The Credit Union ONE is a personal loan from Credit Union ONE. Application typically pulls a hard report from Experian. The ongoing APR is Fixed rate as low as 13.35% APR (up to 60 months); promotional rate as low as 10.99% APR for 36-month loans up to $10,000 (limited time) (rates effective September 17, 2026). Typical credit limit: $500 to $50,000. Loan terms: Up to 60 months (36 months for the promotional rate).