What are the current interest rates at One Detroit Credit Union?

Current rates for One Detroit Credit Union include: 12-Month CD: 2.53%, 18-Month CD: 2.68%, 24-Month CD: 2.73%, 60-Month CD: 3.30%, Savings: 0.05%, MMA: 0.20%

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One Detroit Credit Union

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One Detroit Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

One Detroit Credit Union's top rates as of October 9, 2026 are 3.30% APY on its 60 Month CD, 0.05% APY on savings, 0.20% APY on money market accounts, personal loans from 10.99% APR, and credit cards from 15.50% APR, according to rates verified by MonitorBankRates. Other One Detroit Credit Union CD rates include 48 Month CD at 3.14%, 36 Month CD at 2.89%, and 24 Month CD at 2.73%. 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 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.84%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

One Detroit Credit Union
One Detroit Credit Union

630 Howard St
Detroit, MI 48226

https://www.onedetroitcu.org

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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

Product	Rate	APY	Term
60 Month Certificate	3.25%	3.30%	60 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
48 Month Certificate	3.10%	3.14%	48 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
36 Month Certificate	2.85%	2.89%	36 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.89% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
24 Month Certificate	2.70%	2.73%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.73% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
18 Month Certificate	2.65%	2.68%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.68% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
12 Month Certificate	2.50%	2.53%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
6 Month Certificate	2.30%	2.32%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.32% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
3 Month Certificate	1.00%	1.00%	3 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%

One Detroit Credit Union Savings Rates

Product	Rate	APY
Club Magic	0.05%	0.05%
Min Deposit $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Share Savings	0.05%	0.05%
Min Deposit $10 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%

One Detroit Credit Union Money Market Rates

Product	Rate	APY
Money Market Tier 2	0.20%	0.20%
Min Deposit $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Money Market Tier 1	0.10%	0.10%
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%

One Detroit Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Under 75% of Home's Life Time Value	-	-	7.00%
Details Rate: Prime Rate published in The Wall Street Journal + margin. Contact your Credit Union representative directly for most up to date rate information. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Home Equity Up to 100% of Home's Life Time Value	-	-	8.00%
Details Rate: Prime Rate published in The Wall Street Journal + margin. Contact your Credit Union representative directly for most up to date rate information. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 2, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%

One Detroit Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Cars, Trucks, Vans, Sport Utility Vehicles Loan	-	-	4.24%	36 Months
Details APR* As Low As; Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Cars, Trucks, Vans, Sport Utility Vehicles Loan	-	-	4.49%	48 Months
Details APR* As Low As; Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Cars, Trucks, Vans, Sport Utility Vehicles Loan	-	-	4.99%	60 Months
Details APR* As Low As; Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Cars, Trucks, Vans, Sport Utility Vehicles Loan	-	-	5.24%
Details Condition: 72 Months ($15,000+). APR* As Low As; Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Truck Loan	-	-	7.25%	48-60 Months
Details Up to $10,000, max 60 months Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Truck Loan	-	-	7.45%	72 Months
Details Up to $10,000, max 60 months Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.45% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Truck Loan	-	-	7.55%	84 Months
Details Up to $10,000, max 60 months Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.55% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Truck Loan	-	-	7.65%	120 Months
Details $10,000 - $60,000, max 120 months Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
First Time Auto Buyer Loans	-	-	10.99%	20 months
Details Term: First Time Auto Buyer Loans (up to $20,000; 60 months maximum.); APR* As Low As; Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%

One Detroit Credit Union Credit Card Rates

Product	Rate	APR
VISA Gold	-	15.50%
Details Rate: Variable APR*; Rewards: Travel, Gifts (Click Here for info) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
VISA Classic	-	17.50%
Details Rate: Variable APR*; Rewards: Travel, Gifts (Click Here for info) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
VISA Secured	-	17.50%
Details Rate: Variable APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%

One Detroit Credit Union Personal Loan Rates

Product	APR	Term
Unsecured (Closed-End) - Up to 24 Months Loan	10.99%	Up to 24 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Unsecured (Closed-End) - 25-48 Months Loan	13.00%	25-48 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%

One Detroit Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Drive Detroit Loan	-	-	11.99%
Details APR* As Low As; Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Holiday Loan	-	-	8.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
LINES OF CREDIT Loan	-	-	15.50%
Details open-end Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
MyPay Today Loan	-	-	18.00%	up to 2 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Summer Fun Loans	-	-	8.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
IRA	0.05%	-	0.05%
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%
Save to Win Certificate	0.15%	-	0.15%
Min Deposit $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.84%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

One 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)

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
June 30, 2026	$62M	4.84%	5.0	A+
March 31, 2026	$65M	4.45%	5.0	A+
December 31, 2025	$63M	5.84%	5.0	A+
September 30, 2025	$62M	5.77%	5.0	A+
June 30, 2025	$65M	6.54%	5.0	A
March 31, 2025	$66M	5.67%	5.0	A+
December 31, 2024	$64M	6.76%	5.0	A
September 30, 2024	$64M	5.20%	5.0	A+
June 30, 2024	$64M	4.53%	5.0	A+
March 31, 2024	$63M	5.45%	5.0	A+
December 31, 2023	$60M	7.68%	5.0	A
September 30, 2023	$56M	7.83%	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 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

Financials

MonitorBankRates 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

Number of Accounts for Regular Shares

14,605

Non Member Deposits

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

Q2 2026 MBR Health & Safety Badge

One Detroit Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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       width="160" height="160">
</a>

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

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Frequently Asked Questions About One Detroit Credit Union

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.