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 DMC and
St. Joseph Mercy employees only
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 7.95% 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 $20.26 per $1000 borrowed at 7.95% for 60 months. Other conditions may apply. Rate subject to change.
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.