The One Detroit Credit Union is a home equity line of credit from One Detroit Credit Union. The ongoing APR is Home Equity Line of Credit ($10,000 Minimum 60 Month Draw Period): Up to 100% of Home's Life Time Value 8.00%; Under 75% of Home's Life Time Value 7.00% (APR* As Low As; Effective Date: Friday, October 16th, 2026). Typical credit limit: Home Equity Line of Credit ($10,000 Minimum 60 Month Draw Period). Loan terms: You can obtain credit advances for 60 months (the draw period). During the draw period, payments will be established at the close of each billing cycle at an amount equal to 2.00% of your then unpaid principal balance, subject to the lesser of $100.00 or your account balance..