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iAdvertiser Disclosure
Advertiser Disclosure
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 Resource One Credit Union Rates & Review April 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: April 9, 2026
Resource One Credit Union's IRA CD 24 month rates are at 3.66%, IRA CD 36 month rates are at 3.61%, IRA CD 48 month rates are at 3.56%, IRA CD 60 month rates are at 3.51%, Regular CD 24 month rates are at 3.40%. Resource One Credit Union's savings rates are at 0.10%. Resource One Credit Union's money market rates are at 0.00%. Resource One Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Resource One Credit Union with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 19.00%. Rates were last updated on 04/09/2026. 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. 
Resource One Credit Union CD Rates
Resource One Credit Union Savings Rates
Resource One Credit Union Money Market Rates
Resource One Credit Union Auto Loan Rates
Resource One Credit Union Personal Loan Rates
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
154
Part-Time Employees
20
Branch Locations
11
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.7 / 5.0 ★
Overall Health & Safety Grade
B+ (87/100)
Texas Ratio
19.00%
Return on Assets (ROA)
0.1749%
Return on Equity (ROE)
2.2985%
Non-Performing Loans Ratio (NPL)
1.89%
Total Assets
662,839,996
Total Amount of Shares and Deposits
611,224,499
Total Shares and Deposits < 1 Year
521,477,027
Total Shares and Deposits 1 3 Years
66,426,122
Total Shares and Deposits > 3 Years
23,321,350
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,469,789
Total Uninsured Shares and Deposits > $250K (F+J)
35,925,637
Total Insured Shares and Deposits > $250K (item 17 less item K)
575,298,862
Total Interest Expense (Sum of items 6 8)
6,819,315
Share Certificates
3,408
Number of Accounts for Share Drafts
44,744
IRA KEOGH Accounts
2,193
Number of Accounts for Regular Shares
76,637
All other shares
903
Non Member Deposits
64
Money Market Shares
2,241
Net Income (unless the amount is already included in Undivided Earnings)
1,159,104
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
55,379,862
Total Liabilities
623,061,769
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Resource One Credit UnionIs Resource One Credit Union a safe place to deposit money?Yes, Resource One Credit Union is considered a safe financial institution. With a Texas Ratio of 19.00411939285%, 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 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. Current Resource One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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