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Access the equity in your home.

Home Equity Line of Credit

Rates as low as
4.00% APR1

A convenient financing option that fits your life.

Auto Loan Rates
Get rates as low as 2.39% APR* and purchase GAP Insurance with Deductible Assistance at the low rate of $399

Your home, your equity

What big projects do you have in mind? You can pay for them, at a competitive rate, by tapping into your home's equity with Credit Union ONE's Home Equity Line of Credit. Or use our HELOC to consolidate your high-interest debt from other lenders and start paying off quicker each month with our competitive rate. You can get a line of credit for up to 80% of your home's value to finances any large expenses. Consider all of the time and energy you've invested in your home. Now you can make that equity work hard to help you reach your financial goals.

Apply for a HELOC today.
Apply Online
Related Resources

How do I view transaction information?

You can find this information by logging in to Online Banking, Mobile Banking, or using 24-Hour Telephone Banking.

How do I make a loan payment? 

Make a payment via phone; use the Make a Payment feature; transfer money through Online Banking; or use ACH autopay.

How do I reset my Online Banking password?

You can change your Online Banking password by signing in to Online Banking and selecting Update Member Profile in the upper-right corner. Or you can select More Options on the left menu and then Member Profile. Then select Change Password.

How do I report fraud on my account? 

Cash Back Checking Accounts:
Debit cards will be instant-issued at branch at the time the account is opened at the branch. Debit cards will be mailed via USPS mail to the physical address if the checking account was opened online.

Basic Checking Accounts:
Debit cards will ONLY be mailed via USPS at the time account is opened at the branch, NOT instant-issued. Debit cards will be mailed via USPS mail to the physical address if the checking account was opened online.

Cash Back Checking Accounts:
Replacement debit cards can be instant-issued at the branch; fee is $5.00.  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS; fee is $5.00 (Debit Card Procedures, Debit Card Replacement Fee **I don't know what these mean**).  Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx; fee is $30.00 (Rush Order Debit Cards **I don't know what this means**).

Basic Checking Accounts:
Replacement debit cards can be instant issued at the branch ONLY if the first debit card has been received via USPS mail; fee is $5.00. (New Member/New Account Procedure **I don't know what this means**).  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS mail; fee is $5.00 (Debit Card Procedures, Debit Card Replacement Fee **I don't know what this means**).  Requests over the phone or via email/chat for Rush Order replacement debit cards will be delivered via FedEx ONLY if the first debit card has been received by USPS mail; fee is $30.00 (Rush Order Debit Cards).

What fees are associated with my Credit Union ONE account?

Access a full list of our account fees.

How do I report fraud on my account?

Visit any Credit Union ONE branch or call the Member Contact Center at 800-451-4292.

What are your hours? 

Please visit our Locations & ATMs page.

How do I set up direct deposit? 

The direct deposit letter can be printed and sent to you to give to employer. Call the Member Contact Center at 800-451-4292 or visit a branch.  Auto pay is also set up through the Member Contact Center or by visiting a branch. You can use Online Banking to set up scheduled payments or recurring external transfers.

How do I check my balance? 

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 do I reset my 24-Hour Telephone Banking PIN?

For Telephone banking, call 800-423-3069 anytime. Select 1 for Telephone Banking and select 1 again for Account Information. Enter either your member number or full Social Security number. To set the PIN, you will need to enter the last 4 digits of your Social Security number. After you enter the number, the operator will respond and say “PIN has expired." Continue with the process. The operator will then request you enter a new PIN. If you forget your PIN or would like to change it, the Member Contact Center can reset the PIN back to the last 4 digits of your Social Security number, allowing you to choose a new PIN when accessing Telephone Banking again.

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.

How do I pay a bill in Online Banking? 

Online Bill Pay in Online Banking: To add a payee type the payee name in the “Add a Bill:” field. Any payee that appears in the drop down list has an electronic relationship with Bill Pay and payments can be sent as soon as the next business day. If the payee name does not show in that field a check will be issued and mailed to the payee.  Electronic payments will be received by the payee within 2 business days and will be deducted from your checking account at time the payment is sent. Check payments will be received within 5 business days and will be deducted from your checking account when the payee negotiates the check. Bill Pay is still making the payment on their behalf, however, when FIS tries to collect the payment, they are not able to debit those funds and they block Bill Pay.   Blocked accounts will be reviewed and  unblocked once any owed funds are paid. Questons or issues with past payments can be researched by submitting a Bill Pay Support form to FIS for further review.

How do I become a member? 

You can become a member if you live, work, worship, or attend school in the state of Michigan. You can apply for membership online by following the "Join" link a the top of this page.  You can also visit a branch location to apply.

Why is my deposit on hold?

Call the Member Contact Center at 800-451-4292 or visit a branch.  Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $200 will be made available on the same day you make the deposit. If you need funds from a deposit right away, you should ask us when the funds will be available.

What do I do if I have overdrawn my account? 

Yes, you will be assessed a $30.00 fee per transaction when this service is used. 

Please contact us to review the Opt-In form. This will allow you to extend the overdraft service to include ATM and non-recurring debit card transactions.

Do you notarize? 

Credit Union ONE offers Notary services for members and non-members at no charge. Please visit any of our branch locations for this service. A notary public is an officer commissioned by the Michigan Secretary of State to serve as an unbiased and impartial witness. The most common function of the notary is to prevent fraud by attesting to the identity of a person signing a document. Notarization on a document certifies that the person whose signature is entered on the document personally appeared before the notary, established his or her identity, and personally signed the document in the presence of the notary.

How do I open a Certificate of Deposit? 

Call the Member Contact Center at 800-451-4292, visit any Credit Union ONE branch [links to Branches] or use Online Banking. In Online Banking, click on Open an Account and choose Certificate of Deposit from the drop-down menu. Our latest CD rates are available online.

How do I obtain my previous year tax information (1099 Form)? 
 

If you earned $10 or more in interest in the previous year, you were mailed a 1099-INT form at the end of January. If you need another copy of your 1099-INT, please visit one of our branches. If you earned less than $10 in interest in the previous year, you will not receive a 1099-INT. However, the interest you earned is listed in your December statement, which can be viewed in Online Banking.

Do you offer GAP insurance? 

Yes, learn more about Guaranteed Asset Protedtion (GAP) insurance online. To apply for GAP insurance, contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch.

Do you offer IRAs? 

Credit Union ONE does offer Traditional IRAs, Roth IRAs, Rollover IRAs, and Spousal IRAs.

Can I open an account online?

New members can open accounts online. If you're an existing member, open new accounts through Online Banking.

How do I link my accounts to Quicken/Mint? 

Online Banking is compatible with Intuit's Quicken and Quickbooks software as well as Mint.com. Features include managing and balancing accounts; budgeting and cash flow; debt reduction planning; and reviewing your entire financial portfolio. For more information on these products or for member support, please refer to the following links:  • Mint.com Help, • Quicken Technical Support; • QuickBooks Technical Support.

Do you offer financial planning services? 

The Hantz Group has partnered with Credit Union ONE to help our members with Financial Planning, Retirement, Education, Life/Long-Term Care Insurance, Taxes, Home and Auto Insurance, Estate Planning, Investments. We can assist members with focusing on their current and future financial needs.

Do you offer student loans? 

