Online Banking Login


New User

Learn More

Privacy & Security


Personal Loans

A personal loan can be either secured or unsecured and is initiated through the submission of a Consumer Loan Application. Personal loans include the sub categories listed below:

Overdraft Protection Line of Credit – This is an unsecured line of credit which helps protect the member from overdraft fees and the reputation risk that often results from returned checks and electronic payments. Click here for more details

Share Secured Loan – This is a loan secured by the member’s funds on deposit with the Credit Union. In a sense, this is a loan that allows the member to borrow funds from themselves! With a Share Secured Loan, the Credit Union puts a hold on the member’s funds on deposit equal to the amount of the loan request. Several advantages to a Share Secured Loan:

  • No loan application fee.
  • Fast approval – as quick as same business day.
  • Lowest Annual Percentage Rate (APR) of any loans offered by the Credit Union.
  • Member deposits continue to earn interest while serving as loan collateral.
  • If secured by Share Account repayment term can be up to 36 months. If secured by Share Certificate repayment term can be up to 60 months.

Signature Loan – A signature loan is an unsecured loan (one that is not collateralized). Qualified borrowers may borrow up to $5,000, with a maximum repayment term of 24 months. 

In order to initiate a Personal Loan, we require that a consumer loan application be completed ($15 application fee applies). Loan approval is based upon the member’s credit worthiness as determined by factors such as credit report, debt to income ratio, history with the Credit Union, amongst other factors.

To view our current loan rates, please click here.

To fill out a Consumer Loan Application, please click here.  Once completed, please bring application to a lender at any of our offices.  You may also fax the application to the Delta office at: 874-5241, the Hotchkiss office at: 872-6607, or the Cedaredge office at: 856-4903.  Please do not send via email for security reasons. (If not submitted in person, signed original application, filled out in blue or black ink, must be provided to CU prior to loan closing).

© Copyright 2020 Delta County Federal Credit Union. All Rights Reserved.  Terms of Use  Site Map

You are leaving Delta County Federal Credit Union

By clicking Continue, you will be taken to a website that is not affiliated with Delta County Federal Credit Union. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Delta County Federal Credit Union's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Delta County Federal Credit Union.


Unsecure Email Disclosure

NOTICE: This information is not encrypted. Please do not include any private, personal information, such as account numbers, balance information, or social security numbers in your message to us. If you need to provide this type of information, please contact us directly at the phone numbers listed, or send an e-mail and ask that our representative contact you. Or, if you are an Online Banking customer, you may send a secure message by logging into your Online Banking account.


Usted está saliendo de Delta County Federal Credit Union

Al hacer clic en Continuar, se le llevará a un sitio web que no está afiliada con Delta County Federal Credit Union. Por favor, tenga en cuenta que usted ya no ser objeto de, o bajo la protección de las políticas de privacidad y seguridad de la web de Delta County Federal Credit Union. Le animamos a leer y evaluar las políticas de privacidad y seguridad del sitio que están entrando, que pueden ser diferentes a las de Delta County Federal Credit Union.


Unsecure Correo Divulgación

AVISO: Esta información no está encriptada. Por favor no incluya ninguna información privada personal, como números de cuenta, información de saldo, o números de seguridad social en su mensaje para nosotros. Si usted necesita para proporcionar este tipo de información, póngase en contacto con nosotros directamente en los números de teléfono que aparecen, o envíe un correo electrónico y pedir que nuestro contacto representante ti. O, si usted es un cliente de banca en línea, puede enviar un mensaje seguro, acceda a su cuenta bancaria en línea.