Generated by All in One SEO v5.0.0.1, this is an llms.txt file, used by LLMs to index the site. # DoverPhila Federal Credit Union Our Members Get More ## Sitemaps - [XML Sitemap](https://www.dpfcu.org/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [DPFCU Post Archive](https://www.dpfcu.org/news/) - News - [Benefits of a DoverPhila Federal Credit Union Membership](https://www.dpfcu.org/news/2026/08/03/benefits-of-a-doverphila-federal-credit-union-membership/) - There are a multitude of options when it comes to how you bank. So why should you choose DoverPhila Federal Credit Union for all your financial needs? - [Your Mid-Year Money Checkup: 7 Smart Financial Moves to Make](https://www.dpfcu.org/news/2026/06/29/your-mid-year-money-checkup-7-smart-financial-moves-to-make/) - Give your finances a mid-year boost with 7 practical money moves to save more, reduce debt, review goals, and finish the year on a stronger financial footing. - [7 Ways to Enjoy Your Summer Vacation Without Overspending](https://www.dpfcu.org/news/2026/06/08/7-ways-to-enjoy-your-summer-vacation-without-overspending/) - A great summer vacation doesn't have to mean more debt. Plan ahead, set a budget, and enjoy your getaway while keeping your finances on track. - [DPFCU Donates $20k to Donation Station to Expand Local Food Access](https://www.dpfcu.org/news/2026/04/08/dpfcu-donates-20k-to-donation-station-to-expand-local-food-access/) - DoverPhila donates $20,000 to support the Tuscarawas Valley Farmers Market’s Donation Station to help distribute fresh produce to those in need. - [DoverPhila Celebrates Youth Week 2026](https://www.dpfcu.org/news/2026/04/08/doverphila-celebrates-youth-week-2026/) - From April 20th through April 25th, DoverPhila is proud to celebrate Youth Week - a fun way to encourage healthy saving habits among youth members. - [Tax Season Smarts: Refunds or Bills – What To Do](https://www.dpfcu.org/news/2026/02/20/tax-season-smarts-what-to-do-with-your-refund-or-your-bill/) - Tax season doesn’t have to be stressful. Learn smart ways to use a refund or manage a tax bill, build savings, reduce debt, and plan confidently year-round. - [DoverPhila Returns $2.6 Million to Members and Deepens Community Investment Across Tuscarawas County](https://www.dpfcu.org/news/2026/01/09/doverphila-returns-2-6-million-to-members-and-deepens-community-investment-across-tuscarawas-county/) - DoverPhila Federal Credit Union delivers more than $2.6 million in direct member giveback and meaningful investments across Tuscarawas County. - [DoverPhila Partners with Elan Charitable Giving Program to Contribute $10,000 to Beneath the Shade](https://www.dpfcu.org/news/2026/01/28/doverphila-partners-with-elan-charitable-giving-program-to-contribute-10000-to-beneath-the-shade/) - DoverPhila, in partnership with Elan Financial, awarded a $10,000 contribution to Beneath the Shade through the Elan Charitable Giving Program. - [DoverPhila Raises Over $37,000 to Support United Way](https://www.dpfcu.org/news/2025/11/25/doverphila-raises-over-37000-to-support-united-way/) - DoverPhila is proud to announce that, with the support of its members and staff, it has raised more than $37,000 for the United Way of Tuscarawas County. - [Financing Your Future: A Guide to College Costs](https://www.dpfcu.org/news/2025/10/31/financing-your-future-a-guide-to-college-costs/) - DoverPhila has tools and resources available to help you stay within your budget as you plan for college - even as higher education costs rise. - [DoverPhila Pledges $250K to Jack’s House of Hope in Honor of Former CEO](https://www.dpfcu.org/news/2025/09/19/doverphila-pledges-250k-to-jacks-house-of-hope-in-honor-of-former-ceo/) - DoverPhila pledges $250K over five years to support Jack’s House of Hope, aiding homeless services and honoring former CEO Dave Andreatta’s community legacy. - [Make Your Life Easier with Peer-to-Peer (P2P) Payments](https://www.dpfcu.org/news/2025/09/08/make-your-life-easier-with-peer-to-peer-p2p-payments/) - Learn more about P2P payments and how easy it is to digitally send money to friends and family right from the DoverPhila mobile banking app. - [Elder Fraud and Scams - Protecting Your Money](https://www.dpfcu.org/news/2025/08/05/protecting-your-money-a-focus-on-elder-fraud-scams/) - Learn how to recognize elder fraud scams and explore tips from DPFCU to help protect seniors’ finances through alerts, secure practices, and family support. - [Benefits of Digital Banking & How to Stay Safe](https://www.dpfcu.org/news/2025/06/27/benefits-of-digital-banking-how-to-stay-safe/) - Access your money anytime, anywhere with DoverPhila’s secure digital banking tools. Enjoy convenience, control, and peace of mind—right at your fingertips. - [Smart Financial Tips for Stress-Free Travel](https://www.dpfcu.org/news/2025/05/23/smart-financial-tips-for-stress-free-travel/) - Travel smarter this summer! Budget wisely, save on travel costs, and access your money anywhere with DoverPhila. Peace of mind makes every getaway better. - [New IDCheck for Shared Branching Transactions](https://www.dpfcu.org/news/2025/03/31/new-idcheck-for-shared-branching-transactions/) - Starting May 1, 2025, IDCheck will be required for out-of-state Shared Branching transactions to enhance security. Set up now at www.verify.coop.org. - [Switch to eStatements: Simplify and Secure Your Finances](https://www.dpfcu.org/news/2025/03/14/switch-to-estatements-simplify-and-secure-your-finances/) - Switch to eStatements for 24/7 access to financial documents and enhanced security —all with no cost to you! Enroll through online banking! - [Important Information About Tax Status of Credit Unions – and What It Means to You](https://www.dpfcu.org/news/2025/03/21/important-information-about-tax-status-of-credit-unions-and-what-it-means-to-you/) - Lawmakers propose a tax that impact credit unions and their members. Protect your benefits—and your community. Read more about this potential change. - [The Real Cost of Homeownership: What to Know Before You Buy](https://www.dpfcu.org/news/2025/03/14/the-real-cost-of-homeownership-what-to-know-before-you-buy/) - Get the full picture on the real cost of homeownership — down payments, mortgage fees, agent fees, and more. Plus, see if renting or owning is right for you! - [Beware of Savvy Money Scams](https://www.dpfcu.org/news/2025/01/10/beware-of-savvy-money-scams/) - Savvy money scams are on the rise because of new digital technology. Learn how to recognize these five common money scams and protect yourself in 2025. - [DoverPhila Expands ATM Network](https://www.dpfcu.org/news/2025/03/06/doverphila-expands-atm-network-2/) - DoverPhila Federal Credit Union joins the CO-OP ATM network, giving members access to 30,000+ surcharge-free ATMs worldwide, including new local locations! - [Smart Start: File Early & Maximize Your 2024 Tax Savings](https://www.dpfcu.org/news/2025/01/30/smart-start-file-early-maximize-your-2024-tax-savings/) - Get organized early for your 2024 taxes to reduce stress and file on time. Start now to ensure accuracy and maximize credits and deductions! - [DoverPhila's 2024 Community Impact](https://www.dpfcu.org/news/2025/01/06/doverphila-2024-community-impact/) - Our 2024 community impact marks our 30th consecutive year of giving back through year-end bonus dividend and contributions to community initiatives. - [DoverPhila & Members Support United Way with $26,000 Gift](https://www.dpfcu.org/news/2024/11/12/doverphila-federal-credit-union-raises-over-26000-to-support-united-way/) - DoverPhila's pledge-card campaign, a collaborative fundraising initiative between members and employees, raises $26,000+ for United Way of Tuscarawas County. - [Six Ways to Protect Yourself from Fraud](https://www.dpfcu.org/news/2024/10/04/six-ways-to-protect-yourself-from-fraud/) - 6 Ways to Protect Yourself from Fraud Keep hard copies of all credit and debit cards in a safe, secure place.Use double-authentication on all online banking transactions.Never click on any suspicious-looking links or download anything when you’re unfamiliar with the source.Don’t share sensitive information online unless you can absolutely verify the identity of the other - [All You Need to Know About Data Breaches](https://www.dpfcu.org/news/2024/09/30/all-you-need-to-know-about-data-breaches/) - Spoofing scams are on the rise. They use technology to mimic a website, email address, phone number, or sometimes people. Here are the red flags. - [What to Buy & What to Skip in October](https://www.dpfcu.org/news/2024/09/25/what-to-buy-what-to-skip-in-october/) - The holidays are inching closer, but that big shopping frenzy has not started yet. There are no big shopping holidays this month either, but you can still pick up a scary-good deal in October. Here is what to buy, and what to skip this month. BUY: JEANSThe September sales on jeans will get better in - [DoverPhila to Host Annual Boo Fest](https://www.dpfcu.org/news/2024/09/03/doverphila-to-host-annual-boo-fest/) - DoverPhila Federal Credit Union is thrilled to announce the return of its annual Boo Fest on Saturday, October 12th, from 5:30 p.m. to 7:30 p.m. This free community event promises an evening filled with Halloween fun for the entire family.This year’s Boo Fest will feature a variety of spooktacular activities, including trick-or-treating, face painting, potion - [Practical Budgeting Made Easy](https://www.dpfcu.org/news/2024/08/23/practical-budgeting-made-easy/) - With the right tools and information, building a budget can be quick and easy. Here’s how to create a simple and practical budget for the time-strapped consumer. Review your income and expenses.Most budgeting plans recommend tracking income and expenses for three months. If you’re pressed for time, though, you can choose to look at one - [Details on Overpayment Scams](https://www.dpfcu.org/news/2024/05/16/overpayment-scams/) - Overpayment scams are fairly common, and for the unaware, they can be difficult to spot. Here's what you need to know to avoid falling victim to these ruses. - [Don't Fall Victim to Spoofing Scams](https://www.dpfcu.org/news/2024/05/01/spoofing-scams/) - Spoofing scams are on the rise. They use technology to mimic a website, email address, phone number, or sometimes people. Here are the red flags. - [When a Bargain is Not a Bargain](https://www.dpfcu.org/news/2024/04/26/when-a-bargain-is-not-a-bargain/) - Not every bargain is a bargain. Unfortunately, it can be hard to spot the bogus bargains from genuine finds. Here are five times when a bargain is not one.When you had not planned to buy the item. If you find a new home speaker system marked down from $399 to $249, you just scored a - [Five Ways to Spring Clean Your Savings](https://www.dpfcu.org/news/2024/04/01/five-ways-to-spring-clean-your-savings/) - It is that time of year again: Time to clean out those closets, polish that furniture, and clear out that clutter! Spring is also the perfect time of year to review your saving habits and spruce up your saving goals. Here is how to spring-clean your savings in five simple steps.Assess your saving habits. First, - [DoverPhila's Youth Week Celebration!](https://www.dpfcu.org/news/2024/03/26/join-us-in-celebrating-youth/) - We’re celebrating Youth Week from April 22 until April 27.As a credit union, one of our founding principles concerns our community. We believe financially prepared youth is a way our community can become stronger. Unfortunately, financial literacy is a skill that too few are learning. We hope this week-long savings event will prompt healthy savings - [Introducing Debit Card Controls](https://www.dpfcu.org/news/2024/03/19/debit-card-controls/) - Introducing Debit Card Controls! This powerful new tool in our mobile banking app gives you greater control over your debit card, allowing you to set transaction limits, track spending habits, add cards to your digital wallet, and more.Our enhanced mobile banking app lets you safely control where your money goes. Saving you time and effort, - [Website Safety: Ways to Tell If a Website is Fraudulent](https://www.dpfcu.org/news/2024/02/26/ways-to-tell-if-a-website-is-safe/) - Scam websites are everywhere. Fortunately, with protective measures, you can easily avoid unsafe websites. Here are ways