Credit Union ONE partnered with Student Choice to process student loans and we can help you apply for loans and find additional information online. 

How do I use MasterCard Secure Code? 

MasterCard SecureCode is a MasterCard service offered to all Credit Union ONE debit card holders. The service will activate when making online purchases with participating merchants providing an extra layer of security.

Are there service fees associated with the Cash Back Checking? 
 

The $6.00 monthly maintenance fee is waived each month that one of the following is met: 
  • Under age 24, over age 65
  • Direct Deposit 
  • $500 monthly average balance
  • A combination of 15 Debit Card purchases or Bill Payments per month**

**Debit Card Purchase must be posted to the account by the 25th of each month. Excludes ATM transactions.


Is my E-Statement secure and safe?
 

Your E-Statement is stored securely behind our Online Banking firewalls.

What types of business savings accounts do you offer? 
 

Credit Union ONE offers a variety of business savings accounts to meet your business banking needs.

What is a Smart Boost Credit Builder loan?

Find out all you need to know about the Credit Builder loan online.

What is a money market account?

Our Money Market Account page explains all the details and how to open this account.

What are your youth accounts? 

Our Youth Accounts page explains all the details about options for youth members. 

What are your current loan rates? 

Our Rates page provides the most updated rates we're offering. 

What is the difference between a traditional mortgage and an FHA?

Our Home Mortgages page explains the details of our various mortgage options.

What is the difference between a Freedom ONE and Freedom Access personal loan?

Freedom ONE is a closed-end term loan. Freedom Access is an open-end line of credit. 
 

What is the difference between an open ended and closed ended loan? 

Freedom ONE is a closed-end term loan. Freedom Access is an open-end line of credit. 
 

Who is eligible for an FHA mortgage?
 

Our FHA Loans page provides all the details about this option. 
 

Auto loan rates?

Our Rates page provides the most updated rates we're offering. 

How do I open a checking account for my child? 

Our Youth Accounts page explains all the details about options for youth members. 

How do I apply for a Smart Boost Credit Builder Loan?

Find out all you need to know about the Credit Builder loan online.

How do I become a member of Credit Union ONE?

 If you live, work, worship, or attend school in the State of Michigan, you are eligible for membership. You can apply online or by visiting one of our convenient branch locations.

What is MasterCard Secure Code? 

MasterCard SecureCode is a MasterCard service offered to all Credit Union ONE debit card holders. The service will activate when making online purchases with participating merchants providing an extra layer of security.

What is Student Choice?

Credit Union ONE partnered with Student Choice to process student loans and we can help you apply for loans and find additional information online. 

What is Hantz Group? 

The Hantz Group has partnered with Credit Union ONE to help our members with Financial Planning, Retirement, Education, Life/Long-Term Care Insurance, Taxes, Home and Auto Insurance, Estate Planning, Investments. We can assist members with focusing on their current and future financial needs.

Can I link my accounts to Quicken/Mint?

Online Banking is compatible with Intuit's Quicken and Quickbooks software as well as Mint.com. Features include managing and balancing accounts; budgeting and cash flow; debt reduction planning; and reviewing your entire financial portfolio. For more information on these products or for member support, please refer to the following links:  • Mint.com Help, • Quicken Technical Support; • QuickBooks Technical Support.

Where do I go online to open an account?

New members can open accounts online. If you're an existing member, open new accounts through Online Banking.

What IRAs do you offer? 

Credit Union ONE does offer Traditional IRAs, Roth IRAs, Rollover IRAs, and Spousal IRAs.

Where can I find information about GAP insurance?

Yes, learn more about Guaranteed Asset Protedtion (GAP) insurance online. To apply for GAP insurance, contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch.

What are your Certificate of Deposit rates?

Call the Member Contact Center at 800-451-4292, visit any Credit Union ONE branch [links to Branches] or use Online Banking. In Online Banking, click on Open an Account and choose Certificate of Deposit from the drop-down menu. Our latest CD rates are available online.

How do I get a document notarized?

Credit Union ONE offers Notary services for members and non-members at no charge. Please visit any of our branch locations for this service. A notary public is an officer commissioned by the Michigan Secretary of State to serve as an unbiased and impartial witness. The most common function of the notary is to prevent fraud by attesting to the identity of a person signing a document. Notarization on a document certifies that the person whose signature is entered on the document personally appeared before the notary, established his or her identity, and personally signed the document in the presence of the notary.

How do I keep from overdrawing my account? 

Yes, you will be assessed a $30.00 fee per transaction when this service is used. 

Please contact us to review the Opt-In form. This will allow you to extend the overdraft service to include ATM and non-recurring debit card transactions.

When will the hold be released?

Call the Member Contact Center at 800-451-4292 or visit a branch.  Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $200 will be made available on the same day you make the deposit. If you need funds from a deposit right away, you should ask us when the funds will be available.

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.

My Bill Pay is blocked and will not let me make payments?

Online Bill Pay in Online Banking: To add a payee type the payee name in the “Add a Bill:” field. Any payee that appears in the drop down list has an electronic relationship with Bill Pay and payments can be sent as soon as the next business day. If the payee name does not show in that field a check will be issued and mailed to the payee.  Electronic payments will be received by the payee within 2 business days and will be deducted from your checking account at time the payment is sent. Check payments will be received within 5 business days and will be deducted from your checking account when the payee negotiates the check. Bill Pay is still making the payment on their behalf, however, when FIS tries to collect the payment, they are not able to debit those funds and they block Bill Pay.   Blocked accounts will be reviewed and  unblocked once any owed funds are paid. Questons or issues with past payments can be researched by submitting a Bill Pay Support form to FIS for further review.

What is the phone number for 24-Hour Telephone Banking? 

For Telephone banking, call 800-423-3069 anytime. Select 1 for Telephone Banking and select 1 again for Account Information. Enter either your member number or full Social Security number. To set the PIN, you will need to enter the last 4 digits of your Social Security number. After you enter the number, the operator will respond and say “PIN has expired." Continue with the process. The operator will then request you enter a new PIN. If you forget your PIN or would like to change it, the Member Contact Center can reset the PIN back to the last 4 digits of your Social Security number, allowing you to choose a new PIN when accessing Telephone Banking again.

How do I order checks? 

After your first checkbook order has been successfully placed and received, you may then place successive orders through Online Banking. Once signed in, select Checking, and Order Checks.  Make sure you are allowing "pop-ups" for this process.

What do I owe 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 do I set up and automatic payment? 

The direct deposit letter can be printed and sent to you to give to employer. Call the Member Contact Center at 800-451-4292 or visit a branch.  Auto pay is also set up through the Member Contact Center or by visiting a branch. You can use Online Banking to set up scheduled payments or recurring external transfers.

How do I navigate through Online Banking? 

Enroll in Online Banking by clicking Log In and then Register Now, following the prompts. Once in Online Banking, click on the gray tabs and select requested items from the menus. For account history, click on the account name from the Account Summary page. If locked out of Online Banking wait 10 minutes for system to be reset (only once per day) or contact Credit Union ONE at 800-451-4292.

Why have I been charged a fee?

Please refer to our Membership Fee Guide. You can also visit a branch or call the Member Contact Center at 800-451-4292.

Where are your branches located? 

Please visit our Locations & ATMs page.

How do I get a new Platinum Debit MasterCard?

