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One Credit Union

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One Credit Union Rates & Review April 2026

Q: How many branches does One Credit Union operate?

One Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join One Credit Union?

Yes, to access services at One Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, One Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, One Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 7, 2026

You can compare One Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.15%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 0.50%. Savings rates are at 0.25% and money market rates are at 1.46%. Mortgage rates on 30-year fixed loans are around 5.68%. All these rates can be compared to One Credit Union rates. MonitorBankRates evaluates the financial stability of One Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.88%. Rates were last updated on 04/07/2026.

One Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at One Credit Union? Share your experience about One Credit Union by leaving a review below, or read customer reviews before you decide to use One Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.88%

Excellent Higher than avg

One Credit Union
SPRINGFIELD OFFICE

380 RIVER ST
SPRINGFIELD, VT 05156

https://www.onecu.org

Current Rate Availability

We do not have One Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for One Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather One Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with One Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name One Credit Union

Website https://www.onecu.org

Address 380 RIVER ST, SPRINGFIELD, VT 05156

Phone 802-886-4228

Fax 802-886-1268

President Jeffrey Taft

CEO BRETT SMITH

Full-Time Employees 63

Part-Time Employees 0

Branch Locations 8

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.88%

Return on Assets (ROA)

0.2993%

Return on Equity (ROE)

3.8825%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

259,791,742

Total Amount of Shares and Deposits

241,188,097

Total Shares and Deposits < 1 Year

240,579,580

Total Shares and Deposits 1 3 Years

469,374

Total Shares and Deposits > 3 Years

139,143

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,009,637

Total Uninsured Shares and Deposits > $250K (F+J)

11,009,637

Total Insured Shares and Deposits > $250K (item 17 less item K)

230,178,460

Total Interest Expense (Sum of items 6 8)

1,947,392

Share Certificates

2,185

Number of Accounts for Share Drafts

10,680

IRA KEOGH Accounts

223

Number of Accounts for Regular Shares

26,758

All other shares

136

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,955,935

Total Liabilities

242,707,682

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for One Credit Union yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About One Credit Union

Is One Credit Union a safe place to deposit money?

Yes, One Credit Union is considered a safe financial institution. With a Texas Ratio of 6.8846789453451%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does One Credit Union operate?

One Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join One Credit Union?

Yes, to access services at One Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, One Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, One Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does One Credit Union offer online and mobile banking?

Most modern institutions like One Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.onecu.org.