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Keeping your best interest in mind.

When you need a loan, you want a competitive dividend rate that gives you the peace of mind that you’re not paying too much. When you’re building a savings, you want a great Annual Percentage Yield to grow your money. Whether you’re trying to contain costs or grow your balances, our rates help you make the most of your money.

Auto Loans

Credit Score: 730+

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month6.50%2019 - 2024$16.81
Cars, Trucks, Vans, and Motorcycles60 month7.50%2016 - 2018$20.04
Cars, Trucks, Vans, and Motorcycles48 month8.00%2015 - Older$24.41

Credit Score: 729-680

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month7.50%2019 - 2024$17.29

Credit Score: 679-640

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month8.50%2019 - 2024$17.78

Credit Score: 639-600

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month9.50%2019 - 2024$18.27

Credit Score: 599-550

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month11.50%2019 - 2024$19.29

Credit Score: 549 <

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month13.50%2019 - 2024$20.34

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.

Effective January 29, 2024 – rates are effective until further notice.

Collector Cars

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Collector Cars60 month8.00%All Years$20.28

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – rates are effective until further notice.

Recreational Loans

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
RVs, Campers, Boats120 month
72 month
48 month
8.00%
7.50%
7.00%
All Years$12.13
$17.29
$23.95
LoansTermAPR as low as*Monthly Pymt per $1,000 Borrowed
ATV, Mower, Snowmobiles, Trailer60 month max9.50%$21.00

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – rates are effective until further notice.

Personal Loans

LoansTermAPR as low as*Monthly Pymt per $1,000 Borrowed
Personal60 month max10.00%$21.25

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – rates are effective until further notice.

Checking

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

*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 January 29, 2024 – rates are effective until further notice.

Savings

SavingsDividend RateAPY*
Personal Savings0.05%0.050%
Savers Club Savings0.05%0.050%
DP's Kids Club Savings0.05%0.050%

*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 January 29, 2024 – rates are effective until further notice.

Money Market

Insured Money MarketsDividend RateAPY*
Insured Money Market (up to $2,499)0.05%0.050%
Insured Money Market ($2,500 minimum)2.25%2.275%
Insured Money Market ($50,000 minimum)2.50%2.531%
Insured Money Market ($100,000 minimum)3.00%3.045%
Insured Money Market ($250,000 minimum)3.25%3.303%

*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 January 29, 2024 – rates are effective until further notice.

Certificate IRA

Certificate IRA TermDividend RateAPY*
6 Month Certificate5.00%5.127%
12 Month Certificate4.80%4.917%
18 Month Certificate4.50%4.603%
24 Month Certificate4.20%4.289%
36 Month Certificate4.00%4.081%
48 Month Certificate4.00%4.081%
60 Month Certificate4.00%4.081%
72 Month Certificate4.00%4.081%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – 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.

Passbook IRA

Passbook IRA BalanceDividend RateAPY*
Up to $2,4990.05%0.050%
$2,500 minimum2.25%2.275%
$50,000 minimum2.50%2.531%
$100,000 minimum3.00%3.045%
$250,000 minimum3.25%3.303%

*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 January 29, 2024 – rates are effective until further notice.

Certificate Accounts

Certificate TermDividend RateAPY*
6 Month Certificate5.00%5.127%
12 Month Certificate4.80%4.917%
18 Month Certificate4.50%4.603%
24 Month Certificate4.20%4.289%
36 Month Certificate4.00%4.081%
48 Month Certificate4.00%4.081%
60 Month Certificate4.00%4.081%
72 Month Certificate4.00%4.081%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – rates are effective until further notice.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity.

Coverdell Certificate ESA

Certificate ESA TermDividend RateAPY*
6 Month Certificate5.00%5.127%
12 Month Certificate4.80%4.917%
18 Month Certificate4.50%4.603%
24 Month Certificate4.20%4.289%
36 Month Certificate4.00%4.081%
48 Month Certificate4.00%4.081%
60 Month Certificate4.00%4.081%
72 Month Certificate4.00%4.081%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – 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.

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%

*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 January 29, 2024 – rates are effective until further notice.

