At a glance
From its website, read 2 Nov 2026One Detroit Credit Union is a credit union based in Detroit, Michigan. Its website describes auto loans and personal loans. Where it lends: Southeast Michigan (Community Champion mortgage program). Consumer loan APRs stated on its site range from 10.99% to 18%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.OneDetroitCU.org |
| Office (official list) | P.O. Box 32584, Detroit, MI 48232 |
What their website says about applying
Apply online to refinance that loan and save money every month.
sourceEnter your contact details below and a friendly expert from Mortgage Center will reach out to you!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | (1) 75% & Less LTV (5.00% Minimum Rate); (2) 75% & Less LTV (7.00% Minimum Rate); (3) Greater than 75% LTV (5.00% Minimum Rate); and (4) Greater than 75% LTV (8.00% Minimum Rate). | source |
| Loans (general) | Rate: up to 18% APR | The maximum ANNUAL PERCENTAGE RATE at any time is 18.00%. | source |
| Auto / vehicle loans | Rate: 10.99% APR | First-Time Auto Buyers receive a flat 10.99% APR*. | source |
| Auto / vehicle loans | Term: up to 5 yr | Maximum Term: 60 months | source |
| Auto / vehicle loans | Term: up to 6 yr | *Term of up to 72 months; maximum secured loan amount is $60,000 | source |
| Personal / consumer loans | Term: see their wording | With a term up to 12 months, you can borrow $500-$4,000. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 680
Eligibility requires a minimum credit score of 680 and employment in a qualifying field.
source - Membership required
Maximum loan to value 125%. Membership required.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Sep 2014 |
| RSSD ID | 85799 |
| Address | P.O. Box 32584, Detroit, MI 48232 Directions to the main office (Google Maps) |
| Website | www.OneDetroitCU.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan product pages are limited; the Community Champion mortgage is a partner program and the overall service area is not stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | up to $60,000 | maximum secured loan amount is $60,000 and loan to value shall not exceed 125% of vehicle value. | source |
| Personal / consumer loans | $500 – $4,000 | With a term up to 12 months, you can borrow $500-$4,000. | source |
Loan sizes
Service area
Southeast Michigan (Community Champion mortgage program)
Designed for the Everyday Heroes of Southeast Michigan
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply online to refinance that loan and save money every month.
source
Pages read (7)
- https://www.onedetroitcu.org/
- https://www.onedetroitcu.org/home-equity
- https://www.onedetroitcu.org/vehicle-loans
- https://www.onedetroitcu.org/personal-loans
- https://www.onedetroitcu.org/first-time-auto
- https://www.onedetroitcu.org/mortgages/community-champion-loan
- https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD_Ka8B00Sq9Dl_IGrVGgGm_mo2uaxVdo7Bvz1LMmiKe5Qr68B-Sg2K7VTVybhXOXPA
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$13.3 million in 10 awards from the U.S. Treasury's CDFI Fund, 2009–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $4,337,968 |
| 2021 | CDFI Program, Financial Assistance | $225,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2018 | CDFI Program, Financial Assistance | $600,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
| 2012 | CDFI Program, Financial Assistance | $953,806 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2009 | CDFI Program, Financial Assistance | $2,000,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $922,000 in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as ONE DETROIT (charter 61495). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $61.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 12,602 (as of 30 Jun 2026) |
| Offices | 4 (as of 30 Jun 2026) |
Offices by state and county (4)
Michigan (4 offices)
- Wayne County (4): 630 Howard St, Detroit 48226 (main office); 14740 Mack Ave, Detroit 48215; 15123 Woodward Ave, Highland Park 48203; 2025 Middlebelt Rd, Inkster 48141
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by One Detroit Credit Union (NCUA charter 61495, filed as “ONE DETROIT”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $37.7 million, 6,572 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 5.8% from $35.7 million on 30 Jun 2025 |
| Members | 12,602 (as of 30 Jun 2026); 12,354 (as of 30 Jun 2025) |
| Loans per member | $2,994 (total loans divided by members, 30 Jun 2026) |
| Total assets | $61.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $175,810 | 0.5% |
| Used vehicle loans | $5.6 million | 14.9% |
| First-lien home mortgages (1-4 family) | $7.7 million | 20.5% |
| Other real estate loans (junior liens, other) | $5.9 million | 15.5% |
| Credit cards | $1.8 million | 4.9% |
| Other unsecured loans | $11.4 million | 30.2% |
| Leases and other secured loans | $5.1 million | 13.5% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $61.8 million | Larger than 0% of the 16 other certified credit unions in Michigan (median $390 million). |
| Loans as a share of assets | 61% | Median of the same 16 credit unions: 72%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $35.7 million → $37.7 million (+6%) | Median change of 16 other certified credit unions in Michigan: +2%. Rank by loans held among these 17: 17 → 17. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Michigan | 16 | larger than 0% |
| Loans held then vs now | certified credit unions in Michigan reporting both dates | 16 | rank 17 → 17 of 17 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Auto / vehicle loans (this lender states from 10.99%): Public Service Credit Union from 4.74% (19 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Stated rates: each lender's own website, read on the date shown.
Other certified CDFIs in Detroit and Michigan
- Detroit Development FundLoan fund · Detroit, MICommercial real estate loans, Microloans, Small-business loansVerified
- Invest Detroit FoundationLoan fund · Detroit, MIEquity / venture investment, Affordable housing development loans, Small-business loansVerified
- Michigan Women's Foundation, TheLoan fund · Detroit, MIMicroloans, Small-business loansVerified
- Prosperus Detroit Micro LendingLoan fund · Detroit, MICredit-builder loans, MicroloansVerified
Work at One Detroit Credit Union? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.