Credit Union One1407 S Division St, Traverse City, MI

Traverse City, MI
(800) 451-4292
NCUA Insured

About Credit Union One

This branch of Credit Union One is located at 1407 S Division St in Traverse City, Michigan, and can be reached at (800) 451-4292. Credit Union One is a federally insured financial cooperative serving the Traverse City, Michigan community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Traverse City or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Traverse City area.

Key Member Benefits

  • First-Time Homebuyer Program

    Special mortgage programs with lower down payments or rate assistance to help you buy your first home.

  • Free Tax Preparation

    No-cost assistance filing your annual tax returns, maximizing your refund ensuring accuracy.

  • Bilingual Services

    Full service available in multiple languages to support our diverse community.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

1407 S Division St

Traverse City, MI 49684-4428

Need Funds Before You Join?

How to Join

Membership at Credit Union One is typically open to individuals who live, work, worship, or attend school in Traverse City and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (800) 451-4292 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, Credit Union One typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

ATM
Shared Service Center

Frequently Asked Questions

Is Credit Union One federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Traverse City, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other Credit Union One Locations

1 additional branch in 1 state

MichiganCurrent State

1 location

Credit Unions Near Me in Other Michigan Cities

Looking for credit unions near me in other Michigan cities? Browse credit unions in nearby locations:

View all credit unions in Michigan

If Credit Union One isn't the right fit

To borrow from Credit Union One you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can connect with online lenders serving Michigan. Applying is quick, and funds may be available as soon as the next business day after approval.

Fast Fair Loans is not a lender, does not make credit decisions, and cannot guarantee loan approval or amount. Loans are not available in all states.