The One Detroit Credit Union is a personal credit card from One Detroit Credit Union. The annual fee is No Annual Fees. The ongoing APR is VISA Classic | 17.50%. Rewards: Travel, Gifts. Loan terms: VISA Classic, VISA Secured and VISA Gold Minimum Payments will be an amount equal to 2.00% of Your new unpaid VISA Classic, VISA Secured or VISA Gold balance at the end of each billing cycle, subject to the lesser of $15.00 or Your balance, plus any portion of the Minimum Payments shown on prior statement(s) which remains unpaid, plus any amount that exceeds Your approved Credit Limit..