Cash Back Checking Accounts:
Debit cards will be instant-issued at branch at the time the account is opened at the branch. Debit cards will be mailed via USPS mail to the physical address if the checking account was opened online.

Basic Checking Accounts:
Debit cards will ONLY be mailed via USPS at the time account is opened at the branch, NOT instant-issued. Debit cards will be mailed via USPS mail to the physical address if the checking account was opened online.

Cash Back Checking Accounts:
Replacement debit cards can be instant-issued at the branch; fee is $5.00.  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS; fee is $5.00 (Debit Card Procedures, Debit Card Replacement Fee **I don't know what these mean**).  Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx; fee is $30.00 (Rush Order Debit Cards **I don't know what this means**).

Basic Checking Accounts:
Replacement debit cards can be instant issued at the branch ONLY if the first debit card has been received via USPS mail; fee is $5.00. (New Member/New Account Procedure **I don't know what this means**).  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS mail; fee is $5.00 (Debit Card Procedures, Debit Card Replacement Fee **I don't know what this means**).  Requests over the phone or via email/chat for Rush Order replacement debit cards will be delivered via FedEx ONLY if the first debit card has been received by USPS mail; fee is $30.00 (Rush Order Debit Cards).

How do I transfer funds to another Credit Union One member?

You can transfer funds to another Credit Union ONE member in Online Banking by clicking on the Transfer tab and from that menu click on Transfer. Choose the account that the funds are transferring from and select "to another member" under the To Account drop-down. You also can call the Member Contact Center or visit a branch.

How do I update my account information? 

You can update your account information by signing in to Online Banking and selecting the Profile Tab. From that menu, click on Update Profile.

How do I  change my address?

You can update your account information by signing in to Online Banking and selecting the Profile Tab. From that menu, click on Update Profile.

How do I find a branch location near me? 

Please visit our Locations & ATMs page.

How do I dispute a fee? 

Please refer to our Membership Fee Guide. You can also visit a branch or call the Member Contact Center at 800-451-4292.

Why is my debit card declining when I use it?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

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 do I enroll in Online Banking? 

We make it easy to enroll in Online Banking. For existing members who forget their username or password, click on "Forgot Username" or "Forgot Password" link to change them. The Member Contact Center can also reset existing enrollment to let you re-enroll and choose all new information.

Where can I order checks? 

After your first checkbook order has been successfully placed and received, you may then place successive orders through Online Banking. Once signed in, select Checking, and Order Checks.  Make sure you are allowing "pop-ups" for this process.

How do I enroll in 24-Hour Telephone Banking?
 

For Telephone banking, call 800-423-3069 anytime. Select 1 for Telephone Banking and select 1 again for Account Information. Enter either your member number or full Social Security number. To set the PIN, you will need to enter the last 4 digits of your Social Security number. After you enter the number, the operator will respond and say “PIN has expired." Continue with the process. The operator will then request you enter a new PIN. If you forget your PIN or would like to change it, the Member Contact Center can reset the PIN back to the last 4 digits of your Social Security number, allowing you to choose a new PIN when accessing Telephone Banking again.

How do I get my account number to set up direct deposit?  

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch  to obtain a direct deposit letter to provide to employer or organization making the deposit.

Why didn't my bill get paid?

Online Bill Pay in Online Banking: To add a payee type the payee name in the “Add a Bill:” field. Any payee that appears in the drop down list has an electronic relationship with Bill Pay and payments can be sent as soon as the next business day. If the payee name does not show in that field a check will be issued and mailed to the payee.  Electronic payments will be received by the payee within 2 business days and will be deducted from your checking account at time the payment is sent. Check payments will be received within 5 business days and will be deducted from your checking account when the payee negotiates the check. Bill Pay is still making the payment on their behalf, however, when FIS tries to collect the payment, they are not able to debit those funds and they block Bill Pay.   Blocked accounts will be reviewed and  unblocked once any owed funds are paid. Questons or issues with past payments can be researched by submitting a Bill Pay Support form to FIS for further review.

How do I transfer funds to an external account? 

Using Online Banking, members can make external transfers from other Financial Institutions’ account to a Credit Union ONE account OR from a Credit Union ONE account to another Financial Institutions. There is a maximum limit of $2,000.00 per transfer, $2,000.00 total per day and $5,000 total per calendar month. There is no fee for inbound transfers, and a $2.50 fee for outbound transfers. Transfers can be processed in up to two business days. International Transfers, Business Account Transfers, and Joint Owners/Non-Members Transfers are prohibited. To enroll, click on the External Transfers option under the Transfers drop-down menu.

How much do I owe to bring my loan current?

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.

Can the hold be released sooner?

Call the Member Contact Center at 800-451-4292 or visit a branch.  Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $200 will be made available on the same day you make the deposit. If you need funds from a deposit right away, you should ask us when the funds will be available.

How do I enroll in overdraft protection?

Yes, you will be assessed a $30.00 fee per transaction when this service is used. 

Please contact us to review the Opt-In form. This will allow you to extend the overdraft service to include ATM and non-recurring debit card transactions.

What are the terms of the Cerificates?

Call the Member Contact Center at 800-451-4292, visit any Credit Union ONE branch [links to Branches] or use Online Banking. In Online Banking, click on Open an Account and choose Certificate of Deposit from the drop-down menu. Our latest CD rates are available online.

How do I apply for GAP insurance? 

Yes, learn more about Guaranteed Asset Protedtion (GAP) insurance online. To apply for GAP insurance, contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch.

What money management software is compatible with your Online Banking? 

Online Banking is compatible with Intuit's Quicken and Quickbooks software as well as Mint.com. Features include managing and balancing accounts; budgeting and cash flow; debt reduction planning; and reviewing your entire financial portfolio. For more information on these products or for member support, please refer to the following links:  • Mint.com Help, • Quicken Technical Support; • QuickBooks Technical Support.

What are the benefits of financial planning services? 

The Hantz Group has partnered with Credit Union ONE to help our members with Financial Planning, Retirement, Education, Life/Long-Term Care Insurance, Taxes, Home and Auto Insurance, Estate Planning, Investments. We can assist members with focusing on their current and future financial needs.

How do I apply for a student loan? 

Credit Union ONE partnered with Student Choice to process student loans and we can help you apply for loans and find additional information online. 

I tried opening an account at another bank and they told me I have a outstanding balance owed for Credit Union ONE on chex systems. What can I do?

Members who default on Credit Union ONE accounts, including loans, may be reported to chex systems for the amount owed. This can prevent members from opening accounts at other financial institutions. Members who want to clear the chex system reporting will need to contact us to pay funds owed.

Can I use my Platinum Debit MasterCard while I travel?
 

After a travel notification has been placed, you may use your Credit Union One Platinum Debit MasterCard anywhere in the world MasterCard transactions are accepted. You may place your travel notification and confirm/correct your contact information anytime through your online banking profile as well as visiting a branch or contacting us by phone.

How do I build credit? 

Find out all you need to know about the Credit Builder loan online.

What are you membership requirements?

You're eligible if you work, live, attend school or worship in Michigan. If you have out-of-state ID, we will need proof you meet the requirements. For example, a paystub showing your employer is based in Michigan, a rental agreement or closing documents with your Michigan address or a school ID will suffice.

How do I open a savings account for my child? 

Our Youth Accounts page explains all the details about options for youth members. 

