Consumer Loans


Personal Loans

Our lenders are here to give you a helping hand for whatever you need

Get financing for a wide range of needs from a loan that’s truly personal. We’re your neighbors and want to see you living life to the fullest. A personal loan helps you fund summer fun, gets your dream project off the ground, or gives you something to fall back on when emergencies occur. Apply for yours today!

  • Competitive rates for a wide variety of personal needs:
    • Vehicle repairs or updates
    • Family vacation
    • Education expenses
    • Personal projects or startups
    • And much more!
  • Repayment terms customized to fit your unique needs
  • Secured and unsecured (signature) loans available
  • Pre-approved personal lines of credit available
  • Local decision-making and processing right here in Delaware
  • Attentive, friendly service from start to finish
  • Loan products are not federally insured by NCUA

View our current rates.

Secured vs. Unsecured Loans

Seeking a higher loan limit? A secured loan, backed by your shares (shares or share certificate), may be the answer.

Deposit money in a shares or shares certificate account and borrow the full amount of the loan at a special low, fixed rate*. Secured shares (money in your account) are released as the principle payments are made. Your shares continue to earn dividends while you pay low monthly payments on your loan. 

Unsecured (signature) are not backed by collateral, so they typically offer lower credit limits. These loans can be used for a variety of purposes, including paying off taxes, auto repairs, home improvements, and debt consolidation. 

Choose the loan that works for you and apply now!

*Annual Percentage Rate. Includes .25% discount for direct deposit to OR auto payment from a Del-One checking account. Actual rate determined by credit score/credit worthiness. Rate/offer is subject to change at any time. Cannot be used to pay off an existing Del-One loan. 
Lines of Credit

A line of credit is similar to a credit card. You’ll get access to flexible financing that lets you make withdrawals whenever you need to — without having to reapply. 

  • Competitive rates for several ongoing needs
  • Get an advance with a pre-approved line of credit*
  • Easy and convenient forms of payment: payroll deduction, automatic payments, by mail, in branch, or telephone transfer
  • Local decision-making and processing right here in Delaware
  • Attentive, friendly service from start to finish

Overdraft Line of Credit

With an overdraft line of credit, your checking account is covered. You are protected from overdrafts and from having transactions denied for non-sufficient funds.


*Credit approval, terms, and rates based on credit worthiness and other factors.

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