The One Detroit Credit Union is a personal loan from One Detroit Credit Union. The ongoing APR is Annual Percentage Rate (APR): Split Your Payments (SYP) 15% APR*; Plan Your Purchase (PYP) 17% APR*. Typical credit limit: Loan Amount: Split Your Payments (SYP) Minimum: $80 Maximum: $2,500; Plan Your Purchase (PYP) Minimum: $200 Maximum: $2,500. Loan terms: Repayment Term Options: Split Your Payments (SYP) Up to 12 Months; Plan Your Purchase (PYP) Up to 24 Months.