|
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.
 One Detroit 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
One Detroit Credit Union's 60 Month CD rates are at 3.30%, 48 Month CD rates are at 3.14%, 36 Month CD rates are at 2.89%, 24 Month CD rates are at 2.73%, 18 Month CD rates are at 2.68%. One Detroit Credit Union's savings rates are at 0.05%. One Detroit Credit Union's money market rates are at 0.20%. One Detroit Credit Union's Personal Loan Rates are as low as 10.99%. One Detroit Credit Union's Credit Card Rates are at 15.50%. One Detroit Credit Union's CD rates are 9% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of One Detroit Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.84%. Rates last updated and verified on 10/29/2026. One Detroit 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 Detroit Credit Union? Share your experience about One Detroit Credit Union by leaving a review below, or read customer reviews before you decide to use One Detroit Credit Union. One Detroit Credit Union
One Detroit Credit Union 630 Howard St
https://www.onedetroitcu.org Detroit, MI 48226  Customer Reviews
Be the first to review
Write a Review
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. One Detroit Credit Union CD Rates
One Detroit Credit Union Savings Rates
One Detroit Credit Union Money Market Rates
One Detroit Credit Union Home Equity & HELOC
One Detroit Credit Union Auto Loan Rates
One Detroit Credit Union Credit Card Rates
One Detroit Credit Union Personal Loan Rates
One Detroit Credit Union Other Rates
Financial Health HistoryOne Detroit Credit Union’s Texas Ratio fell from 7.83% in Q3 2023 to 4.84% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A 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 One Detroit 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 Detroit 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 Detroit Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
One Detroit Credit Union
Website
https://www.onedetroitcu.org
Address
630 Howard St,
Detroit, MI 48226
Phone
313-965-8640
Fax
313-965-0455
President
Kai Bowman
CEO
Portia Powell
Full-Time Employees
42
Part-Time Employees
0
Branch Locations
4
ATM Locations
4
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
4.84%
Return on Assets (ROA)
-0.8073%
Return on Equity (ROE)
-3.6011%
Non-Performing Loans Ratio (NPL)
1.98%
Total Assets
61,777,427
Total Amount of Shares and Deposits
45,963,671
Total Shares and Deposits < 1 Year
41,762,010
Total Shares and Deposits 1 3 Years
3,625,068
Total Shares and Deposits > 3 Years
576,594
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,030,336
Total Uninsured Shares and Deposits > $250K (F+J)
2,282,456
Total Insured Shares and Deposits > $250K (item 17 less item K)
43,681,215
Total Interest Expense (Sum of items 6 8)
151,975
Share Certificates
540
Number of Accounts for Share Drafts
8,985
IRA KEOGH Accounts
83
Number of Accounts for Regular Shares
14,605
Non Member Deposits
16
Money Market Shares
103
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)
2,802,440
Total Liabilities
49,477,834
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for One Detroit 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 One Detroit Credit Union
Frequently Asked Questions About One Detroit Credit UnionDoes One Detroit Credit Union offer CDs?Yes. One Detroit Credit Union current CD rates include its 60 Month CD at 3.30% APY, its 48 Month CD at 3.14% APY and its 36 Month CD at 2.89% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from One Detroit Credit Union NCUA insured?Yes. One Detroit 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 One Detroit Credit Union?The highest One Detroit Credit Union CD rate is its 60 Month CD at 3.30% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does One Detroit Credit Union offer?One Detroit Credit Union CD rates are 2.53% APY for a 12 month CD, 2.68% APY for an 18 month CD, 2.73% APY for a 2 year CD, 2.89% APY for a 3 year CD, 3.14% APY for a 4 year CD and 3.30% 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 One Detroit Credit Union for its full lineup. What is the highest savings rate at One Detroit Credit Union?The highest One Detroit Credit Union savings rate is its Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at One Detroit Credit Union?The highest One Detroit Credit Union money market rate is its Money Market Tier 2 at 0.20% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at One Detroit Credit Union?The lowest One Detroit Credit Union auto loan rate is its Cars, Trucks, Vans, Sport Utility Vehicles - 36 Months Loan at 4.24% APR, verified by MonitorBankRates as of October 29, 2026. One Detroit Credit Union auto loan rates are 4.24% APR for a 36 month auto loan, 4.49% APR for a 48 month auto loan, 4.99% APR for a 60 month auto loan and 5.24% APR for a 72 month auto loan. What is the lowest personal loan rate at One Detroit Credit Union?The lowest One Detroit Credit Union personal loan rate is its Unsecured Loan - 25-48 Months at 13.00% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at One Detroit Credit Union?The lowest One Detroit Credit Union credit card APR is its VISA Gold Credit Card at 15.50% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does One Detroit Credit Union operate?One Detroit 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 Detroit Credit Union?Yes, to access services at One Detroit 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 Detroit 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 Detroit Credit Union provides members with tools to manage their accounts and build a solid financial history. Does One Detroit Credit Union offer online and mobile banking?Most modern institutions like One Detroit 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.onedetroitcu.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 One Detroit Credit Union rates compare?One Detroit Credit Union's CD rates are 9% lower than the MonitorBankRates national average, and it has an A+ health rating. One Detroit Credit Union's top rates are its 60 Month CD at 3.30% APY, its Savings at 0.05% APY, its Money Market Tier 2 at 0.20% APY, its Unsecured Loan - Up to 24 Months at 10.99% APR and its VISA Gold Credit Card at 15.50% APR, verified by MonitorBankRates on October 29, 2026. Current One Detroit Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
L R F D Credit Union
Trumbull Credit Union
Blue Water Federal Credit Union
R-G Federal Credit Union
SunWest Federal Credit Union
Sunbelt Federal Credit Union
Summit Federal Credit Union
BrightBridge Credit Union
Andrews Federal Credit Union
Fayette County School Employees Credit Union
United Catholics Federal Credit Union
Central Credit Union of Illinois
Heartland Credit Union Hutchinson, KS
Keystone Credit Union
Taupa Lithuanian Federal Credit Union
WV National Guard Federal Credit Union
Hawaii Law Enforcement Federal Credit Union
Eagle Can Employees Credit Union
Clairton Works Federal Credit Union
Dakota Rail Line Federal Credit Union
Olean Teachers And Postal Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
