Use the equity in your home for a fixed loan or a variable line of credit.

Start imagining the possibilities by using the equity in your home to get the cash you need. We offer fixed loans and variable lines of credit—both at competitive rates.

Do You Want

Fixed Rate Home Equity Loan

  • Competitive, fixed rates 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**
  • Accommodating repayment terms that work uniquely for you
  • The interest paid might be tax deductible***
  • Local decision-making and processing right here in Delaware
  • Attentive, friendly service from start to finish

Home Equity Line of Credit

  • Competitive, variable rates for several ongoing or seasonal needs: education expenses – major life events – major home improvements – debt consolidation – emergency reserve
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • 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 specified Del-One FCU checking account
  • The interest paid might be tax deductible**
  • Rates are subject to change
  • Set up automatic payments to be deducted from your account monthly

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

Current loan rates

Account APRA
Home Equity Loans Rates as low as… 7.00%
Home Equity Line of Credit (HELOC)* Rates as low as… 8.00%B

A) A.P.R.= Annual Percentage Rate
B) Rates based on the Prime Rate of 3/1/2024
Rates subject to change. Rates accurate as of above listed date. Other terms and rates available. Members may contact any CU staff member for further info. on applicable fees and terms.

Effective 4/1/2024

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.

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Del-One Federal Credit Union

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Since 1960

Del-One Federal Credit Union

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