to tell if a website is safe. - [How to Save When You’re Barely Making It Through the Month](https://www.dpfcu.org/news/2024/03/07/how-to-save-when-youre-barely-making-it-through-the-month/) - Neglecting your savings when the going gets tough can make things even more difficult. Here is why you should continue saving through financially challenging times and practical steps for making it happen. - [Financially Responsible Ways to Use Your Tax Refund](https://www.dpfcu.org/news/2024/02/26/financially-responsible-ways-to-use-your-tax-refund/) - It’s tax refund season! How are you going to be spending the pile of cash that Uncle Sam’s giving back? Before you blow your refund on an expensive weekend, take a step back and try to determine the best approach you can take with this money. To help you get started, we have compiled this list - [Prepare for Tax Season](https://www.dpfcu.org/news/2024/02/21/prepare-for-tax-season/) - GATHER YOUR INFORMATIONThe first step in prepping for tax season is to gather all the necessary documents. Depending on your personal circumstances, these can include:W-2 forms1099 formsReceipts and invoicesMortgage and loan documentsInvestment statementsBusiness income and expensesOther miscellaneous income ORGANIZE YOUR FINANCESStore all your documents and receipts in a folder, binder, or digital file so you - [Beware of Romance Scams](https://www.dpfcu.org/news/2021/01/29/beware-of-romance-scams/) - America’s most expensive scam is on the rise. Romance scams are all over the internet and can be difficult to spot. Here’s what you need to know about these scams. HOW THE SCAM PLAYS OUT In a romance ruse, a scammer creates a bogus online profile and attempts to connect to singles on dating apps and - [DoverPhila Gives Back to Members & the Community](https://www.dpfcu.org/news/2024/01/22/doverphila-continues-to-give-back-to-its-members-and-the-community/) - Following another successful year, DoverPhila Federal Credit Union gave back a $400,000 year-end bonus dividend* to its members on January 1, 2024. This marks the 29th year in a row that the credit union returned significant earnings to its members.DoverPhila’s financial success was also shared with its members through other fiscal opportunities, such as low-cost - [DoverPhila Wraps Up Kindness Campaign](https://www.dpfcu.org/news/2024/01/22/doverphila-wraps-up-kindness-campaign/) - DoverPhila celebrated its 70th anniversary with a Kindness Campaign that encouraged giving back to the Tuscarawas County community.The Kindness Campaign kicked off in August 2023 with food trucks at all full-service locations. The campaign continued with volunteerism, giveaways, supply drives, sponsorships, donations, and more to show gratitude for the community’s support of DoverPhila Federal Credit - [Five Steps to Take After Being Hacked](https://www.dpfcu.org/news/2020/11/25/five-steps-to-take-after-being-hacked/) - Uh oh — you’ve been hacked! Finding out someone has cracked open your accounts and helped themselves to your information can be alarming, but there are ways to mitigate the damage while jump-starting your recovery process.Here are five steps to take after being hacked:Step 1: Assess the damage First, determine the damage. Unfortunately, one hacked password - [What to Do with Your First Paycheck](https://www.dpfcu.org/news/2020/12/17/what-to-do-with-your-first-paycheck-3pobx/) - WHAT TO DO WITH YOUR FIRST PAYCHECK As part of the changes you’re gearing up for in the months after you graduate, you’re poised to enter the working world as a long-term employee, perhaps for the first time in your life. As you prepare for this transition, you might have dollar signs dancing in your - [DoverPhila Prioritizes Members & Invests in Community](https://www.dpfcu.org/news/2021/01/22/doverphila-prioritizes-members-amp-invests-in-community/) - While 2020 was challenging in so many ways, it marked considerable community investment and product enhancement for DoverPhila Federal Credit Union as it continued to be a financial leader in Tuscarawas County while giving back to its members.Because of great financial results in 2020, the credit union gave back $1.65 million to its members through - [DoverPhila Marks 27th Year of Giving Back to Its Members](https://www.dpfcu.org/news/2022/01/17/doverphila-marks-27th-year-of-giving-back-to-its-members/) - 2021 was another significant year for DoverPhila Federal Credit Union, and because of great financial results, the credit union could give back $1.5 million to its members through a year-end bonus-dividend, low-cost auto loans, certificates of deposits (CDs) with higher interest rates, and a vast array of other financial products and services. This marks the - [Beware of Tax Filing Scams](https://www.dpfcu.org/news/2022/01/21/beware-of-tax-filing-scams/) - It’s tax time! Unfortunately, that means there are thousands of scammers looking to steal your information and your tax refund by posing as authentic tax preparers. Here’s all you need to know about these scams and how to keep safe. HOW THE SCAM PLAYS OUTIn a tax filing scam, a victim will hire an alleged - [Identity Theft: What to Know and How to Protect Yourself](https://www.dpfcu.org/news/2022/02/03/identity-theft-what-to-know-and-how-to-protect-yourself/) - We live in an increasingly digital world. As the number of online services has exploded, so have the tribes of fraudsters who are engaging in identity theft. Cyber thieves who access one’s personally identifiable information (PII) such as birthdate, Social Security number, home address, driver’s license number, passport number, and credit card or bank account - [Helpful Environmentally Friendly Tips for Saving on Heating Costs](https://www.dpfcu.org/news/2022/02/03/helpful-environmentally-friendly-tips-for-saving-on-heating-costs/) - As outside temperatures fall, indoor temps and heating costs go up! And this winter may come at a higher cost. In fact, while fueling up at the gas station, you’ve seen the impact of our 6.8% inflation rate first-hand. U.S. households on natural gas heat are expected to pay 25% more than last year. Homeowners - [How to Prepare Your Home for Spring](https://www.dpfcu.org/news/2022/03/29/how-to-prepare-your-home-for-spring/) - Winter is on its way out, so spring is on its way in. That means it is time to stop hibernating and get your home ready for the season! Here’s how to do that in just five easy steps: Step 1: CLEAN YOUR YARD Rake up all leaves, loose twigs, and anything else your yard - [$12,500 Donated to United Way of Tuscarawas County](https://www.dpfcu.org/news/2022/04/05/12500-donated-to-united-way-of-tuscarawas-county/) - DoverPhila Federal Credit Union partnered with Elan in their Across the Country Charitable Giving program to donate $12,500 to United Way of Tuscarawas County. The gift funded emergency utility assistance (natural gas, electricity, and fuel oil) to over 80 low-income households affecting over 240 individuals. Of Elan’s 250+ active credit union partners, 50 were randomly - [How to Boost Your Productivity at Work](https://www.dpfcu.org/news/2022/05/19/how-to-boost-your-productivity-at-work/) - Everyone wants to do their best at work, but you can sometimes stare at the same to-do list day after day after day. Here’s how to keep your productivity levels up at work. Start your day with the MITs Get your most crucial tasks done by separating the MITs (most important tasks) from the other - [How Can I Save on Entertainment Costs?](https://www.dpfcu.org/news/2022/05/19/how-can-i-save-on-entertainment-costs/) - With a bit of creativity and pre-planning, you can trim your recreation budget without feeling pinched. We’ve listed a variety of ways to save on entertainment costs. Attend amateur sporting events Instead of spending big on professional sporting events, get your fix at local high school or college games. You’ll get the same excitement and - [Five Easy Tips to Make the Most of Your Summer Travel](https://www.dpfcu.org/news/2022/05/26/five-easy-tips-to-make-the-most-of-your-summer-travel/) - Travel is finally back in full swing, something we can all be thankful for this year. While staycations and remote-working vacations have been all the rage since 2020, pre-pandemic vacationing is making a comeback in 2022. According to Booking.com, 60 percent of travelers from a 24,000-person survey claimed they are looking to meet new people - [What to Buy and What to Skip in July](https://www.dpfcu.org/news/2022/06/21/what-to-buy-and-what-to-skip-in-july/) - The days are still long and filled with sunshine. And though retailers would have you think otherwise, school is still a long way off. If you’re looking to save on some purchases this month, you can find lots of bargains around Independence Day weekend and beyond. Here’s what to buy and what to skip in - [What to Buy and What to Skip in August](https://www.dpfcu.org/news/2022/08/05/what-to-buy-and-what-to-skip-in-august/) - Independence Day sales are over and Labor Day is a month away, but you can still find great deals in August. Here’s what to buy and what to skip this month. Buy: Back-to-School Supplies Look for weekly deals on school and office supplies at big-box stores, pharmacies and e-tailers this month. Think beyond school—you can - [Cash, Credit, or Debit – How Should You Pay?](https://www.dpfcu.org/news/2022/08/05/cash-credit-or-debit-how-should-you-pay/) - When paying for everyday and occasional purchases, some purchases should be paid for with cash, some with a credit card, and others with a debit card. Let’s inspect each method and when you should use them.When should you use cash?Some retailers offer discounts for paying in cash, making it the wise go-to. Also, if you - [What to Buy and What to Skip in September](https://www.dpfcu.org/news/2022/08/19/what-to-buy-and-what-to-skip-in-september/) - Get ready for big savings on big-ticket items this September! Retailers want to bring the crowds back after the big back-to-school storm has passed, and to clear the shelves before the holiday season blows in. All that, plus the Labor Day sales, means big savings in September—but not on everything. Here’s what to buy and - [What to Buy and What to Skip in November](https://www.dpfcu.org/news/2022/10/25/what-to-buy-and-what-to-skip-in-november/) - The biggest shopping month of the year is here! Before you charge up a storm, though, remember that not all “Black Friday Deals” are really worthy of the label. Here’s what to buy and what to skip in November. Buy: Headphones & Audio GearTune into your favorite holiday jams with a pair of state-of-the-art headphones bought - [How to Budget in Times of Inflation](https://www.dpfcu.org/news/2022/11/22/how-to-budget-in-times-of-inflation/) - Sticking to a budget during times of high inflation is challenging—but not impossible. Here are five ways to help make it happen:Plan Your Grocery PurchasesFirst, shop your pantry and fridge before hitting the store. You may not remember what you have at home, so a quick scan can help you stick to purchasing only what - [What to Buy and What to Skip in December](https://www.dpfcu.org/news/2022/11/22/what-to-buy-and-what-to-skip-in-december/) - Whether you’re finishing up your holiday shopping or looking for year-end bargains in any category this month, here’s what to buy and what to skip in December. Buy: ElectronicsLots of retailers keep the leftovers from November’s sales marked down through December. Look for discounted electronics at big box stores, online retailers, and directly from manufacturers.Skip: Winter - [DoverPhila Celebrates 70 Years with Kindness Campaign](https://www.dpfcu.org/news/2023/07/31/doverphila-celebrates-70-years-with-kindness-campaign/) - DoverPhila Federal Credit Union is celebrating 70 years of service with a Kindness Campaign scheduled for August 1st until the end of the year. The campaign aligns with the credit union’s philosophy of “people helping people.”Nearly 100 credit union employees are volunteering their time throughout the Tuscarawas County community by working at the local food - [Join Us for Youth Week!](https://www.dpfcu.org/news/2023/03/27/join-us-for-youth-week-unleash-the-power-of-saving-at-your-credit-union/) - Financial literacy is a critical component of financial wellness. It