Home Equity Loans and Lines of Credit

Use the equity in your home for a fixed-rate Home Equity Loan or variable-rate HELOC in Delaware.

Start imagining the possibilities by using the equity in your home to get the cash you need. You can get fixed-rate loans and variable-rate lines of credit at competitive rates. These are not just the best home improvement loans – you can use the funds for anything.

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Schedule an Appointment

Fixed-Rate Home Equity Loan

Competitive, fixed interest rates
Best used for several short-term or one-time needs
The existing equity in your home is used as collateral backing
Pay no points and no closing costs*

Various repayment terms that work uniquely for you
Interest paid might be tax deductible**
Local decision-making and processing right here in Delaware
Friendly service from one of the best Delaware Home Equity Loan lenders

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Variable-Rate Home Equity Line of Credit

Competitive, variable interest rates
Best used for recurring or seasonal needs such as education expenses, home improvements, debt consolidation and more!
Various repayment terms that work uniquely for you
Funds available anytime without reapplying
Revolving credit – as principal is repaid, more becomes available for use

Funds easily available through checks or via in-person or phone transfers to a Del-One FCU checking account
Interest paid might be tax deductible**
Set up monthly automatic payments to deduct from your account
Friendly service from one of the best HELOC lenders in Delaware

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*Conditions/restrictions apply. NMLS ID# 543572
**Consult a tax advisor.

Current Home Equity Loan and Home Equity Line of Credit Rates

Account		APR^A
Home Equity Loans	Rates as low as…	6.00%
Home Equity Line of Credit (HELOC)*	Rates as low as…	7.00%^B

A) A.P.R.= Annual Percentage Rate
B) Rates based on the Prime Rate of 1/1/2025

Rates subject to change. Current loan rates accurate as of date listed below. Other terms and rates available. Contact us about applicable fees and terms.

Effective 3/29/2025

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Plan For The Unexpected

Does your family have a safety net if the unexpected hits? Click here to learn more about our optional debt protection, to protect your new/existing loan(s), or to file a claim.