⚠️ SECURITY TIP: One Detroit Credit Union staff will never ask for your personal information or online banking login over the phone or via email.

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Write Yourself a Loan!

That´s right, write yourself a loan - with One Detroit Credit Union´s revolving line of credit! It is a loan that is secured by your signature. Once you receive approval, you can access it at any time for any amount (up to your credit limit). You can pick up your loan, have a check mailed to you, have the funds transferred to your checking account, or you can use special checks issued by the credit union. With revolving line of credit, you can´t go wrong.

The total maximum a member can borrow in unsecured loans is $20,000. This includes lines of credit in addition to seasonal loans or other unsecured loans you may have with 1DCU. 

Apply Now Button Personal Loans                 click here to check your application status

Seasonal Loans

Looking to save extra money duiring the winter and/or summer months? Our Holiday or Summer Loans may be the right option for you. With a term up to 12 months, you can borrow $500-$4,000.

  • Holiday Loan Offering: Nov. 1st - January 31st
  • Summer Loan Offering: June 1st - August 31st

Expect the best out of life, but be prepared.

You’ve always done what’s right for the ones you love. Taking steps to ease the financial burden if you were to die is just one more way to show you care.

TruStage® Life Insurance can help give you peace of mind today and provide an income-tax free cash benefit for your family. It can help pay expenses you might leave behind like funeral costs, mortgage payments or unpaid debts.

TruStage helps make it easy to compare insurance and explore options you can afford—so you can make a good decision today for your family:

Don’t wait another day to be prepared.

Get an instant quote online today. Or, call 1-800-814-2914 and talk to a licensed agent.


A Tradition of Strength

TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of February 2017 by A.M. Best, an independent rating service that evaluates financial stability and operating performance. “A” is the third-highest of 16 ratings.

TruStage® Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. © 2017 TruStage Insurance Agency


Life Insurance. Act Now. Tru-Stage Insurance Company.


*APR = Annual Percentage Rate. Rate and loan amount will be subject to credit approval and based on credit history. Monthly payment example per $1,000 borrowed at a rate of 10.99% APR for 12 monthly payments would be $$88.38 per month. The annual percentage rate is the credit union's standard rate. Membership required.

Right to Request Specific Reasons for Credit Denial

If your application for credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact us at the address below within 60 days from the date you are notified of our decision. We will send you a written statement of reasons for the denial within 30 days of receiving your request for the statement.

One Detroit Credit Union

630 Howard Street

Attn: Chief Lending Officer

Detroit, MI 48226

Equal Credit Opportunity Act Notice

The federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington DC 20006.

Notice for Incomplete Applications

If you have submitted an application for credit, and we notify you that additional items are needed before we can fully evaluate your request, please submit the information within 90 days from the date of our request.

If we do not receive all of the information we requested by that time, we will regrettably not be able to give further consideration to your request. However, we welcome you to submit a new application at any time and we will give it our full consideration.


If you have submitted an application for credit, and we have offered you credit on terms that are different than the terms you applied for, we are unable to offer you the credit on the terms that you requested. If you choose not to accept our counteroffer or if you do not accept it within 90 days, we will consider the application denied. See the above "Right to Request Specific Reasons for Credit Denial."