Credit union · NCUA insured
Del-One Federal Credit Union Savings Rates
Del-One Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Del-One Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Del-One Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Del-One Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Del-One Federal Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.83%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Del-One Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.50%APY
$5,000 minimum deposit. $5 monthly low balance fee waived with a $5,000 minimum balance. Direct check writing, unlimited in-person withdrawals, and 6 free transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000$5 monthly low balance fee waived with $5,000 minimum balance. | 0.50% | $50 | $5 monthly low balance fee waived with $5,000 minimum balance. |
| $25,000 – $50,000$5 monthly low balance fee waived with $5,000 minimum balance. | 1.00% | — | $5 monthly low balance fee waived with $5,000 minimum balance. |
| $50,000 – $100,000$5 monthly low balance fee waived with $5,000 minimum balance. | 1.25% | — | $5 monthly low balance fee waived with $5,000 minimum balance. |
| $100,000 – $250,000$5 monthly low balance fee waived with $5,000 minimum balance. | 1.50% | — | $5 monthly low balance fee waived with $5,000 minimum balance. |
| $250,000 and up$5 monthly low balance fee waived with $5,000 minimum balance. | 2.50% | — | $5 monthly low balance fee waived with $5,000 minimum balance. |
Sources (3)
- del-one.org/money-market
- del-one.org/wp-content/uploads…ule-of-Fees-Consumer.pdf
- del-one.org/share-rates
All captured Oct 22, 2026
Rainy Day Savings Account
0.83%APY on $10,000
Del-One membership with Rewards Checking or Student Checking is required. Del-One debit card purchases round up to the next dollar amount and the difference is deposited into Rainy Day Savings. Unlimited deposits and withdrawals in branch.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 2.96% |
| $1,000 – $2,500 | 1.49% |
| $2,500 – $5,000 | 1.00% |
| Over $5,000 | 0.10% |
On $10,000 the tiers blend to about 0.83% APY, earning $83 a year.
WINcentive Savings Account
0.10%APY
Prize-linked savings account. Limited to 1 WINcentive account per person. Must be a member in good standing and a resident of Delaware, Virginia, New Jersey (18+), or Maryland. Business and trust accounts are not eligible. Earn 1 entry into prize drawings for every $25 saved per month (max entries by saving $100/month). One penalty-free withdrawal permitted during anniversary month. Early withdrawals during 12-month period: 1st withdrawal = $10, 2nd withdrawal = $25, 3rd withdrawal = account closure required (no penalty; all entries forfeited). If account closed, member is ineligible to reopen for 90 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAccount pays 0.10% APY. Minimum opening deposit of $5. Minimum deposit of $25 needed to be entered in drawings. Early withdrawal fees: 1st withdrawal = $10, 2nd withdrawal = $25, 3rd withdrawal requires account closure. One penalty-free withdrawal during anniversary month.Any balance | 0.10% | $10 | Account pays 0.10% APY. Minimum opening deposit of $5. Minimum deposit of $25 needed to be entered in drawings. Early withdrawal fees: 1st withdrawal = $10, 2nd withdrawal = $25, 3rd withdrawal requires account closure. One penalty-free withdrawal during anniversary month. |
Sources (3)
- del-one.org/wincentive-savings-accounts
- del-one.org/wp-content/uploads…ule-of-Fees-Consumer.pdf
- del-one.org/share-rates
All captured Oct 22, 2026
Special-purpose accounts
I.R.A. Share
0.15%APY
Retirement savings account with Traditional and Roth IRA options. No setup fees, and no monthly or annual maintenance fees. Available to open at any Del-One branch. Funds can be used to purchase certificates within the IRA. Withdrawals before age 59 1/2 may be subject to taxation and IRS penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRA options available. No setup fee, no monthly or annual maintenance fees. No minimum deposit to open.Any balance | 0.15% | $15 | Traditional and Roth IRA options available. No setup fee, no monthly or annual maintenance fees. No minimum deposit to open. |
Christmas Club Account
0.10%APY
Automatically transfers funds to primary share account (savings account) on October 1. Includes two free optional withdrawals at request per year; $5.00 excess withdrawal fee for each subsequent withdrawal. Deposit any amount at any time. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. No monthly service fee. Two free optional withdrawals per year ($5 fee per subsequent withdrawal). Funds transfer automatically to primary share account on October 1.Any balance | 0.10% | $10 | No minimum balance required. No monthly service fee. Two free optional withdrawals per year ($5 fee per subsequent withdrawal). Funds transfer automatically to primary share account on October 1. |
Sources (3)
- del-one.org/holiday-vacation-savings-accounts
- del-one.org/wp-content/uploads…ule-of-Fees-Consumer.pdf
- del-one.org/share-rates
All captured Oct 22, 2026
Regular Share Savings Account
0.10%APY
Establishes Del-One FCU membership. Deposits can be made via payroll deduction, direct deposit, in person, or by mail. Unlimited deposits and withdrawals in branch. Monthly service fee of $5.00 waived if monthly aggregate share balance is greater than $250, member maintains an active positive Del-One loan balance, completes a transaction during the month, or account holder is age 18 or under.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upCompetitive dividends on balances of $100 or more. Monthly fee of $5.00 waived with aggregate share balance > $250, current positive loan balance, transaction completed during month, or age 18 and under.$100 and up | 0.10% | $10 | Competitive dividends on balances of $100 or more. Monthly fee of $5.00 waived with aggregate share balance > $250, current positive loan balance, transaction completed during month, or age 18 and under. |
Sources (3)
- del-one.org/rainy-day-savings-accounts
- del-one.org/wp-content/uploads…ule-of-Fees-Consumer.pdf
- del-one.org/share-rates
All captured Oct 22, 2026
Vacation Club Account
0.10%APY
Automatically transfers funds to primary share account (savings account) on June 1. Includes two free optional withdrawals at request per year; $5.00 excess withdrawal fee for each subsequent withdrawal. Deposit any amount at any time. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. No monthly service fee. Two free optional withdrawals per year ($5 fee per subsequent withdrawal). Funds transfer automatically to primary share account on June 1.Any balance | 0.10% | $10 | No minimum balance required. No monthly service fee. Two free optional withdrawals per year ($5 fee per subsequent withdrawal). Funds transfer automatically to primary share account on June 1. |
Sources (3)
- del-one.org/holiday-vacation-savings-accounts
- del-one.org/wp-content/uploads…ule-of-Fees-Consumer.pdf
- del-one.org/share-rates
All captured Oct 22, 2026
Who can join Del-One Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals based on where they live, work, worship, or attend school in the Town of Georgetown, City of Milford, City of Newark, City of Wilmington, or West Dover Charter Area.
Employers and groups
- Membership is open to all full-time, part-time, and seasonal/casual/temporary employees, and elected and appointed officials of any of Del-One's Select Employer Groups.
Military, government and schools
- Membership is open to all full-time, part-time, and seasonal/casual/temporary employees, and elected and appointed officials of the State of Delaware.
Family and household
- Membership is open to individuals who have an immediate family member or household member who already has an account.
Other ways
- Membership is open to residents of Delaware or adjacent bordering counties in Maryland (Cecil, Kent, Queen Anne's, Caroline, Dorchester, Wicomico, Worcester) or Pennsylvania (Chester, Delaware) through joining and contributing to the Del-One Foundation.
Cost to join
- An initial deposit of $5 is required to open an account.
Membership information collected October 4, 2026.