Maintenance Fee$5.00/month (Waived if monthly aggregate share balances greater than $250; positive Del-One loan balance that is current; transaction completed during the month; or age 18 or under.)

WINcentive Savings

Withdrawal Fee1st withdrawal = $10
2nd = $25
3rd withdrawal = account closure required (no penalty); all entries forfeited
After member has reached their 12 month anniversary date from account opening, member is permitted to make one penalty-free withdrawal from account during anniversary month

Money Market

Low Balance Fee$5.00/month (minimum balance of $5,000 to avoid fee)

Vacation & Christmas Club

Excess Withdrawal Fee$2.00/withdrawal (over 2 per year)


NSF Fee (Non-sufficient Funds)$25.00 each
Paid NSF (Premium Overdraft Protection)$25.00 each (per covered transaction)
Automatic Overdraft Transfer
$5.00 each
Check Order Fee1st box is free (select styles – consumer only)
Cost for additional boxes will vary based on style selected
Free to members 50 years of age and older (select styles)


Lien Fee$25.00
Pay by Card Fee$10.00
Refinance Fee1% of amount financed
(Refinance fee is only charged if the rate decreases due to the refinance of any Del-One loan.)
Unsecured Loan
Late Payment Fee20% of interest due after 5 days
Secured Auto Loan
Late Payment FeeLesser of $15.00 or 5% if the total amount of the payment is not paid in full after 10 days
Variable & Fixed Rate Home Equity
Late Payment Fee20% of interest due after 15 days
Application Fee$200 (non-refundable) applicable to all applicants
Closing Cost*$310 *Closing costs waived for HELOC loan amounts of $50,000 or more in “new” money.
Variable Rate Home Equity Line of Credit
Over Limit Fee$30.00
Payday Alternative
Application Fee$20.00
Visa Credit Card
Penalty Rate18%
Late Payment Fee
Up to $35.00 but not greater than minimum payment due amount
Returned Check/Payment FeeUp to $35.00 but not greater than minimum payment due amount
Balance Transfer Fee None
Balance Transfer FeeNone
Returned Balance Transfer Fee$10.00 per item
Statement Copy Fee$1.00 each page
Cash Advance Fee3% of each amount ($10 minimum/$35 maximum)


Statement Copy/ Account History Print$1.00 per page
Return Statement Fee$2.00 (for each undeliverable statement)
Research/Reconciliation Fee$10.00 per hour (if other than CU error)
Draft/Check Copy$3.00 each
Dishonored Deposit$25.00 each
Stop Payment$25.00 each (maximum charge when drafts are consecutive)
NSF Fee (Non-sufficient Funds)$25.00 each
Incoming Wire Transfer$10.00 each
Outgoing Wire Transfer$25.00 each
Official Check (Payable to Third Party)$3.00 per check
Dormant Account Fee$5.00/month (No transactions within the last 12 months. Other conditions may apply.)
Money Orders$2.00 each (max amt for issue per money order = $1000)

Visa Debit Card/ATM

Foreign ATM Fee$3.00 each (waived for DE Wawa, DE Royal Farms & DE 7-Eleven ATMs)
Replacement Card$10.00 each/ (1) free replacement card per year
International Transaction Fee1% of purchase

Visa Gift Card

Purchase Fee$3.50 – See card disclosure for additional fees.

Visa Reloadable Debit Card

Purchase Fee$5.00 – See card disclosure for additional fees.

Online Banking

Online Account Access/ Bill PayNO CHARGE
Overnight Check$14.95
Same Day Pay$9.95

Safe Deposit Box

Box SizeAnnual Rent
3X5$30.00 (Milford, Smyrna & West Dover locations only)
5X5$45.00 (Milford & Smyrna locations only)
10X10$120.00 (West Dover location only)
Lost Key/Drill Fee$150.00

Business Checking

Maintenance Fee
        Business Checking$10.00 per month (minimum balance of $1,000 to avoid fee)
        Non-Profit Business CheckingFREE
Dishonored Deposit$5.00 each
Check Paid/DepositedFirst 300 items free, then $0.30 each (Deposited items include all deposits to the member number regardless of share type.)
Coin Deposited$0.10 per roll (no charge when using coin machine)
Overdraft Transfer$5.00 per item
Cash Deposit Fee
(if cash and coin is > than $2,500)
Greater of 1% of amount deposited or $50 per employee, per hour. (Fee waived if $5,000 on deposit in a Del-One checking account.)