Credit union · NCUA insured
One Detroit Credit Union Credit Card Rates
One Detroit Credit Union credit cards start at 15.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How One Detroit Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where One Detroit Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
One Detroit Credit Union
15.50%APR
VISA Gold
Lowest rate
Construction Federal Credit Union
6.87%APR
2nd-lowest rate
Polish-American FCU
6.90%APR
One Detroit Credit Union credit card score
62
Credit card score
Higher than 5% of U.S. banks and credit unions
- Purchase APRPurchase APR15.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where One Detroit Credit Union 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.
VISA Classic
Membership required. No annual fees. 25-day grace period. Great for earning points for everyday purchases (ScoreCard Rewards for travel and gifts). Variable APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.50% | None | Rate: Variable APR. Rewards: Travel, Gifts via ScoreCard Rewards. Subject to credit union terms and membership requirements. |
Sources (1)
- onedetroitcu.org/visa · captured Oct 5, 2026
VISA Gold
Membership required. No annual fees. 25-day grace period. Great for higher spending limits and greater purchasing power. Earns rewards for travel and gifts via ScoreCard Rewards. Variable APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.50% | None | Rate: Variable APR. Rewards: Travel, Gifts via ScoreCard Rewards. Subject to credit union terms and membership requirements. |
Sources (1)
- onedetroitcu.org/visa · captured Oct 5, 2026
VISA Secured
Membership required. No annual fees. 25-day grace period. Great for building credit history. Variable APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.50% | None | Rate: Variable APR. Subject to credit union terms and membership requirements. |
Sources (1)
- onedetroitcu.org/visa · captured Oct 5, 2026
Who can join One Detroit Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.