Personal loan rates?

Our Rates page provides the most updated rates we're offering. 

What are the benefits of a VA loan? 

Our VA Loans page  provides all the details about this option.

What is the difference between a Traditional IRA and a Roth IRA?

Our Traditional IRA and Roth IRA page explain all the details of these accounts.

What is the difference between a loan and a line of credit? 

Freedom ONE is a closed-end term loan. Freedom Access is an open-end line of credit. 
 

What is the difference between a secured loan and an unsecured loan?
 

A car loan and mortgage are the most common types of secured loan. An unsecured loan is not protected by any collateral. If you default on the loan, the lender can't automatically take your property. The most common types of unsecured loan are credit cards, student loans, and personal loans.

What is a Traditional IRA?

Our Traditional IRA and Roth IRA page explain all the details of these accounts.

Who is eligible for a VA loan? 

Our VA Loans page  provides all the details about this option.

RV loan rates?

Our Rates page provides the most updated rates we're offering. 

Can my child become a Credit Union ONE Member? 

Our Youth Accounts page explains all the details about options for youth members. 

How do I open an account online? 
 

Credit Union ONE now offers online account opening and funding. You can open an account online and fund it with a bank checking or savings account or a credit or debit card.

Is there a fee for using overdraft service?  
 

Yes, you will be assessed a $30.00 fee per transaction when this service is used.

Who do I send a request to for a Verification of Deposit?
 

Verification of Deposits are processed by the Admin Services department. Members and merchants can fax the VOD form directly to the Admin Services Department, or mail to Credit Union ONE, 400 E. Nine Mile Rd., Ferndale, MI 48220.

Do you offer CLCD Insurance? 

Yes, learn more about Credit Life & Credit Disability Insurance online. Members should purchase both insurances for peace of mind. The Credit Life Insurance will pay off the loan in the event of a members untimely death. Disabililty Insurance will make the payments in the event the member becomes disabled. 

My CD is matured and I would like to transfer the funds to my
checking account.

Members can redeem their CDs at any Credit Union ONE branch or by calling Member Contact Center 800-451-4292.

What does it cost to use overdraft protection? 

Yes, you will be assessed a $30.00 fee per transaction when this service is used. 

Please contact us to review the Opt-In form. This will allow you to extend the overdraft service to include ATM and non-recurring debit card transactions.

Can I make a partial payment?

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 make a payment using 24-Hour Telephone Banking? 

Loan payments can be made through Telephone Banking if the funds are coming from a Credit Union ONE account. If funds are coming from another institution, payments can be made through Online Banking. Payments can also be made by calling our Member Contact Center at 800-451-4292.

How do I transfer funds to someone without a Credit Union ONE account? 

Using Online Banking, members can make external transfers from other Financial Institutions’ account to a Credit Union ONE account OR from a Credit Union ONE account to another Financial Institutions. There is a maximum limit of $2,000.00 per transfer, $2,000.00 total per day and $5,000 total per calendar month. There is no fee for inbound transfers, and a $2.50 fee for outbound transfers. Transfers can be processed in up to two business days. International Transfers, Business Account Transfers, and Joint Owners/Non-Members Transfers are prohibited. To enroll, click on the External Transfers option under the Transfers drop-down menu.

I did not get my statement. Why? 

Paper statements can be mailed to your address on file for a $2.00 monthly fee. Statements can be retrieved online electronically by accessing Online Banking, clicking on the Accounts tab and clicking on e-statements. There is no fee for e-statements. Members can view and print statements in Online Banking.

How do I use your Skip-A-Pay feature?
 

Members can skip a payment on qualified loans in good standing twice every 12 months for a $30 fee per occurrence. Payments cannot be skipped in consecutive months.  The loan must be open a minimum of 121 days to be eligible. Read more about Skip-A-Pay.

Can I order checks online? 

After your first checkbook order has been successfully placed and received, you may then place successive orders through Online Banking. Once signed in, select Checking, and Order Checks.  Make sure you are allowing "pop-ups" for this process.

How do I set up direct deposit? 

Sign up for direct deposit by providing our routing number, 272479841, and your 10-digit account number to your employer. If the information is needed in writing, we are able to provide a direct deposit letter.

How do I reset my Online Banking password? 

We make it easy to enroll in Online Banking. For existing members who forget their username or password, click on "Forgot Username" or "Forgot Password" link to change them. The Member Contact Center can also reset existing enrollment to let you re-enroll and choose all new information. 

I did not receive my new Debit Chip Card yet?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

How do I find a shared branching center? 

Please visit our Locations & ATMs page.

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.

Do I use my old PIN with my new card?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

How do I find a shared branching center? 

Our Locations & ATMs page provides a full list. Shared branching allows Credit Union ONE members to use other non-Credit Union ONE credit unions to perform certain transactions. Credit Union ONE is required to perform the following transactions for guest credit union members:

• Account Inquiries
• Withdrawals
• Deposits
• Transfers
• Loan Payments
• Loan Advances
• Statement Prints

Any additional services offered are that discretion of Credit Union ONE. 

How do I recover my username? 

We make it easy to enroll in Online Banking. For existing members who forget their username or password, click on "Forgot Username" or "Forgot Password" link to change them. The Member Contact Center can also reset existing enrollment to let you re-enroll and choose all new information. 

How do I stop a bill payment? 

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. Members can contact Member Contact Center to place a stop payment on a check(s) for a $30.00 fee. The check number, amount, and payee information are needed to stop payment. There is no fee to stop a bill pay check. Stop payments can also be processed through Online Banking by going to the Checking tab and clicking on stop payment on a check.

Can I get a copy of my statement?

Paper statements can be mailed to your address on file for a $2.00 monthly fee. Statements can be retrieved online electronically by accessing Online Banking, clicking on the Accounts tab and clicking on e-statements. There is no fee for e-statements. Members can view and print statements in Online Banking.

How do I make a payment by phone? 

Loan payments can be made through Telephone Banking if the funds are coming from a Credit Union ONE account. If funds are coming from another institution, payments can be made through Online Banking. Payments can also be made by calling our Member Contact Center at 800-451-4292.

How do I verify a check?

Verify if checks have cleared by using Online Banking, Mobile Banking, Telephone Banking, or by calling our Member Contact Center at 800-451-4292 or by visiting a branch.

Why can I only make 6 transfers a month?

Regulation D limits the number of electronic transactions from a savings account to 6 per calendar month. This includes transfers made by phone, in Online Banking, and any deductions made by a third party. Online Banking will show the number of electronic transactions that have occurred to date for the month. Any excess electronic transactions will be denied. A $30 overdraft fee may apply.

How can I extend my overdraft coverage to ATM and everyday debit card transactions?  

Yes, you will be assessed a $30.00 fee per transaction when this service is used. 

Please contact us to review the Opt-In form. This will allow you to extend the overdraft service to include ATM and non-recurring debit card transactions.

How can I close my CD?

Members can redeem their CDs at any Credit Union ONE branch or by calling Member Contact Center 800-451-4292.

How do I apply for CLCD insurance? 

Yes, learn more about Credit Life & Credit Disability Insurance online. Members should purchase both insurances for peace of mind. The Credit Life Insurance will pay off the loan in the event of a members untimely death. Disabililty Insurance will make the payments in the event the member becomes disabled. 

