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Accelerate your savings and investments.

Every dollar you put into a DoverPhila savings account, money market account, educational, health and individual retirement account, or Certificate of Deposit benefits from an Annual Percentage Yield. And that helps to grow your account balance over time. Choose an account with a rate that works best for your life needs, right now.

  • Savings image linked to content Savings
  • Money Market image linked to content Money Market
  • Checking image linked to content Checking
  • Health Savings Account image linked to content Health Savings Account
  • Coverdell ESA image linked to content Coverdell Passbook ESA
  • Coverdell ESA image linked to content Coverdell Certificate ESA

Savings

SavingsDividend RateAPY*
Personal Savings0.050%0.050%
Savers Club Savings0.050%0.05%
DP's Kids Club Savings0.050%0.05%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

Money Market

Credit Score: 730+

Insured Money MarketsDividend RateAPY*
Insured Money Market (up to $2,499)0.050%0.05%
Insured Money Market ($2,500 minimum)0.170%0.17%
Insured Money Market ($50,000 minimum)0.220%0.22%
Insured Money Market ($100,000 minimum)0.270%0.27%
Insured Money Market ($250,000 minimum)0.300%0.30%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

Checking

CheckingDividend RateAPY*
Share Draft Personal Checking0.00%0.00%
Share Draft Business Checking0.00%0.00%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

Health Savings Account

HSA CheckingDividend RateAPY*
less than $1,0000.050%0.05%
$1,000 to $2,499.990.200%0.20%
$2,500 to $9,999.990.500%0.50%
$10,000 or above1.000%1.00%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

Coverdell Passbook ESA

Passbook ESA BalanceDividend RateAPY*
Up to $2,4990.050%0.05%
$2,500 minimum0.0170%0.17%
$50,000 minimum0.220%0.22%
$100,000 minimum0.270%0.27%
$250,000 minimum0.300%0.30%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

Coverdell Certificate ESA

Certificate ESA TermDividend RateAPY*
6 Month Certificate0.300%0.30%
12 Month Certificate0.400%0.40%
18 Month Certificate0.450%0.45%
24 Month Certificate0.500%0.50%
36 Month Certificate0.600%0.60%
48 Month Certificate0.650%0.65%
60 Month Certificate0.700%0.70%
72 Month Certificate0.750%0.75%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity
Not intended as tax advice. Please consult your financial and/or tax adviser.

  • Certificate Loans image linked to content Certificate of Deposit
  • IRA image linked to content Passbook IRA
  • IRA image linked to content Certificate IRA

Certificate of Deposit

Certificate TermDividend RateAPY*
6 Month Certificate0.300%0.30%
12 Month Certificate0.400%0.40%
18 Month Certificate0.450%0.45%
24 Month Certificate0.500%0.50%
36 Month Certificate0.600%0.60%
48 Month Certificate0.650%0.65%
60 Month Certificate0.700%0.70%
72 Month Certificate0.750%0.75%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity

 

Passbook IRA

Passbook IRA BalanceDividend RateAPY*
Up to $2,4990.050%0.05%
$2,500 minimum0.170%0.17%
$50,000 minimum0.220%0.22%
$100,000 minimum0.270%0.27%
$250,000 minimum0.300%0.30%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.


Certificate IRA

Certificate IRA TermDividend RateAPY*
6 Month Certificate0.300%0.30%
12 Month Certificate0.400%0.40%
18 Month Certificate0.450%0.45%
24 Month Certificate0.500%0.50%
36 Month Certificate0.600%0.60%
48 Month Certificate0.650%0.65%
60 Month Certificate0.700%0.70%
72 Month Certificate0.750%0.75%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity
Not intended as tax advice. Please consult your financial and/or tax adviser.

 

Youth Savings – Savers Club

For teens ages 13-17

Whether you’re babysitting, mowing lawns, work a part-time job after school or receive an allowance, chances are this is the stage of life where you’re earning money for the first time. Learning how to manage your money now will pay dividends throughout life. With a DP Savers Club account, you’ll be able to develop solid money management, budgeting, and good credit practices.