is the ability to understand and use financial skills, including responsible money management, budgeting, saving and investing for the future, and is a crucial life skill that too few are learning.As a credit union, one of our founding principles concerns our community. We believe financially - [Last-Minute Holiday Hacks](https://www.dpfcu.org/news/2022/11/22/last-minute-holiday-hacks/) - The holidays are nipping at your heels and there’s still a lot to do! It probably seems like your stress levels keep rising while the money in your wallet keeps dwindling. It doesn’t have to be this way. With a bit of planning, you can enjoy a stress-free and affordable holiday season. Not buying what - [What to Buy and What to Skip in January](https://www.dpfcu.org/news/2022/12/19/what-to-buy-and-what-to-skip-in-january/) - January begins with a bang, but there are no major shopping holidays once the new year begins. Of course, you can still pick up great bargains this month or find that you’ve overpaid for something when its price drops right after you’ve purchased it. Here’s what to buy and what to skip in January.Buy: Winter - [The Post-Holiday Guide to Budget Recovery](https://www.dpfcu.org/news/2023/01/03/the-post-holiday-budget-recovery-guide/) - The holidays are in the rearview, but if you’ve gone over budget with your spending, it’s time to deal with the aftermath, which is coming head-on. Here’s how you can get your budget back on track.Review your holiday spendingHow much debt did this season’s spending set you back? Spend some time crunching the numbers, so - [Does Good Debt Exist?](https://www.dpfcu.org/news/2023/05/03/does-good-debt-exist/) - Despite its bad rap, not all debt is bad debt. Some are actually beneficial for the debtor and considered “good debt.” Here’s a look at the factors defining good debt, the various types of good debt, and how to keep debt from going bad. WHAT IS GOOD DEBT? Good debt helps you build wealth or - [Not So Great Popular Money Tips](https://www.dpfcu.org/news/2023/07/06/not-so-great-popular-money-tips/) - Money tips can be helpful, but it’s important to remember that not all advice is created equal. Let’s look at three common money tips that aren’t as great as their claim. 1: The latte factor.The claim: Cutting out your daily latte will solve all your money problems.The truth: Trimming discretionary expenses will only impact your - [Holiday Budgeting 101](https://www.dpfcu.org/news/2023/11/02/holiday-budgeting-101/) - It’s easy to get caught up in the magic of holiday spending. But if you rely on credit to make holiday wishes a reality, the magic often falls flat when your bills come due. Take the time to create a holiday budget and avoid a post-holiday spending hangover.BE REALISTICSetting a realistic but firm budget is - [Best Practices for Using a Credit Card](https://www.dpfcu.org/news/2023/11/02/best-practices-for-using-a-credit-card/) - By adequately managing a credit card, you can earn rewards and build your credit score while making regular purchases.GET THE RIGHT CARDThe first step to best using a credit card is to get the right one. That means doing your research. It would help if you considered your spending habits and priorities regarding rewards. Are - [Should You Use Cash, Debit, or Credit While Traveling?](https://www.dpfcu.org/news/2023/10/10/should-you-use-cash-debit-or-credit-while-traveling/) - Traveling doesn’t come cheap, and part of keeping your finances intact during vacation includes knowing the best way to pay for your purchases during your getaway. Should you primarily use cash, debit, or credit cards?Let’s look at the pros and cons of each choice so you can make an informed decision during your vacation.USING CASH - [Beware of Third-Party App Scams](https://www.dpfcu.org/news/2023/10/10/beware-of-third-party-app-scams/) - Everyone loves the convenience of payment apps – and scammers do, too.Scammers are experts at hijacking our favorite conveniences for their schemes, and third-party app scams are no exception. Let’s look at scams that con the victim into downloading a bogus payment app and how to protect yourself.HOW THESE SCAMS PLAY OUTVictims of third-party app - [Debt Collection Scam](https://www.dpfcu.org/news/2023/10/09/debt-collection-scam/) - Debt-collection scams exploit the feelings of helplessness and overwhelm to lure victims. Let’s look at these scams and how to avoid falling victim.HOW THE SCAMS PLAY OUTIn a debt-collection scam, a scammer posing as a debt collector will call a victim to demand payment for an outstanding debt. The caller insists on a specific means - [Beware of Phantom Hacker Scam](https://www.dpfcu.org/news/2023/10/09/beware-of-phantom-hacker-scam/) - According to the FBI, a Phantom Hacker Scam tricks people by using pop-ups, text, or email to get the person’s attention, then claims to be from a legitimate agency. They then warn the person that their financial information has been hacked. The pop-up, text, or email indicate they must talk to protect their device and - [Your Complete Guide to a Spend-Free Summer Weekend](https://www.dpfcu.org/news/2023/07/07/spend-free-summer-weekend/) - Between flip-flops and baseball, beach days and the Fourth of July, there’s much to love about summer! Unfortunately, the warmest season can be expensive. A great way to combat a swollen summer budget is to take a financial fast on a summer weekend—or several of them. Here’s how. Plan ahead.Your spend-free weekend won’t happen without - [How to Dispute an Error on Your Credit Report](https://www.dpfcu.org/news/2020/01/31/how-to-dispute-an-error-on-your-credit-report/) - As a financially responsible individual, you should be checking your credit on a regular basis. If all goes well, your credit card statements and report hold no surprises. Sometimes, though, you may find a mistake. When this happens, you’ll need to officially dispute the error to fix your score. Credit Report Mistakes Most credit report - [Tips for Empty Nesters Downsizing](https://www.dpfcu.org/news/2021/03/12/tips-for-empty-nesters-downsizing/) - Quiet. Calm. Clean. And empty. These are just some words that may come to mind when your youngest kiddo leaves the nest. No stray sneakers cluttering up the foyer. No trail of school papers. You may even get the TV remote to yourself! Now that the house has emptied, though, it’s time to sift through - [How Can You Replenish a Savings Account That’s Been Wiped Clean?](https://www.dpfcu.org/news/2020/07/31/how-can-you-replenish-a-savings-account-thats-been-wiped-clean/) - Using emergency funds to survive prolonged unemployment, an unexpected large expense, or a medical emergency is the best way to make it through financial hardship. If your savings are depleted, though, it's best to start rebuilding as soon as possible. Here’s how: SET A GOAL Before getting started on saving up money, establish a tangible - [Money and Mental Health](https://www.dpfcu.org/news/2023/05/03/money-and-mental-health/) - For many, mentioning the word “money” sparks stress and anxiety. At the same time, living a financially responsible life can help one maintain optimal mental health. With May being Mental Health Awareness Month, this is the perfect time to examine the connection between money and mental health. HOW DO FINANCIAL STRUGGLES IMPACT MENTAL HEALTH? There - [Step 12 of 12 to Financial Wellness – Review & Tweak](https://www.dpfcu.org/news/2022/12/08/step-12-of-12-to-financial-wellness-review-tweak/) - Congratulations! You’ve reached the 12th and final step of the 12 steps to financial wellness. Here, we’ll review the previous actions and adjust this part of your financial health plan as necessary. Step 1: Track your spendingAre you regularly tracking your spending? Knowing where your money is going will help you make more responsible spending decisions - [Diversify Your Savings Portfolio](https://www.dpfcu.org/news/2023/02/10/diversify-your-savings-portfolio/) - You should diversify your savings portfolio just like your investments. Financial experts recommend giving your savings as much chance as growth as possible. Here’s a look at a great choice for diversifying your savings: a certificate account.What is a certificate account?A certificate account is an insured savings account with a fixed dividend rate and a - [IRA UPDATES](https://www.dpfcu.org/news/2020/05/13/ira-updates/) - Both the SECURE Act, passed in December 2019, and the CARES Act, passed in March 2020, have affected significant changes for both Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs). While the SECURE Act provided the most comprehensive retirement reform package in over a decade and its provisions are permanent changes, the CARES Act - [All You Need to Know About Credit Card Fraud & How to Protect Yourself](https://www.dpfcu.org/news/2023/01/18/all-you-need-to-know-about-credit-card-fraud-how-to-protect-yourself/) - With the advent of online commerce, credit and debit card fraud has exploded. Unfortunately, credit card fraud can go unnoticed until it causes severe damage. Here, we’ve outlined what you need to know about credit and debit card fraud, how to protect yourself, and what to do when you’re targeted.What is credit card fraud?Credit and - [Don't Get Caught in a Pre-Approval Scam](https://www.dpfcu.org/news/2022/09/19/dont-get-caught-in-a-fake-lottery-scam/) - You’ve got mail! And the good news keeps coming, because you’ve been pre-approved for a large loan—maybe even a mortgage! Yes, you! It’s a dream come true—until it turns into a living nightmare. Here’s what you need to know about preapproval scams and how to stay safe.How the scams play outIn a preapproval scam, a target - [Step 11 of 12 to Financial Wellness – Start Investing](https://www.dpfcu.org/news/2022/12/08/step-11-of-12-to-financial-wellness-start-investing/) - The world of investing can be confusing, especially for a first-timer. No worries, though; DoverPhila Federal Credit Union can help! Here’s how to invest in five easy steps. Step 1: Define your tolerance for risk If you’re investing, be prepared for potential losses because there are no sure things. But how much loss can you take? Your - [Step 9 of 12 of Financial Wellness—Build & Maintain Excellent Credit Score](https://www.dpfcu.org/news/2022/10/25/12-steps-to-financial-wellness-step-9-build-and-mantain-excellent-credit-score/) - Your credit score is vital to your financial health. This number measures your money management skills, credit capacity and fiscal responsibility. An excellent credit score can open the door to large loans and with better interest rates, as well as employment opportunities and more. Let’s explore the best ways to build and maintain an excellent credit - [Step 10 of 12 to Financial Wellness – Plan for Retirement](https://www.dpfcu.org/news/2022/10/25/step-10-of-12-of-financial-wellness-plan-for-retirement/) - It’s never too early—or too late—to plan for your retirement. However, the more time you allow for your savings to grow, the bigger the nest egg you’ll have when it’s time to cash in. Here’s how to get started on planning your retirement.Set a Target NumberFirst, determine how much you’ll need to have saved for living - [12 Steps to Financial Wellness Step 8: Know When & How to Indulge](https://www.dpfcu.org/news/2022/09/19/12-steps-to-financial-wellness-step-7-how-to-pay-yourself-first-2/) - Living a life of financial wellness means being happy with a lifestyle that’s within your means, but doesn’t leave you feeling like you’re lacking. At the same time, financial wellness means discipline governs money choices and not by emotion. So how do you balance the two?Here’s how to indulge responsibly. Live with a BudgetTo do this, - [Beware of Digital Kidnapping](https://www.dpfcu.org/news/2022/08/19/beware-of-digital-kidnapping/) - Digital kidnapping happens when a scammer takes control of a victim’s social media profiles and holds it for ransom. It can also involve “kidnapping” photos that are posted on social media pages. Here’s what you need to know about digital kidnapping. How the Scams Play OutIn a digital kidnapping scam, a hacker takes control of one - [Financial Lessons You Can Learn from Fantasy Football](https://www.dpfcu.org/news/2022/08/19/financial-lessons-you-can-learn-from-fantasy-football/) - With