Access Credit Card

Access Credit Card

Restore your credit score with this special card

The right card for right now

Credit Union ONE helps you through difficult times.

No annual credit card fee

Take advantage of this convenient card without having to pay to use it.

Financial flexibility

Access a credit line between $200 and $2,500 based on your deposit.

Additional security

Includes Mastercard® ID Theft Protection.

Borrow safely

Your credit limit equals the amount of your security deposit.

Maintain your momentum

On-time payments help you build credit and boost your rating.

Competitive rate

The variable credit card interest rate currently at 24.50% APR*.

Maybe your finances have taken a hit in recent years and your credit rating has suffered. Or maybe you don't have much of a credit history at this point and can't qualify for a typical credit card. Enter the Access Credit Card. This special card lets you tap into the worldwide buying power of Mastercard while taking steps to establish a solid credit rating. Plus, you're in control with a credit limit that equals the amount you choose to deposit.

Credit Union ONE is a full-service financial institution with locations in Southeast Michigan, Davison, MI, Traverse City, MI, and Grand Rapids, MI.

Run The Numbers

See what it takes to become debt-free.

Improve your credit score with our Access Credit Card.

More Solutions

Aim high with a low interest personal loan.

Personal loans are an ideal way to get a chunk of cash to pay for home improvements, vehicle repairs, or major purchases.


APR = Annual Percentage Rate
Subject to approval based on overall creditworthiness factors. Foreign transaction fee of 2.00% of each transaction amount in U.S. dollars completed outside the U.S. and/or for each transaction in U.S. dollars completed in a foreign currency. Cash advance fee of $10 or 2.00% of the amount of each cash advance whichever is greater. Card must be secured against member deposit account in an amount equal to the credit limit. Current rate is 24.50% and is variable. Current cash advance APR is 28.50% and is variable.

The calculator tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.