Credit union · NCUA insured
Credit Union ONE
Top CarrotA $1.8B credit union, the 279th largest of 4,329, headquartered in Ferndale, MI, with 108,063 members and 17 branches in Michigan. Best rates: CDs 4.33% and savings 3.30% APY.
Credit Union ONE Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#24 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Credit Union ONE
Founded in 1938 and headquartered in Ferndale, Michigan, Credit Union ONE is a member-owned credit union.
Originally organized as Ferndale Co-Op Credit Union, it adopted the Credit Union ONE name in 1984 and operates 17 branches across Michigan.
- Headquarters
- 400 E 9 Mile Rd, Ferndale, MI 48220
- NCUA charter
- 62562
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, or goes to school in the State of Michigan.
- Open to anyone who lives, works, worships, or goes to school in Cuyahoga, Lake, Lucas, Sandusky, Summit, or Wood County, Ohio.
Branches
17 branches in Michigan
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Michigan
17 branches
Detroit area · 13
- CUO-FerndaleMain office400 E 9 Mile Rd, Ferndale, MI 48220Directions
- CUO-Berkley28845 Woodward Ave, Berkley, MI 48072Directions
- CUO-Southwest5859 W Vernor Hwy, Detroit, MI 48209Directions
- CUO-Farmington31716 Grand River Ave, Farmington, MI 48336Directions
- CUO-Macomb16255 Hall Rd, Macomb, MI 48044Directions
- CUO-Shelby Twp.55600 Van Dyke Ave, Shelby Township, MI 48316Directions
- CUO-Southgate12820 Fort St, Southgate, MI 48195Directions
- CUO-St. Clair Shores28201 Harper Ave, St. Clair Shores, MI 48081Directions
- CUO-Sterling Hts.9000 15 Mile Rd, Sterling Heights, MI 48312Directions
- CUO-Troy6010 Rochester Rd, Troy, MI 48085Directions
- CUO-Waterford5129 Highland Rd, Waterford, MI 48327Directions
- CUO-West Bloomfield6515 W Maple Rd, West Bloomfield, MI 48322Directions
- CUO-Westland29450 Warren Rd, Westland, MI 48185Directions
Ann Arbor area · 1
- CUO-Ann Arbor2400 Green Rd, Ann Arbor, MI 48105Directions
Flint area · 1
- CUO-Davison625 S State Rd, Davison, MI 48423Directions
Grand Rapids area · 1
- Cuo-Gr1609 Walker Ave NW, Grand Rapids, MI 49504Directions
Traverse City area · 1
- Cuo-Tc1407 S Division St, Traverse City, MI 49684Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.63% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.42% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.20% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalNet worth ratio11.63%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.42%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.20%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Credit Union ONE are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.