Now is the time to start saving and looking toward your future. A DP Savers Club account will give you a jump start on achieving your goals.  If you’re saving for your first car or college, we’re here to help.  DoverPhila offers many products and services that will help you stay focused on financial goals.

Dover Phila Savers Club

Membership benefits:

      • Earn dividends on savings and checking accounts
      • Certificates of Deposit with low $250 minimum balance*
      • Fun and educational quarterly newsletter
      • Contests
      • Invitation to special events
      • Semi-annual savings incentive
      • Free access to Banzai – an award-winning, online financial program

How to join:

Simply open a DP Savers Club account with an initial deposit of $5 or more.  If you already have a DoverPhila account, you can transfer it to a DP Savers Club account. No additional deposit is required.  If you currently have a custodial account, you will need to open a separate DP Savers Club account.

Additional benefits:

      • At age 16, you can apply for a MasterCard® Debit Card+, with a parent joint on your account.  A debit card allows you to pay for purchases directly from your checking without the hassle of writing a check.
      • Online services consist of On Line-On Time® home banking, eStatements, and online bill pay++.
        • On Line-On Time® home banking is available to all members at no charge. You can sign up online or at any branch. Online access allows you to make transfers, view accounts, and make payments on your loan accounts with the credit union.
        • Online bill pay is also free. This service allows you to make payments to anyone.
      • When you turn 18, your account will automatically be converted to a regular share account. If you have a checking account, you will no longer be required to have an adult joint on your account. You will also be eligible to apply for a Visa® card** or an installment loan.

If you're not already a DP Savers Club member, become one today!

* Only available to DP’s Kids Club and DP Savers Club accounts.

** Some restrictions apply.

+ See Credit Union for disclosure information.

++ Checking account required.

See Credit Union for disclosure information. See Credit Union for disclosure information on excessive use charges.

 

Youth Savings – DP’s Kids Club

For kids ages 12 and under

Parents – want to help your children learn to manage money? Then bring your children — age 12 and under — to any DoverPhila branch and sign them up for their very own savings account through DP’s Kids Club.

DP's Kids Club image

By joining the club, children learn to manage money early and reap the special rewards this account offers.

Joining is easy

Simply bring your child, their social security card, and a deposit of $5 (or more) to any of our five convenient locations and activate their account. It’s that easy.

If your child already has a DoverPhila savings account, you can sign your child up for membership in DP’s Kids Club. No additional deposit is required. (Note: If you currently have a custodial account, you will need to set up a separate account for the kids club.)

DP's Kids Club benefits

Here are just some of the benefits that come with DP’s Kids Club membership:

      • Fun Gifts– Kids receive a postcard in the mail each quarter with an incentive to save their money.
      • Membership Card – The official club membership card – kids love them!
      • Games & Contests – Quarterly contest with cash prizes.
      • Quarterly Newsletter – Credit union news and money facts tailored specifically to kids.
      • Special Events – Celebrate summer at the annual DP’s Kids Club Day (always the first Saturday in August) that includes games, contests, and refreshments.
      • Financial Tools for Kids – Education is the key to success. Club activities and tools are designed to help kids learn money management.
      • Access to Banzai – An award-winning, online financial literacy program that allows members to discover real-world finances through “learning by doing.”
      • And More!

Early education is crucial to adopting lifelong money management skills. Working together we can help children learn to successfully manage their money. By joining the kids club, kids are given the opportunity to learn the value of saving money while also having fun.

When your child reaches the age of 13, their financial education really kicks into gear. Their membership will automatically be converted to a DP Savers Club membership.

Not-For-Profit

As a not-for-profit credit union, we appreciate the unique governing structure of not-for-profits, their need to keep expenses in check, and desire to show results for the programming.