Auto Loans

Credit Score: 730+

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month6.50%2019 - 2024$16.81
Cars, Trucks, Vans, and Motorcycles60 month7.50%2016 - 2018$20.04
Cars, Trucks, Vans, and Motorcycles48 month8.00%2015 - Older$24.41

Credit Score: 729-680

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month7.50%2019 - 2024$17.29

Credit Score: 679-640

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month8.50%2019 - 2024$17.78

Credit Score: 639-600

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month9.50%2019 - 2024$18.27

Credit Score: 599-550

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month11.50%2019 - 2024$19.29

Credit Score: 549 <

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Cars, Trucks, Vans, and Motorcycles72 month13.50%2019 - 2024$20.34

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.

Effective January 29, 2024 – rates are effective until further notice.

Collector Cars

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
Collector Cars60 month8.00%All Years$20.28

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – rates are effective until further notice.

Recreational Loans

LoansTermAPR as low as*Model / YearMonthly Pymt per $1,000 Borrowed
RVs, Campers, Boats120 month
72 month
48 month
8.00%
7.50%
7.00%
All Years$12.13
$17.29
$23.95
LoansTermAPR as low as*Monthly Pymt per $1,000 Borrowed
ATV, Mower, Snowmobiles, Trailer60 month max9.50%$21.00

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – rates are effective until further notice.

Personal Loans

LoansTermAPR as low as*Monthly Pymt per $1,000 Borrowed
Personal60 month max10.00%$21.25

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – rates are effective until further notice.

Checking

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

*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 January 29, 2024 – rates are effective until further notice.

Savings

SavingsDividend RateAPY*
Personal Savings0.05%0.050%
Savers Club Savings0.05%0.050%
DP's Kids Club Savings0.05%0.050%

*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 January 29, 2024 – rates are effective until further notice.

Money Market

Insured Money MarketsDividend RateAPY*
Insured Money Market (up to $2,499)0.05%0.050%
Insured Money Market ($2,500 minimum)2.25%2.275%
Insured Money Market ($50,000 minimum)2.50%2.531%
Insured Money Market ($100,000 minimum)3.00%3.045%
Insured Money Market ($250,000 minimum)3.25%3.303%

*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 January 29, 2024 – rates are effective until further notice.

Certificate IRA

Certificate IRA TermDividend RateAPY*
6 Month Certificate5.00%5.127%
12 Month Certificate4.80%4.917%
18 Month Certificate4.50%4.603%
24 Month Certificate4.20%4.289%
36 Month Certificate4.00%4.081%
48 Month Certificate4.00%4.081%
60 Month Certificate4.00%4.081%
72 Month Certificate4.00%4.081%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – 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.

Passbook IRA

Passbook IRA BalanceDividend RateAPY*
Up to $2,4990.05%0.050%
$2,500 minimum2.25%2.275%
$50,000 minimum2.50%2.531%
$100,000 minimum3.00%3.045%
$250,000 minimum3.25%3.303%

*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 January 29, 2024 – rates are effective until further notice.

Certificate Accounts

Certificate TermDividend RateAPY*
6 Month Certificate5.00%5.127%
12 Month Certificate4.80%4.917%
18 Month Certificate4.50%4.603%
24 Month Certificate4.20%4.289%
36 Month Certificate4.00%4.081%
48 Month Certificate4.00%4.081%
60 Month Certificate4.00%4.081%
72 Month Certificate4.00%4.081%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – rates are effective until further notice.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity.

Coverdell Certificate ESA

Certificate ESA TermDividend RateAPY*
6 Month Certificate5.00%5.127%
12 Month Certificate4.80%4.917%
18 Month Certificate4.50%4.603%
24 Month Certificate4.20%4.289%
36 Month Certificate4.00%4.081%
48 Month Certificate4.00%4.081%
60 Month Certificate4.00%4.081%
72 Month Certificate4.00%4.081%

*Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 29, 2024 – 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.

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%

*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 January 29, 2024 – rates are effective until further notice.

A SIMPLE $5 DEPOSIT IS ALL IT TAKES.

Scams are on the rise and take many forms. DoverPhila would never call or text to ask for your account and debit card information. If you receive an unexpected call or a text from someone claiming to be from DoverPhila, please ask questions to verify that it is a representative. If you are unsure, call us at 330-364-8874 to confirm. Learn more at our Fraud Resource page. Learn more>>

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