|
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.
 Team 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 29, 2026
Team One Credit Union's 12 Month CD rates are at 3.60%, CD of Deposit - 12 month rates are at 3.60%, CD of Deposit - 48 month rates are at 3.60%, CD of Deposit - 18 month rates are at 3.50%, CD of Deposit - 6 month rates are at 3.50%. Team One Credit Union's savings rates are at 0.10%. Team One Credit Union's money market rates are at 2.50%. Team One Credit Union's checking rates are as high as 3.00%. Team One Credit Union's Mortgage - 10 Year Fixed rates are at 6.50%, Mortgage - 15 Year Fixed rates are at 6.88%, Mortgage - 20 Year Fixed rates are at 7.00%, Mortgage - 30 Year Fixed rates are at 7.12%. Team One Credit Union's Personal Loan Rates are as low as 10.74%. Team One Credit Union's Credit Card Rates are at 8.90%. Team One Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Team One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.14%. Rates last updated and verified on 10/29/2026. Team 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 Team One Credit Union? Share your experience about Team One Credit Union by leaving a review below, or read customer reviews before you decide to use Team 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. Team One Credit Union CD Rates
Team One Credit Union Savings Rates
Team One Credit Union Money Market Rates
Team One Credit Union Checking Rates
Team One Credit Union Mortgage Rates
Team One Credit Union Home Equity & HELOC
Team One Credit Union Auto Loan Rates
Team One Credit Union RV, Boat and Powersport Loan Rates
Team One Credit Union Credit Card Rates
Team One Credit Union Personal Loan Rates
Team One Credit Union Other Rates
Financial Health HistoryTeam One Credit Union’s Texas Ratio stayed near 3.69% in Q3 2023 to 4.14% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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 Team 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 Team 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 Team One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Team One Credit Union
Website
https://www.teamonecu.org
Address
520 HAYDEN ST,
SAGINAW, MI 48607
Phone
989-754-6575
Fax
989-754-4249
President
Rebecca Sanchez
CEO
Derrick Barber
Full-Time Employees
147
Part-Time Employees
5
Branch Locations
11
ATM Locations
12
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.14%
Return on Assets (ROA)
0.3914%
Return on Equity (ROE)
3.9629%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
765,923,389
Total Amount of Shares and Deposits
680,479,048
Total Shares and Deposits < 1 Year
639,039,502
Total Shares and Deposits 1 3 Years
27,982,891
Total Shares and Deposits > 3 Years
13,456,654
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,773,753
Total Uninsured Shares and Deposits > $250K (F+J)
52,773,753
Total Insured Shares and Deposits > $250K (item 17 less item K)
627,705,295
Total Interest Expense (Sum of items 6 8)
4,764,687
Share Certificates
8,948
Number of Accounts for Share Drafts
25,740
IRA KEOGH Accounts
1,950
Number of Accounts for Regular Shares
51,309
All other shares
470
Money Market Shares
3,036
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)
87,964,976
Total Liabilities
689,066,356
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Team 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 Team One Credit Union
Frequently Asked Questions About Team One Credit UnionDoes Team One Credit Union offer CDs?Yes. Team One Credit Union current CD rates include its 12 Month CD at 3.60% APY, its CD of Deposit - 12 month at 3.60% APY and its CD of Deposit - 48 month at 3.60% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Team One Credit Union NCUA insured?Yes. Team 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 Team One Credit Union?The highest Team One Credit Union CD rate is its 12 Month CD at 3.60% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Team One Credit Union offer?Team One Credit Union CD rates are 3.50% APY for a 6 month CD, 3.60% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.45% APY for a 2 year CD, 3.60% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Team One Credit Union for its full lineup. What is the highest savings rate at Team One Credit Union?The highest Team One Credit Union savings rate is its IRA/Deferred Compensation/Health Savings Accounts (HSA) at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Team One Credit Union?The highest Team One Credit Union money market rate is its Money Market at 2.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Team One Credit Union?The highest Team One Credit Union checking rate is its Relationship Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Team One Credit Union?The lowest Team One Credit Union 30 year fixed mortgage rate is its Mortgage - 30 Year Fixed at 7.125%, verified by MonitorBankRates as of October 29, 2026. Team One Credit Union mortgage rates are 7.125% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.875% for a 15 year mortgage and 6.50% for a 10 year mortgage. What is the lowest auto loan rate at Team One Credit Union?The lowest Team One Credit Union auto loan rate is its Auto Loan at 5.24% APR, verified by MonitorBankRates as of October 29, 2026. Team One Credit Union auto loan rates are 9.00% APR for a 48 month auto loan, 9.25% APR for a 60 month auto loan and 9.50% APR for an 84 month auto loan. What is the lowest personal loan rate at Team One Credit Union?The lowest Team One Credit Union personal loan rate is its Personal Loan at 10.74% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Team One Credit Union?The lowest Team One Credit Union credit card APR is its Visa Platinum Credit Card at 8.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Team One Credit Union operate?Team 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 Team One Credit Union?Yes, to access services at Team 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, Team 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, Team One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Team One Credit Union offer online and mobile banking?Most modern institutions like Team 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.teamonecu.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 Team One Credit Union rates compare?Team One Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A+ health rating. Team One Credit Union's top rates are its 12 Month CD at 3.60% APY, its IRA/Deferred Compensation/Health Savings Accounts (HSA) at 0.10% APY, its Money Market at 2.50% APY, its Relationship Checking at 3.00% APY, its Mortgage - 10 Year Fixed at 6.50%, its Personal Loan at 10.74% APR and its Visa Platinum Credit Card at 8.90% APR, verified by MonitorBankRates on October 29, 2026. Current Team One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Ancorum Credit Union
Hockley County School Employees Credit Union
First California Federal Credit Union
Delta Refining Co Emp Credit Union
Ozark Federal Credit Union
Grasslands Federal Credit Union
Pawtucket Municipal Employees Federal Credit Union
Social Security Credit Union
First Priority Federal Credit Union
Metropolitan Church Federal Credit Union
University Federal Credit Union
Local 24 Employees Federal Credit Union
Niagara Wheatfield Federal Credit Union
JCT Federal Credit Union
Stamford Healthcare Credit Union
Monterra Credit Union
G.C.A. Federal Credit Union
Transit Federal Credit Union
Westminster Federal Credit Union
Alltrust Credit Union
Corner Stone Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
