Personal Loans
Finance any need and leave your savings untouched.
*This product replaces the former Payday Alternative Loan (PAL)
*Cash Please – This product replaces the former Payday Alternative Loan (PAL)
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.
✔ Competitive rates for a wide variety of personal needs
✔ Repayment terms customized to fit your unique needs
✔ Attentive, friendly service from knowledgeable staff—from start to finish
✔ Secured and unsecured loans available
✔ Local decision-making and processing in Delaware
Note: Loan products are not federally insured by NCUA
- Competitive rates for a wide variety of personal needs
- Repayment terms customized to fit your unique needs
- Secured and unsecured loans available
- Local decision-making and processing in Delaware
- Attentive, friendly service from knowledgeable staff—from start to finish
Note: Loan products are not federally insured by NCUA
Seeking a Higher Loan Limit?
A secured loan, backed by your shares (or shares certificate), may be the answer.
How it works:
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 principal payments are made.
Your shares continue to earn dividends while you pay low monthly payments on your loan.
Because they are backed by collateral, secured loans offer higher credit limits than unsecured ones. That is why typically unsecured loans are only taken out for paying off taxes, auto repairs, home improvements, and debt consolidation.
Current Loan Rates
| Account | APRA |
|---|---|
| Share Secured | current share rate plus 3% |
| Personal* Rates as low as... Minimum Loan Repayment Term | 9.00% No Minimum Term |
| Unsecured Home Improvement* Rates as low as... | 7.00% |
| VISA C | 0% intro. As low as 12.75% up to 18.00% |
| New Vehicle 1 D E Rates as low as... | 5.50%B |
| Used Vehicle 2 D E Rates as low as... | 5.50%B |
| Motorcycle* E Rates as low as... | 8.75% |
| Boat* Rates as low as... | 11.00% |
| Home Equity Loans Rates as low as... | 6.25% |
| Home Equity Line of Credit* (HELOC)Rates as low as... | 6.00%C |
*Rate includes up to .50% discount for having direct deposit and auto pay to loan from Del-One checking account, not to go lower than floor rate. Discount of .25% for auto pay to loan.
** Combined LTV cannot exceed 100% with any existing 2nd lien Home Equity or HELOC loans.
- A) A.P.Y.= Annual Percentage Yield
- B) A.P.R.= Annual Percentage Rate
- C) Rates may vary based on credit worthiness
- D) Rates based on the Prime Rate of 2/1/2026
- E) Additional .25% will be deducted as Green Auto Discount for any purchase of an Electric Vehicle, Hybrid, Fuel Cell, Plug-In Hybrid Electric Vehicle or Tesla
- F) Lowest rates available for Indian and Harley Davidson motorcycles only
- Only the funds that comprise each tier will earn the rate for that tier.
- See your Agreements & Disclosures for qualifications.
- Minimum balance of $5,000 for regular Money Market to avoid fee, and minimum balance of $10,000 for business Money Market to avoid fee
- $500 minimum balance (18 mo. share or IRA promo rate available only if member has or opens Rewards Checking)
- New Vehicles include: Auto, Truck & Van. Rates may vary based on term, down payment, and credit worthiness
- Used Vehicles include: Auto, Truck & Van. Rates may vary based on term, down payment, credit worthiness and age of vehicle
Effective 4/1/2026
Rates subject to change. Early withdrawal penalties may apply. 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.
We’ve partnered with GreenPath™ to offer a plethora of financial education resources and courses designed to provide education and value to members exploring various products and services! Check out our co-branded free online course on lending and credit score:
Helping Members Reach Their Goals
Since 1960
Del-One Federal Credit Union
