintenance fee of $10 waived if minimum daily balance is met. Dividends paid monthly based on daily balance. |
Sources (1)
- r1cu.org/accounts/money-market · captured Oct 16, 2026
Additional Savings Account
0.10%APY
Must have a membership account open. Can be used for overdraft protection.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upEarn dividends when daily balance is $250.00 and above (paid quarterly). Early withdrawal penalty will or may be imposed.$250 and up | 0.10% | $10 | Earn dividends when daily balance is $250.00 and above (paid quarterly). Early withdrawal penalty will or may be imposed. |
Sources (1)
- r1cu.org/accounts/savings · captured Oct 6, 2026
Basic Savings Account
0.10%APY
Must maintain a minimum of $25 to keep R1CU Membership open. Overdraft protection available; transaction limits apply. Dividends paid quarterly based on daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upEarn dividends when daily balance is $250.00 and above (paid quarterly). Early withdrawal penalty will or may be imposed.$250 and up | 0.10% | $10 | Earn dividends when daily balance is $250.00 and above (paid quarterly). Early withdrawal penalty will or may be imposed. |
Sources (1)
- r1cu.org/accounts/savings · captured Oct 6, 2026
Summer Savings Account
0.10%APY
Must have a membership account open. Unlimited withdrawals from June – August; otherwise $10 per withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upEarn dividends when daily balance is $250.00 and above (paid quarterly). Early withdrawal penalty will or may be imposed.$250 and up | 0.10% | $10 | Earn dividends when daily balance is $250.00 and above (paid quarterly). Early withdrawal penalty will or may be imposed. |
Sources (1)
- r1cu.org/accounts/savings · captured Oct 6, 2026
Special-purpose accounts
IRA & SEP Savings
0.35%APY
Bank IRA and SEP savings account. Early withdrawal penalty will or may be imposed prior to maturity date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn APY is $50.00.$50 and up | 0.35% | $35 | Minimum balance to earn APY is $50.00. |
Sources (1)
- r1cu.org/rates · captured Oct 6, 2026
CU Succeed Savings Account
0.10%APY
Eligible for ages 13–17. Establishes lifetime membership as long as the membership is open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upEarn dividends when daily balance is $50.00 and above (paid monthly based on daily balance). Daily balance requirement is $0.$50 and up | 0.10% | $10 | Earn dividends when daily balance is $50.00 and above (paid monthly based on daily balance). Daily balance requirement is $0. |
Sources (1)
- r1cu.org/accounts/youth · captured Oct 6, 2026
Holiday Club Account
0.10%APY
Must have a membership account open. Unlimited withdrawals from November – December; otherwise $10 per withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upEarn dividends when daily balance is $250.00 and above (paid quarterly). Early withdrawal penalty will or may be imposed.$250 and up | 0.10% | $10 | Earn dividends when daily balance is $250.00 and above (paid quarterly). Early withdrawal penalty will or may be imposed. |
Sources (1)
- r1cu.org/accounts/savings · captured Oct 6, 2026
Roary's Den Savings Account
0.10%APY
Eligible for ages 12 and under. Establishes lifetime membership as long as the membership is open. Account opening gift provided.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upEarn dividends when daily balance is $50.00 and above (paid monthly based on daily balance). Daily balance requirement is $0.$50 and up | 0.10% | $10 | Earn dividends when daily balance is $50.00 and above (paid monthly based on daily balance). Daily balance requirement is $0. |
Sources (1)
- r1cu.org/accounts/youth · captured Oct 6, 2026
Who can join Resource 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 anyone who resides or is employed in Dallas County.
Employers and groups
- Membership is open to employees and associate members of select companies and organizations (Select Employee Groups / SEGs).
Family and household
- Membership is open to individuals who have a family member who is a current member of Resource One Credit Union.
Cost to join
- An initial membership (share) deposit of $25 is required to open a personal savings account and establish membership.
Membership information collected October 5, 2026.