2024 Overview
General Credit Union Information
Credit Union One is an NCUA insured institution located in Ferndale, MI. It was founded in 1938 and has approximately $1734.92 millions in assets.
Who can join?
Field of membership is open to everyone
One must...
Open a Regular Share Savings quickly online with a minimum $6.00 initial deposit
$1.00 goes toward a one-time membership fee.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 62562 |
| Date Established | 1938 |
| Assets | $1,734.92 million |
| Loans | $1,203.79 million |
| Deposits | $1,570.13 million |
| Capital | $170.70 million |
Field of Membership Restrictions
Membership in Credit Union One of Michigan is open to anyone who lives, works, attends school or worships in the state of Michigan.
Deposit Rates - November 22, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.03% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.05% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
Loan Rates - November 22, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Credit Union One
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.953% | 6.875% | 0.63 | $2,534 | $2,103 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 1907 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Credit Union One
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Credit Union One branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Credit Union One Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 162.79 | A | View Lobby Hours | |
| 165.33 | B | View Lobby Hours | |
| 165.35 | C | View Lobby Hours | |
| 172.82 | D | View Lobby Hours | |
| 173.60 | E | View Lobby Hours | |
| 175.59 | F | View Lobby Hours | |
| 175.74 | G | View Lobby Hours | |
| 176.90 | H | View Lobby Hours | |
| 178.95 | I | View Lobby Hours | |
| 182.98 | J | View Lobby Hours | |
| 184.32 | K | View Lobby Hours | |
| 186.50 | L | View Lobby Hours | |
| 187.25 | M | View Lobby Hours | |
| 253.64 | N | View Lobby Hours | |
| 359.07 | O | View Lobby Hours |
Climate Policy and Initiatives
CREDIT UNION ONE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Credit Union One Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Credit Union One. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Credit Union One | U.S. Average |
|---|---|
| 3.06% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Credit Union One had $4,857,071 in non-current loans and $491,986 in owned assets. To cover these potential losses it had $170,703,308 in net worth and $3,868,777 in loans loss reserves. That gives it a Texas Ratio of 3.06%.
Net Worth
| Credit Union One | U.S. Average |
|---|---|
| 9.83% | 13.93% |
Credit Union One FCU has a net worth of 9.83% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Credit Union One
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