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

View our Rates page.

Why do I need a savings account to open a checking account? 
 

A Regular Savings account establishes your relationship with Credit Union ONE and provides the cornerstone for all member services and accounts. For as little as $5, you'll become a Credit Union ONE member and shareholder, and will receive a tiered dividend on your account at a rate established quarterly by the Board of Directors. Your $1.00 one-time membership fee will be donated to cancer research. Once this account has been established, you are eligible to apply for other Credit Union ONE products and services.

How old does my child need to be to become a Credit Union ONE member?

Our Youth Accounts page explains all the details about options for youth members. 

Boat loan rates?

Our Rates page provides the most updated rates we're offering. 

What is the difference between a Home Equity Loan and an Equity Advantage Loan? 

A Home Equity Loan is a closed-end/term loan for a borrower who plans to keep their primary mortgage. Equity Advantage is for borrowers who own their home free and clear or plan to pay off their mortgage with the proceeds from the equity loan. A Home Equity Loan allows you to have two liens against your home while an Equity Advantage only allows you to have one. The benefit of the Equity Advantage is it allows you borrow against your home without paying closing cost as you would for a refinance. Read more in our Home Equity section

What is a Roth IRA?

Our Traditional IRA and Roth IRA page explain all the details of these accounts.

What information do I need to provide my employer to set up direct deposit? 
 

Please give your employer your 10-digit account number (not your member number) along with the routing number of 272479841. If your employer requires a letter, please contact us at 800-451-4292 or stop by a branch.

What is the phone number for 24-Hour Telephone Banking?

800-423-3069
 

What is an Equity Advantage Loan? 

A Home Equity Loan is a closed-end/term loan for a borrower who plans to keep their primary mortgage. Equity Advantage is for borrowers who own their home free and clear or plan to pay off their mortgage with the proceeds from the equity loan. A Home Equity Loan allows you to have two liens against your home while an Equity Advantage only allows you to have one. The benefit of the Equity Advantage is it allows you borrow against your home without paying closing cost as you would for a refinance. Read more in our Home Equity section

Motorcycle loan rates?

Our Rates page provides the most updated rates we're offering. 

What is a Coverdell Education Savings Account? 
 

Our Coverdell Education Savings page explains all the details about this account. 
 

What is the minimum amount to open an account?
 

You'll need $25 for checking; no minimum for savings.

What are your CD rates? 

View our Rates page.

Should I purchase CLCD insurance? 

Yes, learn more about Credit Life & Credit Disability Insurance online. Members should purchase both insurances for peace of mind. The Credit Life Insurance will pay off the loan in the event of a members untimely death. Disabililty Insurance will make the payments in the event the member becomes disabled. 

How do I enroll in Credit Union ONE Mobile Banking? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

My CD is maturing and I want to change the term?

Members can change the term of their CDs on the maturity date or within 7 days after without incurring a penalty.

How many transfers can I make in a month? 

Regulation D limits the number of electronic transactions from a savings account to 6 per calendar month. This includes transfers made by phone, in Online Banking, and any deductions made by a third party. Online Banking will show the number of electronic transactions that have occurred to date for the month. Any excess electronic transactions will be denied. A $30 overdraft fee may apply.  
 

Has my check #001 cleared?

Verify if checks have cleared by using Online Banking, Mobile Banking, Telephone Banking, or by calling our Member Contact Center at 800-451-4292 or by visiting a branch.

What are my options for receiving a statement?

Paper statements can be mailed to your address on file for a $2.00 monthly fee. Statements can be retrieved online electronically by accessing Online Banking, clicking on the Accounts tab and clicking on e-statements. There is no fee for e-statements. Members can view and print statements in Online Banking.

How do I stop payment on a check? 

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. Members can contact Member Contact Center to place a stop payment on a check(s) for a $30.00 fee. The check number, amount, and payee information are needed to stop payment. There is no fee to stop a bill pay check. Stop payments can also be processed through Online Banking by going to the Checking tab and clicking on stop payment on a check.

What transactions can I perform at a shared branching center? 

Our Locations & ATMs page provides a full list. Shared branching allows Credit Union ONE members to use other non-Credit Union ONE credit unions to perform certain transactions. Credit Union ONE is required to perform the following transactions for guest credit union members:
  • Account Inquiries
  • Withdrawals
  • Deposits
  • Transfers
  • Loan Payments
  • Loan Advances
  • Statement Prints
Any additional services offered are that discretion of Credit Union ONE. 

I did not receive my new PIN?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

How do I complete the loan payoff process? 

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.

How do I apply for a mortgage? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

My checks were lost / stolen what can I do?

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. Members can contact Member Contact Center to place a stop payment on a check(s) for a $30.00 fee. The check number, amount, and payee information are needed to stop payment. There is no fee to stop a bill pay check. Stop payments can also be processed through Online Banking by going to the Checking tab and clicking on stop payment on a check.

What is your routing number?

Our routing number is 272479841. Sign up for direct deposit by providing this number and your 10-digit account number to your employer. If the information is needed in writing, we are able to provide a direct deposit letter.

Can I use my debit card when I go out of town?  

Transactions are blocked when fraud is detected on your debit card and travel notifications inform us that you will be using your debit card out of state in the place and time specified. This prevents our fraud department from flagging your debit card transaction as fraudulent.  

You can complete a travel notification through Online Banking, by visiting a branch, or by calling the Member Contact Center at 800-451-4292.

Did my mortgage check clear the bank yet?

Verify if checks have cleared by using Online Banking, Mobile Banking, Telephone Banking, or by calling our Member Contact Center at 800-451-4292 or by visiting a branch.

How do I transfer funds to someone without a Credit Union ONE account?
 

Members can make external transfers from accounts at other financial institutions to a Credit Union ONE account OR from a Credit Union ONE account to an account at another financial institution. There is a maximum limit of $2,000.00 per transfer, $2,000.00 total per day and $5,000 total per calendar month. There is no fee for inbound transfers, and a $2.50 fee for outbound transfers. Transfers can be processed in up to two business days. International Transfers, Business Account Transfers, and Joint Owners/Non-Member Transfers are prohibited.  To enroll, log into Online Banking and click on the External Transfers option under the Transfers drop-down menu.

How do I change my address? 

In Online Banking, click on the Profile tab, and then Update Profile.  You can also visit a branch or call the Member Contact Center at 800-451-4292

I have a maturing CD, what are your rates? I may want to change the term?

Members can change the term of their CDs on the maturity date or within 7 days after without incurring a penalty.

How do I use Credit Union ONE Mobile Banking? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

I am not using my camper for the winter and will be putting it in storage? What do I need to do?

Members need to keep full coverage on their vehicles for the term of their loan. If the vehicle will be put in storage for any period of time and the member drops the collision insurance on the vehicle, the member can contact Credit Union ONE and so their loan can be noted. Members should be aware when vehicle is taken out of storage that full coverage needs to be placed back on.

How do I apply for a recreational vehicle loan? 

Get all the details about Vehicle Loans online.

Home equity loan/line of credit rates?

Our Rates page provides the most updated rates we're offering. 

What are the benefits of an Equity Advantage Loan? 