For that reason our not-for-profit checking account offers all of the great features and benefits of our business checking account, but without the monthly service charges (waived for qualified 501c3 not-for-profit organizations). 

Features of our Not-For-Profit Checking include:

      • No minimum balance
      • No monthly service charges
      • Free overdraft protection from your savings account
      • Unlimited check writing
      • Online banking
      • Mobile banking
      • Digital check images through online banking
      • eAlerts
      • ATM/Debit card access

While your first order of checks needs to be made through a DoverPhila branch location, you can reorder checks quickly and easily online.

  • Savings
  • Money Market

Savings

SavingsDividend RateAPY*
Personal Savings0.050%0.050%
Savers Club Savings0.050%0.05%
DP's Kids Club Savings0.050%0.05%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

Money Market

Credit Score: 730+

Insured Money MarketsDividend RateAPY*
Insured Money Market (up to $2,499)0.050%0.05%
Insured Money Market ($2,500 minimum)0.170%0.17%
Insured Money Market ($50,000 minimum)0.220%0.22%
Insured Money Market ($100,000 minimum)0.270%0.27%
Insured Money Market ($250,000 minimum)0.300%0.30%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

  • Checking
  • Health Savings Account

Checking

CheckingDividend RateAPY*
Share Draft Personal Checking0.00%0.00%
Share Draft Business Checking0.00%0.00%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

Health Savings Account

HSA CheckingDividend RateAPY*
less than $1,0000.050%0.05%
$1,000 to $2,499.990.200%0.20%
$2,500 to $9,999.990.500%0.50%
$10,000 or above1.000%1.00%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

  • Coverdell Passbook ESA
  • Coverdell Certificate ESA

Coverdell Passbook ESA

Passbook ESA BalanceDividend RateAPY*
Up to $2,4990.050%0.05%
$2,500 minimum0.0170%0.17%
$50,000 minimum0.220%0.22%
$100,000 minimum0.270%0.27%
$250,000 minimum0.300%0.30%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.

 

Coverdell Certificate ESA

Certificate ESA TermDividend RateAPY*
6 Month Certificate0.300%0.30%
12 Month Certificate0.400%0.40%
18 Month Certificate0.450%0.45%
24 Month Certificate0.500%0.50%
36 Month Certificate0.600%0.60%
48 Month Certificate0.650%0.65%
60 Month Certificate0.700%0.70%
72 Month Certificate0.750%0.75%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity
Not intended as tax advice. Please consult your financial and/or tax adviser.

  • Certificate of Deposit
  • Passbook IRA

Certificate of Deposit

Certificate TermDividend RateAPY*
6 Month Certificate0.300%0.30%
12 Month Certificate0.400%0.40%
18 Month Certificate0.450%0.45%
24 Month Certificate0.500%0.50%
36 Month Certificate0.600%0.60%
48 Month Certificate0.650%0.65%
60 Month Certificate0.700%0.70%
72 Month Certificate0.750%0.75%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity

 

Passbook IRA

Passbook IRA BalanceDividend RateAPY*
Up to $2,4990.050%0.05%
$2,500 minimum0.170%0.17%
$50,000 minimum0.220%0.22%
$100,000 minimum0.270%0.27%
$250,000 minimum0.300%0.30%

*Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.


  • Certificate IRA

Certificate IRA

Certificate IRA TermDividend RateAPY*
6 Month Certificate0.300%0.30%
12 Month Certificate0.400%0.40%
18 Month Certificate0.450%0.45%
24 Month Certificate0.500%0.50%
36 Month Certificate0.600%0.60%
48 Month Certificate0.650%0.65%
60 Month Certificate0.700%0.70%
72 Month Certificate0.750%0.75%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective October 1, 2021 – rates are effective until further notice.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity
Not intended as tax advice. Please consult your financial and/or tax adviser.

 

A SIMPLE $5 DEPOSIT IS ALL IT TAKES.
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