LINES OF CREDIT
Get access to flexible financing at interest rates lower than most credit cards with a personal or an overdraft line of credit.
Pay off your other debts, unexpected expenses, or consolidate higher interest rate loans, with convenient payments and competitive interest rates while benefiting from ongoing access to available credit for future use.
DO YOU WANT
Personal Service Lines of Credit
A line of credit is similar to a credit card. You can 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, mail, in branch or phone transfer
- Local decision-making and processing in Delaware
- Attentive, friendly service from knowledgeable staff—from start to finish
Overdraft Lines of Credit
- No overdrafts, no declined transactions—just easy payments
- 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.
Note: Loan products are not federally insured by NCUA
CURRENT LINES OF CREDIT RATES
| Account | APRA |
|---|---|
| Personal Line of Credit Rates as low as… | 8.00% |
| Home Equity Line of Credit (HELOC)* Rates as low as… | 7.50%B |
A) A.P.R.= Annual Percentage Rate
B) Rates based on the Prime Rate of 9/1/2024
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 11/1/2024
PERSONAL DEBT CONSOLIDATION CALCULATOR
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.
Credit Score
A Free Credit Report & Monitoring Alerts Program
Consumer Loan FAQ
An application will need to be submitted along with proof of income and a valid picture ID. Additional information may be required.
An unsecured loan or personal loan is a loan that is not secured with collateral. These loans are primarily based on credit score and income.
Note: Your creditworthiness is heavily weighed.
We offer CashPlease – a small-dollar, short-term loan.
You must qualify for membership with the credit union to obtain a loan.
Risk-based lending takes into account your credit score to determine your interest rate. The higher the credit score, the lower the interest rate.
Once you submit a loan application, the loan officer will advise if a co-signer is needed for approval.
Yes, there is a 5-day grace period on unsecured/personal loans before a late fee is assessed.
Please refer to your loan contract to determine how your fee is assessed.
A loan decision will be made within 24-48 business hours.
There are several ways you can make a payment from another financial institution. Please visit the Make a Payment page for more information.
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Del-One Federal Credit Union
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Since 1960
Del-One Federal Credit Union
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