Credit Union ONE - Personal Loans
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Personal Loans

Why a Personal Loan?

We can help you accomplish your goals, whatever they may be.
  • Home improvements
  • Paying off higher interest loans
  • Consolidating debt
  • Educational funding
  • Overdraft Protection
  • And more

Secured Loan Options       View Rates

Receive a lower rate by using funds in your savings account. Loan types include:
  • Share Secured Line of Credit
  • Share Secured
  • Certificate Secured
Freedom Access Freedom ONE EZ Access
Exclusively available for employees of, or those who work at, select hospitals or facilities
A great line of credit option for quick access to cash when you need it. A Fixed Term loan, up to 60 months, flexible for many different purposes. An open-ended 12 month term loan that can be reused for future $1,000 advances once paid off.
Min Loan Amount $500 Min Loan Amount $500 Loan Amount $1,000
Max Loan Amount $35,000 Max Loan Amount $35,000
Access anytime, anywhere. Transfer from Online Banking, or in the branch to your checking/savings accounts. Get one lump sum transferred to your savings/checking or as a check to pay off other debts. Access to funds year after year without needing to reapply again.
Variable rate:
as low as 6.25% APR*
Fixed rate:
as low as 6.95% APR**
Fixed rate:
as low as 15.00% APR
*APR=Annual Percentage Rate. Variable rate subject to change monthly based on the prime rate as published in the Wall Street Journal plus a margin. Actual rate offered is based on overall creditworthiness factors. Interest begins to accrue when you access the funds. Floor APR is 6% and the maximum APR is 18%. Other conditions may apply.
**APR=Annual Percentage Rate. Actual rate offered is based on credit worthiness factors. Approximate monthly payment would be $19.78 per $1000 borrowed at 6.95% for 60 months. Other conditions may apply. Rate subject to change.
Available to employees of or those employed at hospitals, facilities, and affiliates of the Detroit Medical Center, Beaumont Health, St. Joseph Mercy Health System, Spectrum Health and Munson Healthcare. Subject to eligibility verification.
Credit limit offered will be $1,000 on all approved loans. After $1,000 initial draw, subsequent draws must be made for the full amount of the available credit limit. Outstanding balance must be $100 or less for subsequent draws. Member must have a minimum automatic monthly payroll direct deposit of $500. Subject to approval based on overall creditworthiness factors. Other conditions may apply. Rate subject to change.