Personal Loans · Delaware
15 credit unions in Delaware report personal loan rates to the NCUA. Rates range from 6.45% to 14.57%.
Updated Q1 2026 · NCUA Call Report data
15
CUs Reporting Rates
6.45%
Lowest Rate
11.27%
State Average Rate
11
Cities Covered
15 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | DELAWARE RIVER & BAY AUTH EMP NEW CASTLE | 6.45% | — |
| 2 | COMMUNITY POWERED BEAR | 8.50% | 9.88% |
| 3 | WILMINGTON POLICE & FIRE Wilmington | 9.00% | — |
| 4 | EDU New Castle | 9.90% | 9.99% |
| 5 | DEL-ONE Dover | 10.00% | 12.75% |
| 6 | DELAWARE STATE POLICE Georgetown | 10.39% | 9.90% |
| 7 | TIDEMARK Seaford | 11.17% | 12.75% |
| 8 | AMERICAN SPIRIT NEWARK | 11.42% | 10.05% |
| 9 | NEW CASTLE COUNTY DELAWARE EM NEW CASTLE | 11.84% | 12.00% |
| 10 | PRIORITY PLUS WILMINGTON | 12.00% | 12.99% |
| 11 | DEXSTA Wilmington | 12.99% | 15.65% |
| 12 | DOVER DOVER | 13.25% | 15.99% |
| 13 | EAGLE ONE Claymont | 13.51% | 10.26% |
| 14 | STEPPING STONES COMMUNITY Wilmington | 13.99% | — |
| 15 | PROVIDENT DOVER | 14.57% | 12.50% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.