summer winding down and autumn creeping in, are you ready for some fantasy football? Fantasy football is so much more than an addictive hobby! Fantasy football can teach you financial lessons for life. Do Your ResearchKnowing which NFL players to “draft” to your team on your league’s draft day is crucial. If you sail into - [Don’t Get Caught in a Fake Lottery Scam](https://www.dpfcu.org/news/2022/08/05/7-simple-ways-to-spot-of-survey-scam/) - Everyone dreams of winning the lottery, but scammers can turn that dream into an absolute nightmare. Here’s all you need to know about fake lottery scams. How the Scams Play OutIn a fake lottery scam, a scammer reaches out to a potential target by phone, email, or social media message to inform them they’ve won a - [7 Simple Ways to Spot of Survey Scam](https://www.dpfcu.org/news/2022/07/08/8-simple-ways-to-spot-of-survey-scam/) - Survey scams are almost as old as the internet. Spend just an hour online and there’s a good chance you’ll be running into an ad for a “super quick” survey promising big money or prizes for just a few minutes of your time. What actually happens, though, is that the scammer walks away with a free - [12 Steps to Financial Wellness Step 7: How to Pay Yourself First](https://www.dpfcu.org/news/2022/07/08/12-steps-to-financial-wellness-step-7-how-to-pay-yourself-first/) - “Pay yourself first” is a catchphrase that refers to prioritizing your personal savings above other expenses. To achieve it, savings should be a fixed line on your budget that happens every month without fail. Here’s how to pay yourself first. Review Your SpendingTake a clear look at your spending. If you already have a budget, this will - [12 Steps to Financial Wellness Step 6: Pay it Forward](https://www.dpfcu.org/news/2022/06/21/12-steps-to-financial-wellness-step-6-pay-it-forward/) - There’s so much good you can do with the money you’ve been blessed to have. There’s also a lot of good you can do with your time, talents, and possessions. Let’s explore some ways you can make the world better by paying it forward. Donate funds to your favorite causeThe classic and simplest way to pay - [12 Steps to Financial Wellness Step 4: Have the Money Talk with Your Partner](https://www.dpfcu.org/news/2022/05/19/12-steps-to-financial-wellness-step-4-have-the-money-talk-with-your-partner/) - Communicating openly about how you manage your money is a big part of having an honest and trusting relationship. Here, we’ve compiled six tips to help guide you in this super-important conversation.1: Plan in advanceBroach the topic with your partner a few days before you want to have the “Big Money Talk” and ask if - [12 Steps to Financial Wellness Step 5: Practice Mindful Spending](https://www.dpfcu.org/news/2022/06/21/12-steps-to-financial-wellness-step-5-practice-mindful-spending/) - Creating and deciding to stick to a budget is easy; actually carrying through on your plan is the hard part. For many people, a big part of the gap between what they want to do and what they actually do is caused by their failure to spend mindfully. When every buy is just a swipe - [12 Steps to Financial Wellness-Step 1: How to Track Your Spending](https://www.dpfcu.org/news/2022/02/03/12-steps-to-financial-wellness-step-1-how-to-track-your-spending/) - Tracking your spending is the first step toward greater financial awareness and overall financial health. But, mastering this skill is easier said than done. How can you track every dollar you spend when you make multiple daily purchases? We’ve outlined how to track your spending in 3 easy steps. 1. Choose your tools. Tracing every - [Step 3 of 12 to Financial Wellness: Pay Down Debt](https://www.dpfcu.org/news/2022/05/19/step-3-of-12-to-financial-wellness-pay-down-debt/) - You’ve tracked your spending, designed a budget for your monthly expenses, and you’re on a path to financial wellness. In this next step, you’ll create a plan for paying down debt. Consumer debt can be one of the biggest challenges to financial wellness. With some intentional action and commitment, reaching true financial wellness is possible. - [Beware of Job Scams](https://www.dpfcu.org/news/2022/05/19/beware-of-job-scams/) - It’s an amazing employment opportunity–or is it? Scammers often hijack the job market to ensnare job seekers. Here’s what to know about these scams. How the scams play out There are several variations in job scams. Here are the most common: Bogus job listing. There’s a Help Wanted ad for a dream job. The eager job-seeker - [Step 2 of 12 to Financial Wellness: Creating a Budget](https://www.dpfcu.org/news/2022/03/18/step-2-of-12-to-financial-wellness-creating-a-budget/) - Now that you’ve tracked your spending and kept a careful record of where your money goes over the course of a month, you’re ready to move onto the next financial wellness step: creating a budget. Budgets play a crucial role in promoting financial awareness, which leads to more responsible money choices. Let’s look at how - [The Best Way to Spend Your Paycheck](https://www.dpfcu.org/news/2022/05/13/the-best-way-to-spend-your-paycheck/) - Everyone loves payday, but too many employees don’t know how to allocate their paycheck in a way that best serves their financial needs. Use the tips outlined below to learn how to manage your paycheck responsibly. Automatically Deduct Contributions Your first step in managing your paycheck is making sure you are deducting the optimal amounts. - [Join DoverPhila in Celebrating Youth – “Save Small. Dream Big.”](https://www.dpfcu.org/news/2022/03/29/join-doverphila-in-celebrating-youth-save-small-dream-big/) - Financial literacy is a crucial life skill for young people, but it is one that too few are learning. As a credit union, one of our founding principles is concern for community. We believe financially prepared youth is one way communities get stronger, and that is why from April 18 through April 23, DoverPhila Federal - [Tips for ATM Safety](https://www.dpfcu.org/news/2022/02/03/tips-for-atm-safety/) - Using a compromised ATM can mean risking identity theft and/or having cash stolen. With this simple machine, all it takes is a few short minutes for a victim’s life to meet disaster. Here are tips to help you keep your ATM transactions secure. Keep your PIN private. Don’t share it with anyone and don’t write - [New Year, New Money Habits: How to Stick With It in 2022](https://www.dpfcu.org/news/2021/12/17/new-year-new-money-habits-how-to-stick-with-it-in-2022/) - Spend less, save more, pay down debt — how can you make 2022 the year you actually stick to these and other financial resolutions? To help answer that, we’ve compiled a list of tips. Set Measurable Goals Don’t just resolve to be better with money this year. Set realistic, measurable goals to help you stay - [What You Need to Know About Buying a House in the Winter](https://www.dpfcu.org/news/2022/01/14/what-you-need-to-know-about-buying-a-house-in-the-winter/) - Spring and summer are, by far, the most popular seasons for house-hunting. But that shouldn’t stop you from looking for your dream home in the middle of winter. Though icy driveways and snowed-out open houses can be less than thrilling, there are surprising benefits to purchasing a home during the coldest time of year. Let’s - [Your Complete Year-End Financial Checklist](https://www.dpfcu.org/news/2021/11/30/your-complete-year-end-financial-checklist/) - As 2021 draws to a close, take a moment to go through this year-end financial checklist to ensure your finances are in order before the start of the New Year. REVIEW YOUR BUDGET Is your current monthly budget working for you? Are you stretching some spending categories or finishing each month in the red? Take - [What to Expect for Holiday Shopping 2021](https://www.dpfcu.org/news/2021/11/12/what-to-expect-for-holiday-shopping-2021/) - The holidays are coming and it’s time to hit the shops! Unfortunately, suppliers are cautioning us to expect supply shortages, shipping delays, and higher price tags. Here’s what to expect during this holiday shopping season. Supply Shortages Seen any empty store shelves recently? Suppliers are struggling to stay ahead of shopper demands while catching up - [Five Ways to Prepare for Your College Graduation](https://www.dpfcu.org/news/2021/02/26/five-ways-to-prepare-for-your-college-graduation/) - After four years of late-night cramming sessions, a grueling class schedule, and too many term papers to count, the big day is finally within sight. Graduation! You can hardly wait to toss your cap into the air and start making your mark in the big wide world.As you count down toward graduation, don’t forget to - [Can Missing Rent Impact Your Credit Score?](https://www.dpfcu.org/news/2021/03/10/can-missing-rent-impact-your-credit-score/) - You might be one of the many Americans who are worried about making rent or possibly under the threat of being evicted. You also may be wondering how this process can impact your credit scores.While an eviction itself won't end up on your credit report, not paying your rent on time can negatively impact your credit - [What’s the Best Way to Use a Home Equity Loan](https://www.dpfcu.org/news/2020/10/22/whats-the-best-way-to-use-a-home-equity-loan/) - With interest rates falling and home prices rising, it might be a good time to use your home’s equity. A home equity loan, or HEL, can be an ideal way to source extra funds during a falling-rates environment. If approved, you’ll receive the funds in one lump sum within a few days. There are no - [More Reasons to be a Member of DoverPhila](https://www.dpfcu.org/news/2020/09/11/more-reasons-to-be-a-member-of-doverphila/) - Your credit union membership is about the trust and care of community, built around where you live, work, and play. That’s why a DoverPhila Federal Credit Union membership saves you money through exclusive member-only offers through our trusted partners.Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:Savings up to $15 on - [Are You Ready to Buy a House?](https://www.dpfcu.org/news/2020/07/17/are-you-ready-to-buy-a-house/) - It’s normal to feel hesitant about going through with what may be the biggest purchase of your life. To help put you at ease, we’ve compiled a list of questions to ask yourself before buying a new home.Can I afford to buy a house?Before viewing properties, remember that purchasing a home costs more than just - [Financing a Home Renovation with a Home Equity Loan](https://www.dpfcu.org/news/2020/05/01/financing-a-home-renovation-with-a-home-equity-loan/) - As a member of DoverPhila Federal Credit Union, you have several options for funding a home renovation. You can open a HELOC, or a Home Equity Line of Credit, which is an open credit line that’s secured by your home’s value for up to 10 years. You can also fund your renovations with an unsecured - [Message from President and CEO](https://www.dpfcu.org/news/2020/03/19/message-from-president-and-ceo/) - We recognize the trust you place in us and the important role we have in your financial life. Keeping a close eye on the developments both nationally and locally related to the COVID-19 epidemic, we understand this is a difficult time for everyone in our community. Let me first assure you, DoverPhila will not close - [COVID-19 ANNOUNCEMENT](https://www.dpfcu.org/news/2020/03/13/covid-19-announcement/) - DoverPhila is monitoring the guidance of the Centers for Disease Control and Prevention (CDC) as well as other public health announcements with respect to COVID-19 (coronavirus). As this is an evolving situation, adjustments will be made as new or revised guidance is provided by public health authorities. Our branches remain open with normal business hours, but - [Scam Update: Unemployment Fraud](https://www.dpfcu.org/news/2021/02/04/scam-update-unemployment-fraud/) - IDENTITY THEFTThroughout the COVID-19 pandemic, scammers have been stealing personal information from individuals and then filing and claiming unemployment benefits in that individual’s name. Victims of these unemployment scams are often just now learning about this identity theft, as unemployment agencies are sending tax forms (1099-G) for income tax filing.If you received a 1099-G tax - [Secret Sister: An Illegal Pyramid