Estate planning at Del-One
How to protect 13 Del-One accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-302-739-4496
Fax1-302-739-2868
Mailing Address
Del-One Federal Credit Union, 270 Beiser Blvd, Dover, DE 19904
WebsiteLearn more→
Phone1-302-739-4496
Fax1-302-739-2868
Mailing Address
Del-One Federal Credit Union, 270 Beiser Blvd, Dover, DE 19904
WebsiteLearn more→
Member Services
Phone1-302-739-4496
Fax1-302-739-2868
Mailing Address
Del-One Federal Credit Union, 270 Beiser Blvd, Dover, DE 19904
Verified Apr 2026
How your Del-One accounts transfer at death depends on how each one is set up. As a membership-based credit union, Del-One membership is open to employees of the State of Delaware, employees of Del-One Select Employer Groups, immediate family or household members of existing members, and Delaware residents. Residents of adjacent bordering counties in Maryland and Pennsylvania may also be eligible through the Del-One Foundation. Del-One operates 16 branches throughout Delaware (following the Louviers FCU merger) and is part of the Co-Op Network with nearly 30,000 surcharge-free ATMs. Note: until full systems integration on August 3, 2026, Del-One members visit Del-One branches and legacy Louviers members visit legacy Louviers branches. With 13 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Account holders can update their beneficiary designations at Del-One in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
Del-One provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 13 account types at Del-One.
View details →When someone dies
Death claim process
6-step process, 6 required documents, and contact information for survivors.
View details →Del-One is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
You may qualify for membership if you are a full-time, part-time, or seasonal employee of the State of Delaware; an employee of a Del-One Select Employer Group; or an immediate family or household member of an existing member (including spouse, children, parents, siblings, and adopted children). Delaware residents and residents of adjacent bordering counties in Maryland and Pennsylvania may also be eligible through the Del-One Foundation. Following the Louviers FCU merger, former Louviers FCU members are now Del-One members.
Regular Checking is free with no monthly maintenance fees and no minimum balance requirements; members may open up to two Regular Checking accounts. Rewards Checking offers tiered dividend rates and ATM fee refunds when eligibility requirements are met, including enrolling in eStatements; each member is limited to one Rewards Checking account. Both include a complimentary Visa debit card and unlimited check writing.
Following the merger with Louviers FCU (legally finalized November 1, 2025), Del-One now operates 16 branch locations throughout Delaware. Original Del-One branches include Bear, Dagsboro, Downtown Dover, Georgetown, Milford, New Castle, Seaford, Smyrna, West Dover, and Wilmington, plus 6 legacy Louviers FCU locations. Most branches are open Monday through Thursday 9:00 am to 5:00 pm, Friday 9:00 am to 6:00 pm, and Saturday 9:00 am to 12:00 pm (drive-thru only on Saturdays at select locations). Full systems integration is scheduled for August 3, 2026; until then, Del-One members visit Del-One branches and legacy Louviers members visit legacy Louviers branches. Del-One is part of the Co-Op Network, providing access to nearly 30,000 surcharge-free ATM locations nationwide.
Yes. While Del-One Traditional IRAs, Roth IRAs, and IRA Certificates cannot be retitled into a trust, you may name a trust as the beneficiary of any Del-One IRA. IRA beneficiary designations are managed separately from deposit account POD designations and require completion of Del-One IRA beneficiary distribution paperwork. Del-One publishes Inherited IRA, Traditional IRA, Roth IRA, and IRA distribution disclosures at del-one.org/disclosures/. Consult an estate planning attorney before naming a trust as an IRA beneficiary because of the SECURE Act 10-year payout rule.
To open a Del-One trust account, call Member Services at 302-739-4496 or visit any branch location with the trust documentation. Del-One requires a copy of the trust agreement or Certificate of Trust, government-issued photo ID for all trustees, and the trust tax identification number (TIN/EIN) or grantor SSN if the trust is revocable. Trust accounts can be set up using any Del-One checking or savings product. Only the named Trustees may transact on the trust account. Del-One cannot provide legal, tax, or estate planning advice.
Yes. Del-One member accounts are insured up to $1,000,000 through a combination of NCUA federal insurance (which covers up to $250,000 per share owner per ownership category) and Excess Share Insurance Corporation (ESI) private insurance, which provides additional coverage above the NCUA limit. POD beneficiaries, joint account ownership, and trust accounts can each create separate insurance coverage categories that increase total insured deposits.
Sources
Data sourced from Del-One primary sources (18 pages reviewed). How we research.
Phone1-302-739-4496
Fax1-302-739-2868
Mailing Address
Del-One Federal Credit Union, 270 Beiser Blvd, Dover, DE 19904
WebsiteLearn more→
Phone1-302-739-4496
Fax1-302-739-2868
Mailing Address
Del-One Federal Credit Union, 270 Beiser Blvd, Dover, DE 19904
WebsiteLearn more→
Member Services
Phone1-302-739-4496
Fax1-302-739-2868
Mailing Address
Del-One Federal Credit Union, 270 Beiser Blvd, Dover, DE 19904
Verified Apr 2026
Estate planning articles
Learn how to protect your Del-One accounts and other assets with trusts, beneficiary designations, and estate planning documents.
