Credit union · NCUA insured
One Detroit Credit Union
A $65M credit union headquartered in Detroit, MI, with 12,460 members and 4 branches in Michigan. Best rates: CDs 3.30% and savings 0.10% APY.
One Detroit Credit Union Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#54 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About One Detroit Credit Union
Formed in 1935 as Detroit Newspaper Industrial Credit Union to serve newspaper industry workers, the credit union later became Communicating Arts Credit Union before changing its name to One Detroit Credit Union.
One Detroit Credit Union focuses on providing fair and reasonably priced financial products to people overlooked by the mainstream banking system in Wayne, Oakland, Macomb, and Washtenaw counties in Michigan.
As a credit union, members are owners rather than just customers.
- Headquarters
- 630 Howard St, Detroit, MI 48226
- NCUA charter
- 61495
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, worship, or volunteer in Wayne, Oakland, Macomb, or Washtenaw counties in Michigan.
Cost to join
- Membership requires opening a regular share savings account with a deposit of $10 or more, completing a membership form with signatures of all joint parties, and providing a valid driver's license or state ID card.
Branches
4 branches in Michigan
Loading map…
Michigan
4 branches
- One Detroit Credit UnionMain office630 Howard St, Detroit, MI 48226Directions
- Eastside14740 Mack Ave, Detroit, MI 48215Directions
- Highland Park15123 Woodward Ave, Highland Park, MI 48203Directions
- Inkster2025 Middlebelt Rd, Inkster, MI 48141Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 22.42% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.98% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.60% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $82 | $59 | — |
- CapitalNet worth ratio22.42%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.98%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.60%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$82Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 One Detroit Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.