Scheme](https://www.dpfcu.org/news/2020/12/11/secret-sister-an-illegal-pyramid-scheme/) - How it plays out:The “Secret Sister” gift exchange seems like a fun way to spread cheer within the social media-verse, but it’s actually an illegal pyramid scheme, according to the U.S. Postal Inspection Service (USPIS).Akin to old-timey chain letters, the Secret Sister gift exchange asks participants to buy a gift of at least $10 value - [COVID-19 Scams: Updates & Reminders](https://www.dpfcu.org/news/2020/12/01/covid-19-scams-updates-amp-reminders/) - ECONOMIC IMPACT PAYMENT SCAMS – TEXTScammers are texting taxpayers and trying to trick them into disclosing bank account information or other personal identifying information under the guise of receiving an Economic Impact Payment. The scam text message states: “You have received a direct deposit of $1,200 from COVID-19 TREAS FUND. Further action is required to accept - [Beware of Debt-Collection Scams](https://www.dpfcu.org/news/2020/11/13/beware-of-debt-collection-scams/) - Don’t be the next victim of a debt-collection scam! Here’s all you need to know about these scams:HOW THE SCAMS PLAY OUT In a debt-collection scam, a caller claiming to represent a debt-collection agency demands immediate payment for an alleged outstanding debt. The caller insists on specific means of payment and may threaten to tell - [Beware the Pending Package Scam](https://www.dpfcu.org/news/2020/10/16/beware-the-pending-package-scam/) - Everyone loves a surprise package, and scammers are taking the excitement out of that experience by using bogus packages as a cover for a nefarious scam that tricks victims into sharing personal information.Here’s all you need to know about the pending package scam:How the scam plays outIn the pending package scam, the victim receives a - [How Can You Protect Yourself from Payment-App Scams](https://www.dpfcu.org/news/2020/08/28/how-can-you-protect-yourself-from-payment-app-scams/) - Payment apps allow users to send payments to almost anyone, making it easy to split the tab at a shared meal, buy a present for a mutual friend, and quickly pay back a small loan. Unfortunately, though, scammers are using these apps to cheat people out of their money.Here’s all you need to know about - [Social Media & Cyber-Scams](https://www.dpfcu.org/news/2020/06/19/social-media-amp-cyber-scams/) - Fake Grant ScamsScammers are hacking into people’s Facebook accounts and are messaging their friends and family claiming they are eligible for free grants. The message may come from a newly-acquired friend, a family member, or even a long-time friend, and details information on free grant money from the government. The message may reference others, specifically those already - [Updated Scam Information: Unemployment Scams & Jobseeker Scams](https://www.dpfcu.org/news/2020/06/01/updated-scam-information-unemployment-scams-amp-jobseeker-scams/) - With unemployment skyrocketing due to the pandemic, scammers are trolling for your personal information to steal your benefits and identity. Learn how to spot them and how to stay safe!UNEMPLOYMENT SCAMSScammers file unemployment claims in someone else’s name to collect benefits, or they claim to be employed at businesses where they have never held jobs. - [Protect Yourself From COVID-19 Vaccine Scams](https://www.dpfcu.org/news/2021/01/08/protect-yourself-from-covid-19-vaccine-scams/) - As vaccine distribution begins across the country, scammers will be tagging right along. Here’s what you need to know to avoid a vaccine-related scam:You cannot pay to put your name on a list to get the vaccine.You cannot pay to get early access to the vaccine.No one from a vaccine distribution site or health care payer - [How to Recognize and Protect Yourself from Scams](https://www.dpfcu.org/news/2019/12/20/how-to-recognize-and-protect-yourself-from-scams/) - Scammers always try to con victims out of their information and money. They also tend to prey on the most susceptible victims, including those who are down on their luck or are exceptionally naïve and trusting.DoverPhila Federal Credit Union’s biggest priority is your financial wellness, and that includes keeping you and your money safe. We’ve - [Six Ways to Spot at Payday Loan Scam](https://www.dpfcu.org/news/2019/10/29/six-ways-to-spot-at-payday-loan-scam/) - Payday loan scams may seem like old news, but they’re more common than ever.In these scams, a “representative” of a collection agency who claims to be acting on behalf of a loan company tells victims they must pay their outstanding balance on a payday loan. Unfortunately, the caller is a scammer trying to rip them - [Seven Ways to Avoid Getting Scammed on Craigslist](https://www.dpfcu.org/news/2019/05/29/seven-ways-to-avoid-getting-scammed-on-craigslist/) - The arrival of warm weather and the deep house cleaning it inspires means more people are selling their old furniture, devices, sports equipment, and clothing. That’s why the amount of items like these on sites like Craigslist swells considerably during this season. There are wonderful treasures to be found, if you have the time and - [Beware of Tech Support Scams](https://www.dpfcu.org/news/2019/04/22/beware-of-tech-support-scams/) - Is your computer on the brink? Careful who you contact to fix it! That’s because the FTC is warning of a surge in tech support scams, many of which can be difficult to spot. In a recent widespread scam, a company that called itself Elite IT Partners, Inc., purchased keywords on Google so they showed up - [Common Scams to Watch for After the Holidays](https://www.dpfcu.org/news/2019/01/24/common-scams-to-watch-for-after-the-holidays/) - The mad holiday rush may be over, but scammers aren’t slowing down. The post-holiday weeks bring an increase in scams that, unfortunately, are quite believable during this time of year. Don’t be the victim of a post-holiday scam!Read on to learn about the common ways fraudsters seek to dupe consumers after the holidays:Gift-picking. You may be - [Putting Your Affairs in Order](https://www.dpfcu.org/news/2020/02/13/putting-your-affairs-in-order/) - Putting your financial affairs in order is overwhelming! It’s very wise and helpful to create an advance plan for the distribution of your assets upon your death. This will create a protocol and ensure your preferences are carried out in the event of a medical catastrophe.Fortunately, this is not as overwhelming as it seems. Here - [DoverPhila Federal Credit Union Celebrates Youth Week](https://www.dpfcu.org/news/2021/03/09/youth-week-2021/) - Financial literacy is a crucial life skill for young people, but it is one that too few are learning. As a credit union, one of our founding principles is concern for community. We believe financially prepared kids are one way communities get stronger and that is why from April 19th — April 24th, DoverPhila Federal - [DoverPhila Donating $25,000 to COVID-19 Community Response Fund](https://www.dpfcu.org/news/2020/03/30/doverphila-donating-25000-to-covid-19-community-response-fund/) - DoverPhila Federal Credit Union is partnering with the United Way of Tuscarawas County to provide funds during the coronavirus (COVID-19) crisis. On Thursday, March 26, the credit union’s Board of Directors approved a $25,000 donation to fund United Way’s COVID-19 community-response fund. The fund will be used to help residents of Tuscarawas County with various - [DoverPhila Federal Credit Union Continues to Give Back](https://www.dpfcu.org/news/2019/12/20/doverphila-federal-credit-union-continues-to-give-back/) - Following another very successful year at DoverPhila Federal Credit Union, the credit union was able to give back a $1.5 million year-end bonus dividend to its members. This marks the 25th consecutive year that DoverPhila returns earnings back to its members. The credit union is a community-focused, financial cooperative controlled by its members making it possible - [DoverPhila Wants to Help Your Kids Find Money Magic!](https://www.dpfcu.org/news/2020/04/10/doverphila-wants-to-help-your-kids-find-money-magic/) - As more Americans seek financial guidance and more credit unions begin to offer services like financial counseling, it’s essential to consider initiatives that also educate young members.If parents have trouble managing money, you can imagine that it’s going to be even more challenging for them to have conversations about money with their kids. DoverPhila Federal - [DoverPhila Celebrates Youth Members](https://www.dpfcu.org/news/2019/03/26/doverphila-celebrates-youth-members/) - We often look at pictures to remember the past, but what about the future? If you ask your children, they can likely picture a future they would like to live in. Some dream to become doctors and help people, others want to be known for their talents. For children and teenagers, the future brings limitless - [Should You Refinance to a 15-Year Mortgage?](https://www.dpfcu.org/news/2021/04/08/should-you-refinance-to-a-15-year-mortgage/) - With mortgage rates falling, many homeowners are rushing to refinance their 30-year mortgages into 15-year loans. Borrowers may be wondering if this is a financially sound move to make for their own mortgage.We’ve researched it and worked out the numbers for you so you can make a responsible, informed choice.When refinancing can be a good - [What You Didn’t Know About Home Loans?](https://www.dpfcu.org/news/2021/04/08/what-you-didnt-know-about-home-loans/) - If you’re in the market for a new house, learn all you can about home loans before going too far into the process.Here are some things you may not know about home loans:Rates fluctuateIf you’re looking for a new home, you may be checking mortgage rates as often as some people check their Twitter feeds, - [What to Do with Your First Paycheck](https://www.dpfcu.org/news/2021/03/25/what-to-do-with-your-first-paycheck/) - What to Do with Your First PaycheckAs part of the changes you’re gearing up for in the months after you graduate, you’re poised to enter the working world as a long-term employee, perhaps for the first time in your life. As you prepare for this transition, you might have dollar signs dancing in your head - [Preparing Financially for a New Baby](https://www.dpfcu.org/news/2021/03/04/preparing-financially-for-a-new-baby/) - Congratulations! You’re expecting a baby and you’re breathless with excitement — and nerves. A baby means big changes, and a part of those changes is lots of new expenses. How will you pay for it all?We’ve got the tips you need to prepare financially for a new baby.Pay down debtDon’t let your debt grow along - [How to Celebrate Valentine’s Day on a Budget](https://www.dpfcu.org/news/2021/02/12/how-to-celebrate-valentines-day-on-a-budget/) - Here’s how to enjoy a romantic evening with your partner without going into debt:Work with a budgetWe know your partner means the world to you, but that doesn’t mean you need to spend the world proving it. Designate a budget for all your Valentine’s Day expenses — and stick to it!Use a sales appYou know - [What You Need to Know About Today’s Real Estate Market](https://www.dpfcu.org/news/2021/01/15/what-you-need-to-know-about-todays-real-estate-market/) - Trends and stats in real estate are constantly changing, especially during the unstable economy of COVID-19. Here’s what you need about the real estate market today.Is it a buyer’s market now? Pickings are slim for homebuyers right now, giving sellers the upper hand and driving up prices for buyers. Low supply also means homes are on - [Tracking Holiday Spending Keeps Season Stress Down](https://www.dpfcu.org/news/2020/12/04/tracking-holiday-spending-keeps-season-stress-down/) - The holidays will look different this year because of the COVID-19 pandemic, which is why most people will try harder to make the season brighter. But you don’t have to dip into the kids’ college savings to create a special time!The most important thing to remember is a plan with a set spending amount for - [Managing Holiday Expenses](https://www.dpfcu.org/news/2020/11/20/managing-holiday-expenses/) - It’s supposed to be the most wonderful time of the year; but for many, the holidays can be an expensive time. From gifts to decorations to wrapping paper to special events, it’s easy to overspend and possibly even go into debt paying for all the extras.In 2019, Forbes reported on a Gallop poll showing Americans - [How to Celebrate Thanksgiving During COVID-19](https://www.dpfcu.org/news/2020/11/06/how-to-celebrate-thanksgiving-during-covid-19/) - It’s turkey season! Here’s how to celebrate Thanksgiving 2020 without compromising the health and safety of you and your guests.PLANNING A THANKSGIVING DINNERIf you’ll be hosting an in-person Thanksgiving dinner this year, take steps to ensure your day is as safe as possible.First, consider hosting it outside. Moving Thanksgiving dinner outdoors reduces spreading coronavirus, according - [Can You Celebrate Halloween Safely this Year?](https://www.dpfcu.org/news/2020/10/23/can-you-celebrate-halloween-safely-this-year/) - How to safely celebrate Halloween is a question frightening Halloween-lovers all over the globe. But, with some precautions, Halloween can still be a frightfully fun day for the entire family. Here’s how:Should I take my family trick-or-treating this year? According to many medical health professionals, the answer depends on where you live.