A Home Equity Loan is a closed-end/term loan for a borrower who plans to keep their primary mortgage. Equity Advantage is for borrowers who own their home free and clear or plan to pay off their mortgage with the proceeds from the equity loan. A Home Equity Loan allows you to have two liens against your home while an Equity Advantage only allows you to have one. The benefit of the Equity Advantage is it allows you borrow against your home without paying closing cost as you would for a refinance. Read more in our Home Equity section

What are your current deposit rates?

Our Rates page provides the most updated rates we're offering. 

How do I apply for a boat loan? 

Get all the details about Vehicle Loans online.

What is a Certificate of Deposit?

Our Certificates of Deposit page explains all the details and how to open this account.

My auto is a VET and I will not be driving it for the winter so I will be putting it in storage. What do I do?

Members need to keep full coverage on their vehicles for the term of their loan. If the vehicle will be put in storage for any period of time and the member drops the collision insurance on the vehicle, the member can contact Credit Union ONE and so their loan can be noted. Members should be aware when vehicle is taken out of storage that full coverage needs to be placed back on.

How do I use mobile check deposit on Mobile Banking? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

Can I do a wire transfer over the phone?

Wire transfers are completed at any Credit Union ONE branch. If you need to call to activate a wire transfer in the future, you will need a PIN  to be set up in the branch. The accounting department will be able to assist with the wire transfer. Please note, Credit Union ONE does not handle International Wires.

I have moved and need to change my address?

In Online Banking, click on the Profile tab, and then Update Profile.  You can also visit a branch or call the Member Contact Center at 800-451-4292

How do I release a check with a hold? 

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. [links to Branches] Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $200 will be made available on the same day you make the deposit. If you need funds from a deposit right away, you should ask us when the funds will be available.

I am on vacation and my card is declining. Why? 

Transactions are blocked when fraud is detected on your debit card and travel notifications inform us that you will be using your debit card out of state in the place and time specified. This prevents our fraud department from flagging your debit card transaction as fraudulent.  

You can complete a travel notification through Online Banking, by visiting a branch, or by calling the Member Contact Center at 800-451-4292.

How do I set up direct deposit? 

Our routing number is 272479841. Sign up for direct deposit by providing this number and your 10-digit account number to your employer. If the information is needed in writing, we are able to provide a direct deposit letter.

Can I place a stop payment on a check?

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. Members can contact Member Contact Center to place a stop payment on a check(s) for a $30.00 fee. The check number, amount, and payee information are needed to stop payment. There is no fee to stop a bill pay check. Stop payments can also be processed through Online Banking by going to the Checking tab and clicking on stop payment on a check.

How do I refinance my mortgage? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

How do I check the status of my loan application? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

I issued a check but it has not cleared my account yet?

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. Members can contact Member Contact Center to place a stop payment on a check(s) for a $30.00 fee. The check number, amount, and payee information are needed to stop payment. There is no fee to stop a bill pay check. Stop payments can also be processed through Online Banking by going to the Checking tab and clicking on stop payment on a check.

Where can I find Credit Union ONE ATMs? 

Access the "Locations" link at the top of the page. You'll be able to search ATMs by street address or zip code.

How do I close my Credit Union ONE account? 
 

To close a Credit Union ONE account, members can visit any Credit Union ONE branch or call us at 800-451-4292 and a check will be mailed to the address on the account for any remaining balance payable to the member.

How do I get a new Platinum Debit MasterCard?

The Debit MasterCards can be obtained instantly by visiting any Credit Union ONE branch. A debit card can also be mailed to the address on file which you would received in 7-10 days. The Debit Card and PIN will come in two separate mailings about three days apart. To order a debit card by mail, please call us at 800-451-4292.

Why is my check being held? 

Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. [links to Branches] Holds may be placed on deposits from 2-7 business days. Business days do not include Saturday, Sundays, or holidays. The first $200 will be made available on the same day you make the deposit. If you need funds from a deposit right away, you should ask us when the funds will be available.

What is your swift code?

Wire transfers are completed at any Credit Union ONE branch. If you need to call to activate a wire transfer in the future, you will need a PIN  to be set up in the branch. The accounting department will be able to assist with the wire transfer. Please note, Credit Union ONE does not handle International Wires.

Where can I download your Mobile Banking app? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

What is AD&D?

TruStage is a third-party company that offers unique insurance coverage services to members of Credit Union ONE such as Accidental Death and Dismembermant (AD&D). Enrolling must be done by contacting TruStage directly.

What is a CD?

Our Certificates of Deposit page explains all the details and how to open this account.

How do I apply for a motorcycle loan? 

Get all the details about Vehicle Loans online.

CD Rates? 

Our Rates page provides the most updated rates we're offering. 

Checking account rates? 

Our Rates page provides the most updated rates we're offering. 

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.  

How does a CD work? 

Our Certificates of Deposit page explains all the details and how to open this account.

Do you offer AD&D insurance?

TruStage is a third-party company that offers unique insurance coverage services to members of Credit Union ONE such as Accidental Death and Dismembermant (AD&D). Enrolling must be done by contacting TruStage directly. 

A check was issued through Online Banking Bill Pay and the merchant did not receive the check. What do I do? 

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

Do you have a checking that does not charge a monthly fee?

Basic checking members are eligible to apply for the Cash Back Checking once Basic Checking is maintained in good standing for 12 Month. Good standing is defined as: Account does not have more than 3 NSF's in past 6 months, there are no legal orders, levies or liens against members account and there are not more than 2 debit card disputes on account.

Do you have a mobile banking app? 

Members can download the Mobile App at Google Play (Android) and Apple iTunes (IOS). Almost all online banking functions are available through the use of the new mobile application. New features include PIN sign in, Thumbprint Sign In, and Quick balance.

Credit Union ONE's mobile app can be downloading from.Once the mobile app is downloaded onto an Android and/or Apple mobile device, tap on the enroll option from the opening slide out menu. Once enrolled all available options for mobile banking will be displayed in the slide out menu. Click Here for the Credit Union ONE mobile app demo.

I am out of state and need to wire funds today.

Wire transfers are completed at any Credit Union ONE branch. If you need to call to activate a wire transfer in the future, you will need a PIN  to be set up in the branch. The accounting department will be able to assist with the wire transfer. Please note, Credit Union ONE does not handle International Wires. 
 

What do I do if I have lost my Platinum Debit MasterCard?

You can call our Lost or Stolen Debit Card line at (888) 241-2510, 24 hours, 7 days a week. This will put you in touch with Card Member Security. Use the automated system to report your lost or stolen card.  

Where do I go to find account info?

You can access your account through Online Banking, Mobile Banking, or Telephone Banking. Also, account information is available by calling 800-451-4292 or visiting a branch.

How do I check the status of my mortgage application? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.

How do I apply for a (personal, auto, home equity) loan? 

Apply online, in person at any Credit Union ONE Branch or call 800-451-4292.

How do I report a lost or stolen debit card?

You can call our Lost or Stolen Debit Card line at (888) 241-2510, 24 hours, 7 days a week. This will put you in touch with Card Member Security. Use the automated system to report your lost or stolen card.

How do I set up alerts in Online Banking?

Alerts can be set up in Online Banking by accessing the Accounts tab and then clicking on Email/Text Alerts.

How do I dispute an ACH/automatic payment?

Members can submit a dispute request for an ACH/ Auto Pay that they did not authorize by contacting Credit Union ONE at 800-451-4292 or visiting any Credit Union ONE branch. If doing this in person, you need to report the activity with the proper form attached with the transaction information. This form is then sent to Accounting Department for processing.

