The One Detroit Credit Union is a personal loan from One Detroit Credit Union. The ongoing APR is Vacation, Christmas, Medical, Bill Consolidation, etc. Term | APR* As Low As Up to 24 Months | 10.99% 25-48 Months | 13.00%. Typical credit limit: The total maximum a member can borrow in unsecured loans is $20,000. This includes lines of credit in addition to seasonal loans or other unsecured loans you may have with 1DCU.. Loan terms: Up to 24 Months | 10.99% 25-48 Months | 13.00%.