“In an area where there’s - [When Does It Make Sense to Pay a Bill with a Credit Card](https://www.dpfcu.org/news/2020/10/02/when-does-it-make-sense-to-pay-a-bill-with-a-credit-card/) - Credit cards and debit cards offer incredible convenience; but, is it a smart idea to pay monthly bills with them?Choosing to pay a bill with a card can have a significant impact on your general financial wellness. It’s important to consider the many variables of this decision before going ahead with it.Let’s inspect the pros - [The Beginner’s Guide to Filling Out a W-4](https://www.dpfcu.org/news/2020/09/24/the-beginners-guide-to-filling-out-a-w-4/) - It's no secret that the IRS excels at making things complicated. And when you're busy learning the ropes of a new job, trying to fill out a 4-page W-4 form can be a huge hassle. It's not a good idea to rush through it, though, because a small mistake now can mean withholding too much - [The Back-to-School Guide for These Unconventional Times](https://www.dpfcu.org/news/2020/08/14/the-back-to-school-guide-for-these-unconventional-times/) - This year, back-to-school season is all about getting ready for a school year that promises to be unlike any other.Here’s our guide to helping your child prepare for the new school year in these unconventional times.Talk to your child about what to expectThe more your child knows about the dynamics of the upcoming school year, - [Complete Guide to Using Credit Cards](https://www.dpfcu.org/news/2020/08/07/complete-guide-to-using-credit-cards/) - Using credit cards responsibly is a great way to boost credit score and financial wellness. Unfortunately, though, credit-card issuers make it challenging to stay ahead of monthly payments and easy to fall into debt with credit-card purchases. No worries, though; DoverPhila Federal Credit Union is here to help!Here is what you need to know about - [Understanding the Mortgage Process](https://www.dpfcu.org/news/2020/07/24/understanding-the-mortgage-process/) - Most would agree – home ownership is part of the American Dream. According to Bankrate, a recent “Consumer Mortgage Understanding Study” conducted by Fannie Mae showed that 91% of more than 3,600 respondents prefer owning a home to renting, but are still largely unaware when it comes to home-buying basics.Securing a mortgage is often part - [Why Does Credit Score Matter?](https://www.dpfcu.org/news/2020/07/03/why-does-credit-score-matter/) - Your credit score is an indicator of your financial wellness and responsibility. We have outlined how credit scores are calculated, why it matters, and steps to take to improve your score.How is my credit score calculated?The three major credit bureaus in the U.S. collect and share information on a person’s credit usage with potential lenders - [Is It a Good Idea to Open a HELOC Now?](https://www.dpfcu.org/news/2020/06/26/is-it-a-good-idea-to-open-a-heloc-now/) - If you’re looking to fund a home improvement project, or the economic devastation of COVID-19 has left you in need of cash, consider tapping into your home’s equity with a home equity line of credit, or a HELOC. WHAT IS A HELOC?A HELOC is a revolving credit line allowing homeowners to borrow money against the - [The Importance of Financial Literacy in a Crisis](https://www.dpfcu.org/news/2020/05/29/the-importance-of-financial-literacy-in-a-crisis/) - The COVID-19 crisis has caused income loss, uncertainties, and an increase in fraudulent attacks throughout Ohio and nationwide. Smart money management is more important than ever, but studies show that Americans are falling behind in financial literacy. While the U.S. is the world’s largest economy, Investment News reported it as ranking only 14th for financial - [How to Care for Your Car at Home](https://www.dpfcu.org/news/2020/05/08/how-to-care-for-your-car-at-home/) - With shelter-in-place orders still in place, millions of cars are sitting motionless in garages and driveways across the country. While staying home is the best way to stay safe these days, it might not be the best thing for your car.David Bennett, manager for repair systems at AAA, says cars do not need any major - [Help! I Overspent on Christmas!](https://www.dpfcu.org/news/2020/01/24/help-i-overspent-on-christmas/) - It’s easy to go overboard for Christmas. Giving extravagant gifts to your family members seems like a great idea … until you’re facing a huge credit card bill in January.However, it happened, approach this problem rationally. Blaming yourself is pointless; the important thing now is to right yourself financially.Fortunately, you’re not facing this alone. DoverPhila - [Eight Ways to Beat Holiday Stress](https://www.dpfcu.org/news/2019/12/13/eight-ways-to-beat-holiday-stress/) - ‘Tis the season to be merry-except sometimes, it’s not. If you tend to feel stressed when the holidays roll around, here are eight tips to help turn that frown upside down. 1. Watch the buck Nothing kills the holiday cheer like a mountain of debt. Stick to a budget when doing your holiday shopping and - [What to Buy and What to Skip on Memorial Day](https://www.dpfcu.org/news/2019/05/14/what-to-buy-and-what-to-skip-on-memorial-day/) - Since 1971, Memorial Day has been celebrated as an extended weekend away from work and the unofficial start of summer. More recently, Memorial Day has also turned into a second Black Friday for retailers and shoppers. There are loads of sale events in stores and online, and each guarantees to save you heaps of money. - [What to Buy and What to Skip This Black Friday](https://www.dpfcu.org/news/2019/11/22/what-to-buy-and-what-to-skip-this-black-friday/) - It’s the bargain-hunter’s favorite season-or is it? Before you brave the crowds Black Friday, take a few minutes to read through our list of what to buy and what to skip so you come home only with true bargains.Skip: Large Home AppliancesWhile you may find markdowns on large household appliances, like dishwashers and refrigerators, on - [Seven Ways to Save on Thanksgiving Costs](https://www.dpfcu.org/news/2019/11/08/seven-ways-to-save-on-thanksgiving-costs/) - Thanksgiving means giving thanks for all the good in our lives. It also means stuffed turkey and gravy, cranberry sauce, pie and mashed potatoes. It’s a time-honored tradition of spending time enjoying a delectable holiday meal while in the company of those we love. It can also mean spending an awful lot of money. Between - [Can I Trust Credit Karma?](https://www.dpfcu.org/news/2019/10/11/can-i-trust-credit-karma/) - Q: I’m trying to increase my credit score ahead of applying for a large loan, so I’m considering signing up for Credit Karma to track my score. How accurate are the credit scores it shares? Is there anything I need to be aware of before signing up for this service?A: Credit Karma is a legitimate company; however, - [DIY Halloween Décor](https://www.dpfcu.org/news/2019/09/20/diy-halloween-dcor/) - Don’t blow big bucks on your Halloween décor when you can DIY for a fraction of the price! Check out our list of creative, fun and inexpensive projects to make your home the spookiest haunt on the block.1. The mummified door.Turn your front door into a bona fide mummy with toilet paper and masking tape. - [Last Licks of Summer: A Labor Day Vacation Without the Traffic or Expense](https://www.dpfcu.org/news/2019/08/23/last-licks-of-summer-a-labor-day-vacation-without-the-traffic-or-expense/) - If you don’t believe that the grass is always greener on the other side of town, consider this: Most Americans don’t know what’s in their own backyards. People often pile into cars to go “away” while cars piled with other vacationers are pulling into the very town they’re leaving.Tourists often know more about the local - [Couples and Money: Truth or Friction?](https://www.dpfcu.org/news/2019/08/16/couples-and-money-truth-or-friction/) - Money is one of the most sensitive topics couples face. Disagreement over spending and saving habits is one of the most frequent causes of friction in a relationship. Truthful, frank discussion and mutual financial planning can go a long way to resolve the tension.BUDGET: A DIRTY WORD?Does the mere mention of a budget start your - [Elder Abuse—Do You Know the Signs and How to Help?](https://www.dpfcu.org/news/2019/06/18/elder-abusedo-you-know-the-signs-and-how-to-help/) - Ohioans may not have a clear grasp of the prevalence of financial exploitation and abuse of elderly adults. According to an Ohio Credit Union League 2019 consumer survey, 67 percent of Ohioans say they’ve never known an elderly person who has been the victim of some kind of elderly abuse. Elder abuse refers to any - [The Credit Union Difference Part 2: What’s in a Membership?](https://www.dpfcu.org/news/2019/07/15/the-credit-union-difference-part-2-whats-in-a-membership/) - As a member of DoverPhila Federal Credit Union, you are uniquely positioned to manage your finances and watch your money grow on the best possible terms. Like the member of an elite club, you are entitled to exclusive privileges and individualized service, courtesy of your credit union. Let’s take a quick look at some of - [The Credit Union Difference Part 1: The History of Credit Unions](https://www.dpfcu.org/news/2019/06/12/the-credit-union-difference-part-1-the-history-of-credit-unions/) - As a member of DoverPhila Federal Credit Union, you know credit unions are always striving to serve their members and community in much as possible. We value each member’s input as an equal owner in the credit union, and we offer flexible loan terms, low-cost accounts, and higher dividends to help members achieve and maintain financial - [Reasons to Not Skip a Home Inspection](https://www.dpfcu.org/news/2019/02/04/seven-reasons-to-not-skip-a-home-inspection/) - Shopping for a new home can be an exciting blur of listings, neighborhood scouting and open houses. There’s so much to consider! You want a house in the perfect neighborhood with that gorgeous kitchen and great yard, all within your budget. And then, it all finally comes together and you think you’ve found your dream - [DoverPhila Scheduled to Present Financial Education Programs at Local Libraries](https://www.dpfcu.org/news/2020/09/02/doverphila-scheduled-to-present-financial-education-programs-at-local-libraries/) - DoverPhila Federal Credit Union is partnering with Dover Public Library and Tuscarawas County Public Library System to present a series of financial education programs.On Saturday, September 26th at 2:30pm, the credit union’s Finances 101 program will be available in the Dover Public Library’s parking lot. Finances 101 is a financial education program geared towards teens - [IRS Reveals List of Dirty Dozen Tax Scams for 2020](https://www.dpfcu.org/news/2020/08/21/irs-reveals-list-of-dirty-dozen-tax-scams-for-2020/) - Each year, the IRS publishes the "Dirty Dozen," a list of tax scams most prevalent during that year's tax season. This year, with COVID-19 pushing off the federal tax deadline to July 15, the IRS held off publishing the list until early July, and of course, it's loaded with COVID-19-related scams.Whether you've filed for an - [Federal Reserve Suspends Six-Limit Transfer on Savings Accounts](https://www.dpfcu.org/news/2020/05/22/federal-reserve-suspends-six-limit-transfer-on-savings-accounts/) - The Federal Reserve Board has no plans at this time to re-impose transfer limits between savings and checking accounts under Regulation D. Federal Regulation D is a federal law that limits certain withdrawals or transfers to six per month from a savings or money market account. In April 2020, an interim final rule was made - [DoverPhila Partners with Area Organization to Host Annual Kids’ Day Event](https://www.dpfcu.org/news/2019/07/01/doverphila-partners-with-area-organization-to-host-annual-kids-day-event/) - Mark your calendars for DoverPhila Federal Credit Union’s annual DP’s Kids Club Day. The family-fun event is scheduled for Saturday, August 3rd from 10:00 a.m. to 1:00 p.m. at the credit union’s main office on Fillmore Avenue in Dover. The credit union is partnering with area organizations such as Tuscarawas County YMCA, Tuscarawas County Public - [DoverPhila Presents Master Your Money Series with Area Organizations](https://www.dpfcu.org/news/2019/08/09/doverphila-presents-master-your-money-series-with-area-organizations/) - DoverPhila Federal Credit Union is partnering with OhioMeansJobs Tuscarawas County and the United Way of Tuscarawas County, Inc. to host “Master Your Money: Four-Part Series.”