When can I transfer to a Cash Back Checking account?

Basic checking members are eligible to apply for the Cash Back Checking once Basic Checking is maintained in good standing for 12 Month. Good standing is defined as: Account does not have more than 3 NSF's in past 6 months, there are no legal orders, levies or liens against members account and there are not more than 2 debit card disputes on account.

What is an electronic transfer?

Regulation E set forth by the Federal Reserve outlines the rules and procedures for electronic transfers (EFTs) and outlines guidelines for those who sell and issue electronic debit debit cards. Rules pertaining to consumer liability for unauthorized card usage fall under this regulation as well. The six most basic services that are protected under REG E are ATMs, Direct Deposit, Pay-by-phone, Internet, Debit Card, and Electronic Check Conversion.

How do stop payment on a bill pay check?

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

How do I apply for AD&D insurance?

TruStage is a third-party company that offers unique insurance coverage services to members of Credit Union ONE such as Accidental Death and Dismembermant (AD&D). Enrolling must be done by contacting TruStage directly.

How does a Certificate of Deposit work?

Our Certificates of Deposit page explains all the details and how to open this account.

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.

Savings account rates?

Our Rates page provides the most updated rates we're offering. 

Money Market account rates? 

Our Rates page provides the most updated rates we're offering. 

How does Skip-a-Pay work?
 

Our Skip-a-Pay page provides all the details about this service.

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.

How do I open a checking account? 
 

You can open your checking account online or by visiting one of our branch locations.

Does Credit Union ONE offer Wire Transfers? 
 

Credit Union ONE offers domestic wire transfers. If you're transferring an amount under $2,000, check out External Transfers.

Should I buy AD&D insurance? 

TruStage is a third-party company that offers unique insurance coverage services to members of Credit Union ONE such as Accidental Death and Dismembermant (AD&D). Enrolling must be done by contacting TruStage directly.

There is a deduction for an insurance premium on my account that is not mine?

Members can submit a dispute request for an ACH/ Auto Pay that they did not authorize by contacting Credit Union ONE at 800-451-4292 or visiting any Credit Union ONE branch. If doing this in person, you need to report the activity with the proper form attached with the transaction information. This form is then sent to Accounting Department for processing.

How do I set up text alerts in Online Banking? 

Alerts can be set up in Online Banking by accessing the Accounts tab and then clicking on Email/Text Alerts.

How do I report a lost or stolen debit card?

You can call our Lost or Stolen Debit Card line at (888) 241-2510, 24 hours, 7 days a week. This will put you in touch with Card Member Security. Use the automated system to report your lost or stolen card.  

How do I apply for a business loan? 
 

Apply in person at any Credit Union ONE Branch or call 800-451-4292.

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 reset my Platinum Debit MasterCard PIN? 

Each debit card will come with an assigned PIN if ordered through the mail. Each PIN Mailer has an 800-number and a reference number. Call that 800-number, enter the reference number provided and when prompted enter your new PIN. Members who obtain their card instantly at a branch will be able to select there own PIN at that time.

How do I set up email alerts in Online Banking? 

Alerts can be set up in Online Banking by accessing the Accounts tab and then clicking on Email/Text Alerts.

What is a Garnishment?

A garnishment is a court order whereby a member's property or money are in possession or under control of another and applied as payment for their debt to a third party. A levy is a proceeding in which money is obtained for the payment of taxes that are past due. When members are served with a garnishment or levy, they must call and email Admin Services with the information and fax the documents to 248-584-5446. If the member questions a garnishment or levy, they can contact the filing court, the IRS, or the State of Michigan to file an objection. A phone number of the attorney will be in the account notes. By law, Credit Union ONE must follow the garnishment/levy orders.

What types of business checking accounts do you offer? 
 

From free checking to interest bearing checking, Credit Union ONE has a number of business checking accounts to offer.

How can I make a payment to a Credit Union ONE loan?
 

You can make payments to your Credit Union ONE loan through the Online Banking, Mobile Banking, and Telephone Banking systems. You may also use the "Make A Payment" service that allows you to make one-time ACH or debit/credit card payment to your Credit Union ONE loan.

What is Mechanical Repair Coverage? 

Our Mechanical Repair Coverage page explains all the details.

Business CD rates?

Our Rates page provides the most updated rates we're offering. 

Business checking rates?

Our Rates page provides the most updated rates we're offering. 

How do I purchase Mechanical Repair Coverage? 

Our Mechanical Repair Coverage page explains all the details.

How can I pay my third-party bills from my checking account?
 

We offer online Bill Pay as part of our Online Banking platform. Once you’ve enrolled in Online Banking, you can set up any payee to pay from your Credit Union ONE checking account.

What is a Levy?

A garnishment is a court order whereby a member's property or money are in possession or under control of another and applied as payment for their debt to a third party. A levy is a proceeding in which money is obtained for the payment of taxes that are past due. When members are served with a garnishment or levy, they must call and email Admin Services with the information and fax the documents to 248-584-5446. If the member questions a garnishment or levy, they can contact the filing court, the IRS, or the State of Michigan to file an objection. A phone number of the attorney will be in the account notes. By law, Credit Union ONE must follow the garnishment/levy orders.

What browsers work with Online Banking? 

Credit Union ONE's online banking is compatible with the newest versions of Google Chrome, Mozilla Firefox, Microsoft Internet Explorer and Edge, Apple Safari. Please check with the browser maker on upgrade instructions. The mobile banking application is only supported on Android and Applie iOS mobile devices.

How do I set my PIN?

Each debit card will come with an assigned PIN if ordered through the mail. Each PIN Mailer has an 800-number and a reference number. Call that 800-number, enter the reference number provided and when prompted enter your new PIN. Members who obtain their card instantly at a branch will be able to select there own PIN at that time.

How do I complete the loan payoff process? 

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. 

Why is my loan past due?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

How do I upgrade my browser to work with Online Banking? 

Credit Union ONE's online banking is compatible with the newest versions of Google Chrome, Mozilla Firefox, Microsoft Internet Explorer and Edge, Apple Safari. Please check with the browser maker on upgrade instructions. The mobile banking application is only supported on Android and Applie iOS mobile devices.

There is a transaction on my account I did not authorize. Can you tell me what it is for?

A garnishment is a court order whereby a member's property or money are in possession or under control of another and applied as payment for their debt to a third party. A levy is a proceeding in which money is obtained for the payment of taxes that are past due. When members are served with a garnishment or levy, they must call and email Admin Services with the information and fax the documents to 248-584-5446. If the member questions a garnishment or levy, they can contact the filing court, the IRS, or the State of Michigan to file an objection. A phone number of the attorney will be in the account notes. By law, Credit Union ONE must follow the garnishment/levy orders.

How do I activate my Platinum Debit MasterCard? 
 

Call the phone number on the sticker on the front of the new card or call Credit Union ONE Member Contact Center at 800-451-4292 or visit any Credit Union One branch.

Business savings account rates? 

Our Rates page provides the most updated rates we're offering. 

What are your current mortgage rates?
 

Our Rates page provides the most updated rates we're offering. 

How do I set up alerts in Online Banking? 

