|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Resource One Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Resource One Credit Union's 60 Month Regular CD rates are at 3.82%, 48 Month Regular CD rates are at 3.71%, 36 Month Regular CD rates are at 3.66%, 24 Month Regular CD rates are at 3.40%, 12 Month Regular CD rates are at 2.78%. Resource One Credit Union's savings rates are at 0.35%. Resource One Credit Union's money market rates are at 1.11%. Resource One Credit Union's Personal Loan Rates are as low as 8.99%. Resource One Credit Union's Credit Card Rates are at 6.59%. Resource One Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Resource One Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.23%. Rates last updated and verified on 10/30/2026. Resource 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 Resource One Credit Union? Share your experience about Resource One Credit Union by leaving a review below, or read customer reviews before you decide to use Resource One Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Resource One Credit Union CD Rates
Resource One Credit Union Savings Rates
Resource One Credit Union Money Market Rates
Resource One Credit Union Checking Rates
Resource One Credit Union Auto Loan Rates
Resource One Credit Union RV, Boat and Powersport Loan Rates
Resource One Credit Union Credit Card Rates
Resource One Credit Union Personal Loan Rates
Resource One Credit Union Other Rates
Financial Health HistoryResource One Credit Union’s Texas Ratio fell from 17.82% in Q3 2023 to 14.23% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0 and its Health Grade from B+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Resource 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 Resource 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 Resource One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Resource One Credit Union
Website
https://r1cu.org
Address
1200 Belleview St,
Dallas, TX 75215-1837
Phone
214-319-3100
Fax
214-272-0700
President
Karen Hart
CEO
Mary Beth Spuck
Full-Time Employees
139
Part-Time Employees
14
Branch Locations
9
ATM Locations
9
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (93/100)
Texas Ratio
14.23%
Return on Assets (ROA)
1.6312%
Return on Equity (ROE)
15.6455%
Non-Performing Loans Ratio (NPL)
2.33%
Total Assets
555,214,105
Total Amount of Shares and Deposits
495,180,407
Total Shares and Deposits < 1 Year
438,481,487
Total Shares and Deposits 1 3 Years
46,786,891
Total Shares and Deposits > 3 Years
9,912,028
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,869,345
Total Uninsured Shares and Deposits > $250K (F+J)
30,809,879
Total Insured Shares and Deposits > $250K (item 17 less item K)
464,370,528
Total Interest Expense (Sum of items 6 8)
3,225,371
Share Certificates
2,735
Number of Accounts for Share Drafts
38,818
IRA KEOGH Accounts
1,785
Number of Accounts for Regular Shares
67,681
All other shares
717
Non Member Deposits
60
Money Market Shares
1,759
Net Income (unless the amount is already included in Undivided Earnings)
9,056,632
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
62,494,745
Total Liabilities
506,280,700
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Resource One Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Resource One Credit Union
Frequently Asked Questions About Resource One Credit UnionDoes Resource One Credit Union offer CDs?Yes. Resource One Credit Union current CD rates include its 60 Month Regular CD at 3.82% APY, its 48 Month Regular CD at 3.71% APY and its 36 Month Regular CD at 3.66% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Resource One Credit Union NCUA insured?Yes. Resource One Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Resource One Credit Union?The highest Resource One Credit Union CD rate is its 60 Month IRA CD at 4.07% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Resource One Credit Union offer?Resource One Credit Union CD rates are 2.78% APY for a 12 month CD, 3.40% APY for a 2 year CD, 3.66% APY for a 3 year CD, 3.71% APY for a 4 year CD and 3.82% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Resource One Credit Union for its full lineup. What is the highest savings rate at Resource One Credit Union?The highest Resource One Credit Union savings rate is its IRA & SEP Savings at 0.35% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Resource One Credit Union?The highest Resource One Credit Union money market rate is its Executive Suite Money Market at 1.11% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Resource One Credit Union?The lowest Resource One Credit Union auto loan rate is its New and Used Auto Loans at 4.89% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Resource One Credit Union?The lowest Resource One Credit Union personal loan rate is its Personal Loans at 8.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Resource One Credit Union?The lowest Resource One Credit Union credit card APR is its Adventure Credit Card at 6.59% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Resource One Credit Union operate?Resource 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 Resource One Credit Union?Yes, to access services at Resource 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, Resource 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, Resource One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Resource One Credit Union offer online and mobile banking?Most modern institutions like Resource 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://r1cu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Resource One Credit Union rates compare?Resource One Credit Union's CD rates are 8% higher than the MonitorBankRates national average, and it has an A- health rating. Resource One Credit Union's top rates are its 60 Month IRA CD at 4.07% APY, its IRA & SEP Savings at 0.35% APY, its Executive Suite Money Market at 1.11% APY, its Personal Loans at 8.99% APR and its Adventure Credit Card at 6.59% APR, verified by MonitorBankRates on October 30, 2026. Current Resource One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Grow Financial Federal Credit Union
New Haven Teachers Federal Credit Union
One Detroit Credit Union
GHS Federal Credit Union
Act 1st Federal Credit Union
Midland Municipal Employees Credit Union
Abyssinian Baptist Church Credit Union
Penn Federal Credit Union
Harvester Financial Credit Union
Nova UA Federal Credit Union
Greenville Federal Credit Union
Old Kentucky Home Federal Credit Union
FirstCity Credit Union
Rome Federal Credit Union
Bayonne City Employees Federal Credit Union
Patriot Equity Credit Union
Eastern Panhandle Federal Credit Union
Dover Federal Credit Union
Healthcare First Credit Union
River Valley Credit Union Miamisburg, OH
Victoria Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