“Master Your Money” is a financial workshop that focuses on introducing easy, straightforward methods to help individuals reach their financial goals. The workshop is scheduled for August and September at OhioMeansJobs - [DoverPhila Offers Holiday Skip-A-Pay to Qualified Members](https://www.dpfcu.org/news/2019/12/02/doverphila-offers-holiday-skip-a-pay-to-qualified-members/) - DoverPhila Federal Credit Union’s Holiday Skip-A-Pay has started and runs until the end of January 2020. You might qualify for this opportunity if you have made at least twelve full monthly payments on your loan, you have not exceeded the maximum skips allowed, and your account is in good standing.Holiday Sip-A-Pay allowance is determined by - [DoverPhila Set to Host Annual Video Game Tournament](https://www.dpfcu.org/news/2019/05/07/doverphila-set-to-host-annual-video-game-tournament/) - DoverPhila Federal Credit Union is partnering with Park Place Teen Center and the GameStop located on Bluebell Drive in New Philadelphia to host the 2019 Video Game Tournament on Friday, May 31st. The free event kicks off at 3:45PM at Park Place Teen Center located in Tuscora Park and is open to all area youth - [Simple Steps to Start Saving](https://www.dpfcu.org/news/2021/03/19/simple-steps-to-start-saving/) - If you’re ready to save but you don’t know where to begin, DoverPhila Federal Credit Union can help.Step 1: Set a goal What’s your secret (or not-so-secret) financial dream? Do you want to open your own business? Explore the Australian Outback? Buy a boat?What are your long-term financial goals? Do you want to retire before - [Five Reasons We Overspend (and How to Overcome Them)](https://www.dpfcu.org/news/2021/02/19/five-reasons-we-overspend-and-how-to-overcome-them/) - What makes us overspend? Let’s look at five common reasons and how we can overcome them. 1. To keep up with the JonesesWhen people who seem to be in the same financial bracket as us can afford another pair of designer shoes for each outfit, we should be able to afford them, too, right?Break the cycle: Learn - [Five Ways to Trim Your Fixed Expenses](https://www.dpfcu.org/news/2020/10/09/five-ways-to-trim-your-fixed-expenses/) - When trying to trim a monthly budget, most people don’t even consider their fixed expenses; however, with just a bit of effort and research, most of these costs can be reduced.1. Consider a refinanceTrim your mortgage payments by refinancing at a lower interest rate. It will cost a bit, but you can roll closing costs - [Good Ideas, Bad for Credit: How Your Responsible Choices Can Hurt Your Credit Score](https://www.dpfcu.org/news/2020/09/18/good-ideas-bad-for-credit-how-your-responsible-choices-can-hurt-your-credit-score/) - Credit scores can affect you more than you know. Employers look at credit scores. Landlords look at credit scores. Bill providers look at credit scores, and they might decide to charge you if yours gets too low.With all this pressure, you’ve no doubt started working on some good habits for improving your credit score. You - [Snowball Method vs. Avalanche Method: Which is the Best Way to Tackle Debt?](https://www.dpfcu.org/news/2020/07/10/snowball-method-vs-avalanche-method-which-is-the-best-way-to-tackle-debt/) - Getting rid of debt isn’t easy, but if you’re ready to do what it takes, you can shake off any amount of debt.Let’s take a look at two popular approaches for paying down debt and explore the pros and cons of each. The debt snowball methodThis approach involves focusing on paying off the smallest debt - [How to Dispute and Pay for Large Medical Bills](https://www.dpfcu.org/news/2020/06/11/how-to-dispute-and-pay-for-large-medical-bills/) - Astronomical medical bills can be devastating to any budget. Here’s how to dispute and pay for large medical bills in five easy steps.Step 1: Review your bills.Typically, you’ll receive an Explanation of Benefits (EOB) from your insurance company in addition to the actual bill telling you how much you’re responsible for paying. It’s important to - [Six Ways to Keep Your Finances Intact this Holiday Season](https://www.dpfcu.org/news/2019/11/15/six-ways-to-keep-your-finances-intact-this-holiday-season/) - ‘Tis the season to shop until you drop – or until you go broke. But you don’t have to overspend. There’s no need to rack up a huge credit card bill or go into debt just to cover your holiday expenses. Enjoy a stress-free season by keeping your spending in check with these six tips:1. - [Combating the Financial Mistakes of Our 20s and 30s](https://www.dpfcu.org/news/2019/10/18/combating-the-financial-mistakes-of-our-20s-and-30s/) - People starting out in their careers often focus on the here and now while ignoring the future when it comes to finances. As you climb the ladder of success, you tend to think that the raises and promotions will endlessly continue. It can seem like you have forever to plan for the future.As millions of - [Retail Therapy](https://www.dpfcu.org/news/2019/09/27/retail-therapy/) - Although you may feel that you have your spending habits under control, people do tend to spend for emotional reasons. Some people spend to feel better, to get rid of a feeling of loneliness, or to forget about whatever it is that’s bothering them. Alternatively, some people like to spend money when they feel good - [Seven Steps to a Mid-Year Financial Check-Up](https://www.dpfcu.org/news/2019/07/24/seven-steps-to-a-mid-year-financial-check-up/) - It feels like you just packed away the holiday decorations yesterday, but believe it or not, 2019 is already half over. As we sail into the season of barbecues and beaches, take a few minutes to give yourself a mid-year financial checkup. A small investment of time can spur important changes that can affect your - [Five Ways to Pay Off a Loan Early](https://www.dpfcu.org/news/2019/03/21/five-ways-to-pay-off-a-loan-early/) - If you’re like most Americans, you owe money toward a large loan. Whether that means carrying thousands of dollars in credit card debt, having a hefty mortgage in your name, or making car loan payments each month – loan debt is part of your life. It can all get kind of depressing—but it doesn’t have - [Rebuilding an Emergency Fund](https://www.dpfcu.org/news/2019/03/14/rebuilding-an-emergency-fund/) - All the best financial experts agree that you need to keep an emergency fund. Keeping three to five months of living expenses in a savings account, certificate account, or investment account can be the difference between a temporary hardship and a lifelong debt trap. Using that money instead of credit cards or short-term loans is - [Cash Flow Budgeting: A Fast, Flexible Way to Fix Your Finances](https://www.dpfcu.org/news/2019/02/22/cash-flow-budgeting-a-fast-flexible-way-to-fix-your-finances/) - You’ve heard it from a million places: Budget your money! Make a firm plan and stick with it. It’s the pathway to prosperity!For many people, though, that advice just doesn’t resonate. They feel constricted by a budget. Keeping cash in separate envelopes makes them feel like they can’t have a life. It takes too much planning and too - [Sticking to Financial Resolutions](https://www.dpfcu.org/news/2019/02/11/sticking-to-financial-resolutions/) - Ohioans, like most Americans, entered 2019 hoping to better their finances, but many have likely already fallen off track. In an Ohio Credit Union League 2019 consumer survey, 69 percent said their New Year’s resolution was to get on a budget. That statistic isn’t surprising; many Americans looked critically at their financial situations as they - [The Best Time to Buy a Car](https://www.dpfcu.org/news/2017/06/16/the-best-time-to-buy-a-car/) - Did you know that shopping at the right time can boost your chances of getting a really good car deal? Dealerships and individual salespeople have quotas to meet, so purchasing a vehicle during the last few days of a month, in late summer and early fall, or even around a major holiday like Christmas can - [Social Security in Your Lifetime – Maybe Not](https://www.dpfcu.org/news/2017/05/03/social-security-in-your-lifetime-maybe-not/) - By the year 2033, Social Security's reserve trust funds could be exhausted. Though people disagree about when the money will run dry and how to avoid it – it could happen in your lifetime. You can prepare for it by starting now.IRAs (Individual Retirement Accounts) offer young workers the opportunity to potentially receive higher benefits - [Your Life Goals, Are Our Life Goals](https://www.dpfcu.org/news/2017/04/17/your-life-goals-are-our-life-goals/) - If there’s ever a time that "millennials" need cooperatives, it's now. The last ten years have been quite transformational for this generation of young adults. Younger millennials just graduating college likely saw their parents lose jobs, benefits, and pensions while bank executives lost nothing. According to a study by Filene Research Institute, millennials make about as - [Shop Smart and Save This Back-to-School Season](https://www.dpfcu.org/news/2017/07/17/shop-smart-and-save-this-back-to-school-season/) - It is getting to be that time of year when most families are thinking about purchasing school supplies for the upcoming year. Back-to-school shopping is the second-largest consumer spending category after holiday shopping, according to statistics from the National Retail Federation and Research Now. An additional survey conducted by Deloitte found that 32 percent of - [DoverPhila Encourages Youth to Give a Hoot About Saving](https://www.dpfcu.org/news/2017/04/04/doverphila-encourages-youth-to-give-a-hoot-about-saving/) - Financial literacy is a crucial life skill for young people, but it is one that too few are learning. As a credit union, one of our founding principles is concern for community. We believe that financially-prepared kids is one way communities get stronger and that is why from April 17th – April 22nd, DoverPhila Federal - [Enhance Your Online Experience](https://www.dpfcu.org/news/2017/03/16/enhance-your-online-experience/) - Imagine that you’re on vacation in the Florida Keys and you come across the most angelic speed boat. It’s the boat you have been searching years for and it’s at an impeccable price. But of course, you’re on vacation – hundreds of miles away from your credit union. What do you do? Eric Peters, a - [The RAIN Method for Buying a Car](https://www.dpfcu.org/news/2017/02/09/the-rain-method-for-buying-a-car/) - The average cost of a new vehicle today is around $30,000. Whether you desire the shiny, brand-new ride or if you are content with a reliable used car, you still want to get the most for your money. The actual process of finding, researching, financing, and buying a car does not need to be scary - [DoverPhila Continues to Give Back While Enhancing Products and Services](https://www.dpfcu.org/news/2017/01/10/doverphila-continues-to-gives-back-while-enhancing-products-and-services/) - As another