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Credit Union One Credit Union

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Credit Union One Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union 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 and Verified: September 23, 2026

Credit Union One Credit Union's Auto Loan Rates are as low as 4.99%. MonitorBankRates evaluates the financial stability of Credit Union One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.46%. Rates last updated and verified on 09/23/2026.

Credit Union 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 Credit Union One Credit Union? Share your experience about Credit Union One Credit Union by leaving a review below, or read customer reviews before you decide to use Credit Union One Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.46%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Credit Union One Credit Union
CUO-Ferndale

400 E 9 Mile Rd
Ferndale, MI 48220

https://www.cuone.org

Credit Union One Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
new car loans	-	-	4.99%
Details As low as 4.99% APR* Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Credit Union One Credit Union’s Texas Ratio rose from 1.84% in Q2 2023 to 2.46% in Q1 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.8B	2.46%	5.0	A+
December 31, 2025	$1.8B	3.05%	5.0	A+
September 30, 2025	$1.7B	3.02%	5.0	A+
June 30, 2025	$1.8B	2.96%	5.0	A+
March 31, 2025	$1.8B	2.55%	5.0	A+
December 31, 2024	$1.7B	3.33%	5.0	A+
September 30, 2024	$1.7B	3.03%	5.0	A+
June 30, 2024	$1.7B	2.92%	5.0	A+
March 31, 2024	$1.8B	2.24%	5.0	A+
December 31, 2023	$1.7B	2.83%	5.0	A+
September 30, 2023	$1.7B	2.95%	5.0	A+
June 30, 2023	$1.8B	1.84%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Credit Union 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 Credit Union 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 Credit Union One Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union One Credit Union

Website https://www.cuone.org

Address 400 E 9 Mile Rd, Ferndale, MI 48220

Phone 248-398-1210

Fax 248-584-5442

President Guadalupe Lara

CEO Gary Moody

Full-Time Employees 296

Part-Time Employees 21

Branch Locations 17

ATM Locations 18

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.46%

Return on Assets (ROA)

0.2953%

Return on Equity (ROE)

2.6912%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

1,816,466,810

Total Amount of Shares and Deposits

1,609,777,990

Total Shares and Deposits < 1 Year

1,601,254,331

Total Shares and Deposits 1 3 Years

6,635,969

Total Shares and Deposits > 3 Years

1,887,690

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

93,832,942

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

93,832,942

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

1,515,945,048

Total Interest Expense (Sum of items 6 8)

2,854,563

Share Certificates

7,635

Number of Accounts for Share Drafts

71,326

IRA KEOGH Accounts

3,148

Number of Accounts for Regular Shares

67,370

Money Market Shares

10,797

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)

124,550,310

Total Liabilities

1,623,436,447

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Credit Union One Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Credit Union One Credit Union

How many branches does Credit Union One Credit Union operate?

Credit Union 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 Credit Union One Credit Union?

Yes, to access services at Credit Union 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, Credit Union 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, Credit Union One Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union One Credit Union offer online and mobile banking?

Most modern institutions like Credit Union 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.cuone.org.