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Accelerate your savings and future plans.

Every dollar you put into a DoverPhila share account benefits from an Annual Percentage Yield that helps grow your account balance. You have rate options that benefit you now—or to help build a foundation for a better tomorrow.

Share (Savings)

Share (Savings) TypeDividend RateAPY*
Personal Share0.05%0.050%
Savers Club0.05%0.050%
DP's Kids Club0.05%0.050%

*APY = 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.
A $5.00 deposit is required to open a DoverPhila Federal Credit Union share account.
Rates listed effective as of October 1, 2024.

Money Market

Insured Money MarketsDividend RateAPY*
Insured Money Market (up to $2,499)0.05%0.050%
Insured Money Market ($2,500 minimum)1.75%1.766%
Insured Money Market ($50,000 minimum)2.25%2.275%
Insured Money Market ($100,000 minimum)2.75%2.788%
Insured Money Market ($250,000 minimum)3.25%3.303%

*APY = 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.
Rates listed effective as of October 1, 2024.
Not intended as tax advice. Please consult your financial and/or tax adviser.

Checking

CheckingDividend RateAPY*
Share Draft Personal Checking0.00%0.000%
Share Draft Business Checking0.00%0.000%

*APY = 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.
Rates listed effective as of October 1, 2024.

Health Savings Account

HSA CheckingDividend RateAPY*
$0.00 to $2,499.990.50%0.500%
$2,500.00 to $9,999.992.00%2.020%
$10,000.00 to $24,999.992.50%2.531%
$25,000.00 or above3.00%3.045%

*APY = 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.
Rates listed effective as of October 1, 2024.

Coverdell Passbook ESA

Passbook ESA BalanceDividend RateAPY*
Up to $2,4990.05%0.050%
$2,500 minimum1.75%1.766%
$50,000 minimum2.25%2.275%
$100,000 minimum2.75%2.788%
$250,000 minimum3.25%3.303%

*APY = 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.
Rates listed effective as of October 1, 2024.
Not intended as tax advice. Please consult your financial and/or tax adviser.

Coverdell Certificate ESA

Certificate ESA TermDividend RateAPY*
6 Month Certificate4.50%4.603%
12 Month Certificate4.25%4.341%
18 Month Certificate4.10%4.185%
24 Month Certificate3.80%3.873%
36 Month Certificate3.50%3.562%
48 Month Certificate3.25%3.303%
60 Month Certificate3.25%3.303%
72 Month Certificate3.25%3.303%

*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of October 30, 2024.
$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 Accounts

Certificate TermDividend RateAPY*
6 Month Certificate4.50%4.603%
12 Month Certificate4.25%4.341%
18 Month Certificate4.10%4.185%
24 Month Certificate3.80%3.873%
36 Month Certificate3.50%3.562%
48 Month Certificate3.25%3.303%
60 Month Certificate3.25%3.303%
72 Month Certificate3.25%3.303%

*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of October 30, 2024.
$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.

Passbook IRA

Passbook IRA BalanceDividend RateAPY*
Up to $2,4990.05%0.050%
$2,500 minimum1.75%1.766%
$50,000 minimum2.25%2.275%
$100,000 minimum2.75%2.788%
$250,000 minimum3.25%3.303%

*APY = 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.
Rates listed effective as of October 1, 2024.
Not intended as tax advice. Please consult your financial and/or tax adviser.

Certificate IRA

Certificate IRA TermDividend RateAPY*
6 Month Certificate4.50%4.603%
12 Month Certificate4.25%4.341%
18 Month Certificate4.10%4.185%
24 Month Certificate3.80%3.873%
36 Month Certificate3.50%3.562%
48 Month Certificate3.25%3.303%
60 Month Certificate3.25%3.303%
72 Month Certificate3.25%3.303%

*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of October 30, 2024.
$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 Share Accounts – 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 share and checking accounts.
      • Certificate Accounts with low $250 minimum balance*.
      • Fun and educational quarterly newsletters with contests.
      • Exclusive savings event to earn bonuses and win giveaways.
      • Semi-annual savings incentive postcards.
      • Free access to Banzai, an award-winning, online financial program.

Join Today

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, mobile banking, 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 Share Accounts – DP’s Kids Club

For Kids Ages 12 & Under

Parents, do you want to help your children learn to manage money? Then bring your children, ages 12 and under, to any DoverPhila branch and open their very own share account through DP’s Kids Club.

