The One Detroit Credit Union is a personal line of credit from One Detroit Credit Union. 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: Line of Credit Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 4.00% of Your then outstanding balance, subject to the lesser of $25.00 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..