Credit union · NCUA insured
Credit Union ONE Credit Card Rates
Top CarrotCredit Union ONE credit cards start at 14.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Credit Union ONE’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where Credit Union ONE has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Credit Union ONE
14.00%APR
Achieve Credit Card
Lowest rate
Construction Federal Credit Union
6.87%APR
2nd-lowest rate
Polish-American FCU
6.90%APR
Credit Union ONE credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR14.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Credit Union ONE ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Access Credit Card
Secured credit card designed to build or restore credit score. Card must be secured against member deposit account in an amount equal to the credit limit, ranging between $200 and $2,500. Application subject to approval based on overall creditworthiness factors. Foreign transaction fee of 2.00% applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 23.00% | None | Variable credit card interest rate currently at 23.00% APR. No annual fee. Credit line between $200 and $2,500 based on deposit. Subject to approval based on overall creditworthiness factors. Foreign transaction fee of 2.00% applies. |
| Ongoing | 27.00% | None | Current cash advance APR is 27.00% and is variable. Cash advance fee of $10 or 2.00% of the amount of each cash advance whichever is greater. Foreign transaction fee of 2.00% applies. |
Achieve Credit Card
Application subject to approval based on overall creditworthiness factors. No annual fee. Foreign transaction fee of 2.00% applies. Cash advance fee of $10 or 2.00% of the amount of each cash advance, whichever is greater. Current Cash Advance APR is 27.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00% | None | Save on purchases. Variable APR as low as 14.00%. Subject to approval based on creditworthiness. No annual fee. Foreign transaction fee 2.00%. |
| Ongoing | 27.00% | None | Current cash advance APR is 27.00% and is variable. Cash advance fee of $10 or 2.00% of the amount of each cash advance, whichever is greater. Foreign transaction fee of 2.00% applies. |
Achieve Rewards Credit Card
Includes rewards program. Standard credit card approval and eligibility requirements apply. Foreign transaction fee of 2.00% and cash advance fee of $10 or 2.00% (whichever is greater) apply. Current cash advance APR is 27.00% (variable).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 4.99% | None | Introductory APR of 4.99% applied for 12 months (365 days) on transactions posted to account during the first 90 days following opening. Then an APR between 14.00% - 27.00%. Any existing balances of Credit Union ONE loan or credit card accounts are not eligible. No balance transfer fee. |
| Ongoing | 17.00% | None | Variable APR as low as 17.00% (ongoing APR range between 14.00% - 27.00%). No annual fee and no fee to transfer balances from higher-rate cards. |
Who can join Credit Union ONE
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.
Membership information collected October 5, 2026.