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

DP's Kids Club image

Join Today

Simply bring your child, their social security card, birth certificate, 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 share account, you can open a DP’s Kids Club account for your child. No additional deposit is required. (Note: If you currently have a custodial account, you will need to open a separate account for the DP’s 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!
      • Exclusive Savings – Certificate Accounts with low $250 minimum balance*.
      • Games & Contests – Quarterly contest with cash prizes.
      • Quarterly Newsletter – Credit union news and money facts tailored specifically to kids.
      • Special Events – Youth Week, always the last full week in April, celebrates our youngest members with a bonus on deposits and fun giveaways.
      • 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.

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

Not-For-Profit

Discover how DoverPhila's not-for-profit accounts empower your organization's mission.

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 their desires to show results for programming. For that reason, our not-for-profit 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).

Why choose DoverPhila for your not-for-profit?

Account Features:

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

Share (Savings)

Share (Savings) TypeDividend RateAPY*
Personal Share0.05%0.050%
Savers Club0.05%0.050%
DP's Kids Club0.05%0.050%

*APY = 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.
A $5.00 deposit is required to open a DoverPhila Federal Credit Union share account.
Rates listed effective as of October 1, 2024.

Money Market

Insured Money MarketsDividend RateAPY*
Insured Money Market (up to $2,499)0.05%0.050%
Insured Money Market ($2,500 minimum)1.75%1.766%
Insured Money Market ($50,000 minimum)2.25%2.275%
Insured Money Market ($100,000 minimum)2.75%2.788%
Insured Money Market ($250,000 minimum)3.25%3.303%

*APY = 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.
Rates listed effective as of October 1, 2024.
Not intended as tax advice. Please consult your financial and/or tax adviser.

Checking

CheckingDividend RateAPY*
Share Draft Personal Checking0.00%0.000%
Share Draft Business Checking0.00%0.000%

*APY = 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.
Rates listed effective as of October 1, 2024.

Health Savings Account

HSA CheckingDividend RateAPY*
$0.00 to $2,499.990.50%0.500%
$2,500.00 to $9,999.992.00%2.020%
$10,000.00 to $24,999.992.50%2.531%
$25,000.00 or above3.00%3.045%

*APY = 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.
Rates listed effective as of October 1, 2024.

Coverdell Passbook ESA

Passbook ESA BalanceDividend RateAPY*
Up to $2,4990.05%0.050%
$2,500 minimum1.75%1.766%
$50,000 minimum2.25%2.275%
$100,000 minimum2.75%2.788%
$250,000 minimum3.25%3.303%

*APY = 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.
Rates listed effective as of October 1, 2024.
Not intended as tax advice. Please consult your financial and/or tax adviser.

Coverdell Certificate ESA

Certificate ESA TermDividend RateAPY*
6 Month Certificate4.50%4.603%
12 Month Certificate4.25%4.341%
18 Month Certificate4.10%4.185%
24 Month Certificate3.80%3.873%
36 Month Certificate3.50%3.562%
48 Month Certificate3.25%3.303%
60 Month Certificate3.25%3.303%
72 Month Certificate3.25%3.303%

*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of October 30, 2024.
$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 Accounts

Certificate TermDividend RateAPY*
6 Month Certificate4.50%4.603%
12 Month Certificate4.25%4.341%
18 Month Certificate4.10%4.185%
24 Month Certificate3.80%3.873%
36 Month Certificate3.50%3.562%
48 Month Certificate3.25%3.303%
60 Month Certificate3.25%3.303%
72 Month Certificate3.25%3.303%

*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of October 30, 2024.
$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.

Passbook IRA

Passbook IRA BalanceDividend RateAPY*
Up to $2,4990.05%0.050%
$2,500 minimum1.75%1.766%
$50,000 minimum2.25%2.275%
$100,000 minimum2.75%2.788%
$250,000 minimum3.25%3.303%

*APY = 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.
Rates listed effective as of October 1, 2024.
Not intended as tax advice. Please consult your financial and/or tax adviser.

Certificate IRA

Certificate IRA TermDividend RateAPY*
6 Month Certificate4.50%4.603%
12 Month Certificate4.25%4.341%
18 Month Certificate4.10%4.185%
24 Month Certificate3.80%3.873%
36 Month Certificate3.50%3.562%
48 Month Certificate3.25%3.303%
60 Month Certificate3.25%3.303%
72 Month Certificate3.25%3.303%

*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of October 30, 2024.
$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.

Our 2024 United Way pledge-card campaign starts Monday, October 21, and wraps up on Saturday, November 9.

Stop by any DoverPhila location to donate!

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