FAQs
Get answers to commonly asked questions
Auto Loans
Michigan is not a title holding state. Titles that are issued in the state of Michigan will be mailed to you once the Credit Union ONE lien is placed on it. If a vehicle is titled out of state and that state is a title holding state, then the members title will be held at Credit Union ONE until the loan is paid in full.
Loans
Please contact our Member Contact Center by chatting us here or calling 800-451-4292 to obtain a loan payoff that is not being paid off same day.
Payoffs can be mailed to:
Credit Union ONE
400 E. 9 Mile Rd
Ferndale MI 48220
Credit Union ONE
400 E. 9 Mile Rd
Ferndale MI 48220
Call the Member Contact Center at 800-451-4292 or visit a branch. There is a $5.00 fee for a set of 36 coupons.
Check your status by logging in to Online Banking; setting up alerts in Online Banking; accessing Telephone Banking or Mobile Banking. Also, you can call the Member Contact Center at 800-451-4292 or visit a branch.
Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.
The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.
Call the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch. If many cases, you might have sent in a loan payment but it was short a few cents. Your loan will become past due if the difference is not made up before the next due date and a late fee will be assessed.
Credit Union ONE offers a variety of loans for business equipment purchases, commercial real estate financing, lines of credit and business credit cards. Call (800) 451-4292 during business hours for more information.
Call the Member Contact Center at 800-451-4292, visit a branch or use Online Banking. In Online Banking, simply click on the loan in question.
Contact Credit Union ONE at 800-451-4292 or visit any Credit Union ONE branch for assistance.
The Member Contact Center Loan Servicing Agents can assist members with changing the due date on their loan that may better for their budget. Credit Union ONE does not refinance our own loans however we can look into lowering the interest rate on the loan if the member qualifies. If members are facing financial difficulties, we can assist with starting the Loan Modification process.
Please call the Member Contact Center at 800-451-4292 for more information.
Apply online, in person at any Credit Union ONE branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.
Status can be checked by logging in to the Borrower Portal, calling your loan representative or 800-451-4292.
Same-day loan payoffs include the total amount of principal and interest owed as of the current date. This can be found in digital banking or using 24-Hour Telephone Banking.
Step 1. Login to digital banking
Step 2. Select your loan.
Step 3. Click ‘Show Details’ at the top of the screen.
Step 4. Payoff amount will display on the screen.
Apply online, in person at any Credit Union ONE Branch or call 800-451-4292 and speak to a Mortgage Loan Originator. Status can be checked by calling your loan representative or 800-451-4292.
To receive immediate release of lien, you may payoff your loan with a cashier’s check, wire transfer or cash. Any other payment method and the title will be released after five business days.
Unsecured Loans and Lines of Credit
Freedom ONE is a closed-end loan meaning it is a one-time borrowing that must be repaid in full by a predetermined date with a fixed interest rate. Freedom Access is an open-end loan meaning it is a revolving credit that can be borrowed again and again, with a variable interest rate. Visit our unsecured loans to learn more.
