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We provide the financing options that fit, at a competitive rate.

We're proud to serve Michigan members with various loans that fit their lives.

Vehicle Loans

  • Auto Loans

    We're your destination for a better way to finance a vehicle. View Details
  • Boat Loans

    Kick back and relax with one of our boat loans. View Details
  • Motorcycle Loans

    We'll help you discover the open road on your dream bike. View Details
  • RV & Camper Loans

    Be stress-free when you buy a new RV or camper, or refinance your current loan. View Details

Home Loans

  • Home Mortgages

    We hold the key to your ideal mortgage. View Details
  • Home Loan Refinancing

    When market conditions are right, get a lower interest rate on your mortgage. View Details
  • Home Equity

    Financing for big expenses can be on the house. View Details

Personal Loans

  • Compare Personal Loans

    We offer many options to pick from, here's the quickest way to find the right fit. View Details
  • Personal Credit Cards

    View Details
  • Unsecured Loans and Lines of Credit

    Get the financing you need for anything you want. View Details
  • Secured Loans and Lines of Credit

    Borrow money against the value of your savings. View Details
  • Build Credit

    Find the right fit that gets your credit back on track. View Details

Loan Payments

  • Payment Options

    Pay the way that fits your schedule best. View Details
  • Skip-A-Pay

    Get the financial breathing room you need. View Details

Membership Benefits

Multi-Loan Discount Program
If you have a loan with Credit Union ONE today, you can save money on select new loans.    
Learn More
Related resources

What is the payoff on my loan?

You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking. Also, you can call the Member Contact Center at 800-451-4292 or visit a branch.

How can I get the lien released on my car?

The release of lien will be mailed to the address on file after 5 business days of the loan payoff. You can also contact Member Contact Center at 800-451-4292 to request a release of lien be mailed, emailed, or faxed.

My car is being repossessed what can I do to stop it?

Visit a branch or call the Member Contact Center at 800-451-4292 or If a member's loans are past due, up for repossession or charged off, the loan can be reviewed by the Credit Solutions Department.

How do I pay off my loan? 

Loan payoff amounts for same day payoff can be obtained in Online Banking by clicking on the Loan Payment tab and from that menu selecting Loan Payoff Amount. Call the Member Contact Center at 800-451-4292 or visit a branch.  Payoffs can be mailed to Credit Union ONE, 400 E. Nine Mile Rd., Ferndale, MI 48220. 

How do I check my loan status?

Check your status by logging in to Online Banking; setting up alerts in Online Banking; accessing Telephone Banking or Mobile Banking. Also, you can call the Member Contact Center at 800-451-4292 or visit a branch.

How do I payoff my loan? 

Loan payoff amounts for same-day payoff can be obtained in Online Banking by clicking on the Loan Payment tab and from that menu selecting Loan Payoff Amount. You also can call the Member Contact Center or visit a branch. Dealers can call the Member Contact Center at 800-451-4292 for payoff amounts. Payoffs can be mailed to Credit Union ONE, 400 E Nine Mile Rd., Ferndale, MI 48220. Loan payoffs can be also be processed at a Credit Union ONE branch.

I am in the market for a new car, what are your current rates?

View our Rates page.

How do I apply for a boat, motorcycle, or recreational vehicle loan?

Get all the details about Vehicle Loans online.

What types of boats will you finance? 
 

We finance pontoon, deck, ski, bow rider and other fishing boats. We do not finance high-performance boats, cruisers or Jet-Skis. Read more on our Boat Loans page.  

What types of RVs will you finance? 
 

We finance Class A and B, Class C, Fifth Wheel, Travel Trailers and Pop-Up Campers. Lean more on our RV & Camper Loans page.

What types of motorcycles will you finance? 
 

We finance street bikes and three-wheeled bikes. We do no finance custom choppers or high-performance street bikes. Learn more on our Motorcycle Loans page.

What is Mechanical Repair Coverage? 

Our Mechanical Repair Coverage page explains all the details.

How can I get more loan coupons?

Call the Member Contact Center at 800-451-4292 or visit a branch. There is a $5.00 fee for a set of 36 coupons.

How do I close a loan with Credit Union ONE?

Loan closing can be done at any Credit Union ONE branch. Some loans can also be closed electronically.

Where do I find information on my loan title?

Michigan is not a title holding state. Titles that are issued in the state of Michigan will be mailed to you once the Credit Union ONE lien is placed on it. If  a vehicle is titled out of state and that state is a title holding state, then the members title will be held at Credit Union ONE until the loan is paid in full.

I made my payment and I was charged a late fee. Why?

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. If many cases, you might have sent in a loan payment but it was short a few cents. Your loan will become past due if the difference is not made up before the next due date and a late fee will be assessed. 

How can I obtain a letter of guarantee?

Please visit a branch location of call the Member Contact Center at 800-451-4292 for more information.

I can't make the payment by the due date, what can I do?

Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.


How can I change the due date of my loan payments?

The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.