Members can set up alerts within Online Banking. Once signed into Online Banking, click on the Accounts tab and then click on Email/Text Alerts. From the manage alerts list, click on the type of alert you want and enter your email address or mobile number to receive those alerts.

How do debit card rewards work?

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

My family member has passed away. How do I close the
account with Credit Union ONE? 

The procedure to close a deceased member's accounts vary depending on if there were joint owners, a beneficiary, if it was a trust, etc. Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

How will this affect my credit report? 

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

I didn't make my payment because I did not have a coupon?

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.

What do I need to close my deceased parents account?

The procedure to close a deceased member's accounts vary depending on if there were joint owners, a beneficiary, if it was a trust, etc. Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

How do I redeem my debit card rewards points? 

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

How do I set up text alerts in Online Banking? 

Members can set up alerts within Online Banking. Once signed into Online Banking, click on the Accounts tab and then click on Email/Text Alerts. From the manage alerts list, click on the type of alert you want and enter your email address or mobile number to receive those alerts.

How do I set up email alerts in Online Banking? 

Members can set up alerts within Online Banking. Once signed into Online Banking, click on the Accounts tab and then click on Email/Text Alerts. From the manage alerts list, click on the type of alert you want and enter your email address or mobile number to receive those alerts.

How do I earn points with my Platinum Debit MasterCard? 

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

My friend has passed away and left me in charge of his affairs. How can I close his accounts?

The procedure to close a deceased member's accounts vary depending on if there were joint owners, a beneficiary, if it was a trust, etc. Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.

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 cash in my rewards points?

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

Where can I find transaction history for my loan? 

Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. In Online Banking, simply click on the loan in question.

I cannot access my Online Banking?

Members' loans that become delinquent past the 10-day grace period may have their services stopped until the loan is brought current. This includes Online Banking, Debit Card and Bill Pay. Once the loan payment is made, these services can be turned back on.

I'm a student. Is there anything special for me?

Yes, if you are under the age of 24, there is no monthly maintenance fee for the Cash Back checking account. Also, you will receive all standard benefits, which include earning cash back against certain debit card transactions.

What happens to my points if I close my account? 
 

Points, if eligible, may be redeemed by you and paid to the account the day you close your account. Your accounts must be in "good standing" to redeem your points. Rewards and points are not paid and are forfeited if account is closed by Credit Union ONE for any reason.

My Online Banking has been locked?

Members' loans that become delinquent past the 10-day grace period may have their services stopped until the loan is brought current. This includes Online Banking, Debit Card and Bill Pay. Once the loan payment is made, these services can be turned back on.

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.

What do I do if my debit card is inactive? 

To avoid a debit card from becoming restricted due to inactivity, you must use the card at least once every 90 days. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

How long until my debit card becomes inactive? 

To avoid a debit card from becoming restricted due to inactivity, you must use the card at least once every 90 days. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

Can I close a loan online? 

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

What browsers work with Online Banking? 

Browser information can be found on website > type browsers in search box > Credit union ONE Browser Support.  Browser requirements also found on last page of the Online Banking manual.  Browsers are Internet Explorer, Google Chrome, Safari, Firefox.

Do you offer medallion or signature guarantee?
 

Yes, but please confirm by calling 800-451-4292 to find out if the location you wish to go to has one available and what documents you need to bring. All parties who need the signature guarantee must be current members.

How do I upgrade my browser to work with Online Banking? 

Browser information can be found on website > type browsers in search box > Credit union ONE Browser Support.  Browser requirements also found on last page of the Online Banking manual.  Browsers are Internet Explorer, Google Chrome, Safari, Firefox.

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 was using my debit card but why was it declined?

You can allow premium overdraft to pay for everyday debit card purchases if funds are not available. You must be approved for this service, which can be added and removed at any time at your request.

I need to do a transaction with my debit card but the funds are not in my account.  Will it be paid?

You can allow premium overdraft to pay for everyday debit card purchases if funds are not available. You must be approved for this service, which can be added and removed at any time at your request.

Why is my loan past due?

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 access my accounts after Credit Union ONE hours?
 

Access Telephone Banking at 800-423-3069. The menu options will be different for every member based on the products the member has with Credit Union ONE. Members will use their own unique SSN/TIN and PIN to access the system. Both English and Spanich are available.

My Debit Card purchase was declined and not sure why?

Members can opt in to REG E for overdraft protection for their debit card transactions. If funds are not available in the member's account when the card is swiped, the transaction will be approved and will overdraw the members account for a $30.00 fee. Members can opt in or opt out at any time.

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. 

What is the interest rate on my loan?

Our current interest rates are quoted using the APY. Credit Union ONE does not refinance our own loans for a lower interest rate. Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch for more information.

How can I get overdraft protection on my checking account?

Members can opt in to REG E for overdraft protection for their debit card transactions. If funds are not available in the member's account when the card is swiped, the transaction will be approved and will overdraw the members account for a $30.00 fee. Members can opt in or opt out at any time.

How does Credit Union ONE protect my debit card transactions from fraud?
 

Credit Union ONE is committed to protecting your accounts and monitors all debit transactions for fraud 24/7. If fraud or unusual activity is suspected, you will be notified by an automated phone message or called directly by our fraud monitoring department. If you have questions about notifications, please call 888-241-2440. 

Can I get a lower interest rate?

Our current interest rates are quoted using the APY. Credit Union ONE does not refinance our own loans for a lower interest rate. Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch for more information.

Where can I find my loan guarantee letter? 

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

What happens if I do not opt-in for Overdraft Service for ATM and everyday debit card transactions?
 

If you do not opt in for this coverage, your debit card transactions will be declined if sufficient funds are not available in your account to cover the transactions.

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.

Can I change the due date on my loan?

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

How do I change the due date on my loan?

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

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.

I am having a problem making my 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.

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.

Can I refinance my loan for a lesser interest rate?

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.

Can I apply for a loan online? 
 

You can apply for a variety of secured and unsecured loans online. You can also apply at any of our branch locations or by calling us at (800) 451-4292.

How can I make a loan payment online?

You can make payments to your Credit Union ONE loans through Online Banking. Just click the Pay Bills link once you have logged in and follow the instructions.

What types of business loans does Credit Union ONE offer? 
 

Credit Union ONE offers a variety of loans for business equipment purchases, commercial real estate financing, lines of credit and business credit cards. Call (800) 451-4292 during business hours for more information.

What is needed to pay off a loan and receive an immediate release of lien?
 

You'll need to use a cashier’s check, wire transfer or cash. Any other payment method and the title will be released after five business days.

1 APR=Annual Percentage Rate. Introductory rate is subject to change or be discontinued at any time. APR will be variable based on an index plus or minus a margin for the life of the loan. The index is the highest prime rate as published in the Money Rates section of The Wall Street Journal. The margin ranges from -0.25% to 2.75% and is based on overall creditworthiness factors. The prime rate as of July 1, 2017, is 4.25%. The maximum loan amount is $150,000 and the minimum loan amount is $10,000. The APR will never exceed 18% and will never be lower than 3.25%. Loans and actual standard rate offered are subject to approval based on overall creditworthiness factors and collateral. Maximum LTV is 80% and collateral must be titled in the State of Michigan. Other conditions may apply.

*The initial discounted Annual Percentage Rate will be in effect for the first 12 calendar months from the opening date as reflected on the Home Equity Addendum.