successful year comes to an end, DoverPhila Federal Credit Union continues to strive in the financial industry. This is apparent through its ability to give back to its members while also building community.DoverPhila was able to give back $1.1 million to its members in the form of bonus dividends and interest rebates. It - [DoverPhila Gives Back to the Community through Various Donations](https://www.dpfcu.org/news/2017/01/05/doverphila-gives-back-to-the-community-through-various-donations/) - DoverPhila Federal Credit Union has always strived to give back to its members, and that attitude is apparent with recent contributions made to area organizations. The credit union donated $2,500 to Trinity Hospital Twin City in Dennison for equipment to aid in the expansion of its cardiac unit. Other donations include $400 to the New - [New Year, New You, New Budget](https://www.dpfcu.org/news/2018/01/12/new-year-new-you-new-budget/) - Just like swearing off chocolate and carbs, sticking to a household budget is a New Year’s resolution easier made than accomplished. In fact, according to the National Foundation for Credit Counseling’s 2017 Consumer Financial Literacy Survey, last year only two in five U.S. adults said they had a budget and kept close track of their - [Do You Know the Credit Union Difference?](https://www.dpfcu.org/news/2017/10/13/do-you-know-the-credit-union-difference/) - Credit unions help consumers reach their financial dreams through its people helping people philosophy. Respondents in a 2017 Consumer Survey don by the Ohio Credit Union League were asked what they found to be the most significant difference between credit unions and other financial institutions. Here were the results:35% of respondents: lower interest rates on - [Six Rules for Managing Credit Card Debt](https://www.dpfcu.org/news/2017/09/07/six-rules-for-managing-credit-card-debt/) - If you want to be the master of your credit card debt load, follow these key rules: 1. Take inventory. How many credit cards do you have? What's the balance and minimum monthly payment on each? What's the total balance? If it is more than you thought or can afford, then it is time to cut - [DoverPhila Offering Award-Winning Financial Literacy Program for Free](https://www.dpfcu.org/news/2018/02/09/doverphila-offering-award-winning-financial-literacy-program-for-free/) - Area residents are getting a free education in how to manage their money. DoverPhila Federal Credit Union is working with Banzai, a national award-winning financial literacy program, to make the curriculum available to the community and 10 schools in Tuscarawas County, completely free."Banzai is a web-based financial literacy program. Kids have their own bank accounts, - [DoverPhila Introduces New Products While Continuing to Give Back](https://www.dpfcu.org/news/2017/12/29/doverphila-introduces-new-products-while-continuing-to-give-back/) - DoverPhila Federal Credit Union continues to strive in the financial industry while giving back as it wraps up another successful year.The credit union was able to give back $1.2 million to its members. DoverPhila is a community-focused, financial cooperative controlled by its members making it possible for it to reward its members with a bonus - [Everything You Want to Know about Bitcoin (…But Were Afraid to Google)](https://www.dpfcu.org/news/2017/12/29/everything-you-want-to-know-about-bitcoin-but-were-afraid-to-google/) - What is Bitcoin?Bitcoin is a form of money that is entirely digital. The U.S. has dollars, Europe has Euros and the internet has bitcoins. The fact that bitcoin is digital isn’t all that interesting – because, in reality, an estimated 92% of all money is digital. Bitcoin is fascinating because it’s decentralized. That means no - [Surviving the Holidays with Your Sanity Intact](https://www.dpfcu.org/news/2017/12/14/surviving-the-holidays-with-your-sanity-intact/) - With crowded stores and an ever-growing list of people to shop for, it’s easy to get overwhelmed and to overspend on your holiday shopping. No worries, though; we’ve got you covered! Read on for pre-and post-holiday tips and have yourself a jolly December without breaking the bank. 6 Pre-Holidays Tips1. Revise your gift listChances are, lots - [Credit Union Collects Over $30,000 for United Way](https://www.dpfcu.org/news/2017/12/08/credit-union-collects-over-30000-for-united-way/) - DoverPhila Federal Credit Union collected over $30,000 for United Way through its annual in-house campaign involving corporate, employees, and credit union members.The United Way campaign started on Monday, October 23rd and concluded on Saturday, November 11th. Credit union members who participated in the campaign received a pledge card that hung in the lobbies of each - [DoverPhila Partners with Area Organizations to Promote Financial Literacy](https://www.dpfcu.org/news/2017/11/29/doverphila-partners-with-area-organizations-to-promote-financial-literacy/) - OhioMeansJobs Tuscarawas County, United Way of Tuscarawas County, Inc., and DoverPhila Federal Credit Union are partnering to offer a financial literacy workshop for area residents. “Master Your Money – Simple Tips to Improve Cash Flow” will be held Tuesday, December 5th, 10:00AM to 12:00PM at OhioMeansJobs Tuscarawas County at 1260 Monroe Street in New Philadelphia. The workshop - [How Do Merchant Data Breaches Affect Your Identity?](https://www.dpfcu.org/news/2017/11/17/how-do-merchant-data-breaches-affect-your-identity/) - Every year millions of Americans become victims of fraud due to merchant data breaches. And, with the recent Equifax breach, which affected 145.5 million people, chances are your information has been compromised. Although most consumers have probably only heard about a few breaches, more than 1,100 data security breaches have occurred thus far this year exposing - [DoverPhila Wins Times-Reporter 2017 Readers’ Choice Awards](https://www.dpfcu.org/news/2017/11/01/doverphila-wins-times-reporter-2017-readers-choice-awards/) - DoverPhila Federal Credit Union is pleased to announce that it has won first place in the Best Bank, Best Mortgage Lender, Best Financial Services, and Best Financial Institution categories for the Times-Reporter 2017 Readers’ Choice Awards.There roughly 3,000 registered voters and over 170,000 total votes during the Readers’ Choice Awards’ voting process. DoverPhila Federal Credit - [Avoid the Payday Lending Trap](https://www.dpfcu.org/news/2017/08/16/avoid-the-payday-lending-trap-1/) - Here is the scenario: you are in a financial bind and need some quick cash. You saw payday loan stores all over town and think “maybe I should try that…” Do not fall into that trap! Getting a loan with a payday lender could send you down a deep hole that may take years to get - [Update On Recent Fraudulent Activity](https://www.dpfcu.org/news/2018/03/05/update-on-recent-fraudulent-activity/) - DoverPhila Members: Upon further investigation, it is apparent a skimmer was installed on the ATM at our New Philadelphia branch. The estimated exposure window for debit cards is February 22, 2018 through February 25, 2018. As a precaution, we checked our other ATM locations and they are free of any external devices. If you suspect - [Do You Still Need a Landline?](https://www.dpfcu.org/news/2018/11/02/do-you-still-need-a-landline/) - Your landline – should you or shouldn’t you get rid of it? If you’re feeling like your landline has got to go, you’re not alone. Landlines are quite outdated. In fact, the National Center for Health Statistics reports that more than half of American homes exclusively used wireless phone service during the first half of - [How to Choose the Correct Credit Card for You](https://www.dpfcu.org/news/2018/10/25/how-to-choose-the-correct-credit-card-for-you/) - Choosing the best credit card for your lifestyle can have a considerable impact on your overall financial health. In an Ohio Credit Union League 2018 consumer survey, 73 percent of respondents stated they use at least one or two credit cards every month. Of those who regularly utilized credit cards, 39 percent carried up to - [Fake Check Scams on the Rise](https://www.dpfcu.org/news/2018/10/18/fake-check-scams-on-the-rise/) - In early September, the Better Business Bureau (BBB) released a report warning about a spike in fake check scams across the country. While these scams are not new, their occurrence rate has doubled over the last three years and is up 12% from 2017. The BBB further announced that billions of dollars in fake checks circulate - [All You Need to Know About Buying a Used Car](https://www.dpfcu.org/news/2018/09/25/all-you-need-to-know-about-buying-a-used-card/) - Buying a previously owned vehicle can be a great way to save big on one of your most valuable possessions. If you’re shopping for an amazing deal on wheels, then follow the steps below for a smoother ride!Step 1: WORK OUT A BUDGETHow are you paying for your new set of wheels?Your purchase will be - [Staying Safe Online](https://www.dpfcu.org/news/2018/09/13/staying-safe-online/) - With the average American spending 24 hours a week online, internet safety is more important than ever. A hacked or compromised computer can put you at risk for money loss, phishing scams, or even complete identity theft.If your computer’s security has been breached, then it can be turned into a “middle man” for online theft. - [Back-To-School Shopping Hacks](https://www.dpfcu.org/news/2018/08/08/back-to-school-shopping-hacks/) - Between new backpacks, textbooks, a long list of supplies and a fresh autumn wardrobe, most parents are looking at a bill of close to $700 for school-related expenses this season. Be proactive and save big! Read on for our handy list of back-to-school shopping hacks that will help you keep more money in your wallet. Plan - [How to Stay Safe with the Wallet of the Future](https://www.dpfcu.org/news/2018/07/31/how-to-stay-safe-with-the-wallet-of-the-future/) - Apple Pay, Samsung Pay and other mobile wallets are revolutionizing the checkout experience by blending two developments in payment infrastructure to save you time: near-field communication (NFC) and token encryption.Approximately one-third of all payment terminals nationwide have been updated to accept Apple Pay. It works on phones equipped with the necessary NFC equipment. If you - [DoverPhila Partners with Area Organizations to Offer Financial Literacy Program](https://www.dpfcu.org/news/2018/07/17/doverphila-partners-with-area-organizations-to-offer-financial-literacy-program/) - DoverPhila Federal Credit Union is partnering with OhioMeansJobs Tuscarawas County and United Way of Tuscarawas County, Inc. to offer a financial literacy workshop for area residents. “Master Your Money – Simple Tips to Improve Cash Flow” is scheduled for Thursday, August 2nd from 10:00 a.m. to 12:00 p.m. at OhioMeansJobs Tuscarawas County located at 1260 - [DoverPhila Federal Credit Union to Host Annual Kids’ Day](https://www.dpfcu.org/news/2018/07/03/doverphila-federal-credit-union-to-host-annual-kids-day/) - Mark your calendars for DoverPhila Federal Credit Union’s annual DP’s Kids Club Day. The family-fun event is scheduled for Saturday, August 4th from 10:00 a.m. to 1:00 p.m. at the credit union’s main office on Fillmore Avenue in Dover.The credit union is partnering with area organizations such as Tuscarawas County YMCA, Tuscarawas County Public Library, - [Debit Card Safety](https://www.dpfcu.org/news/2018/06/12/debit-card-safety/) - How do you pay for your purchases? It may be instinct for you to pull out any piece of plastic without thinking, but your random card of choice might not be the safest way to pay. Let’s explore when and how to use your debit card. Credit and debit: How are they different? Appearances aside, your credit and - [Seven Ways to Spring Clean for Extra Cash](https://www.dpfcu.org/news/2018/06/05/seven-ways-to-spring-clean-for-extra-cash/) - When that first delightful spring breeze starts blowing, you know it’s time to get your house in shape.The warmer weather and the brilliant sunshine pouring through your windows can fill you with boundless energy. You’re going to banish those dust bunnies! Every piece of useless clutter must go! You are on a mission to turn - [Medical Identity Theft: What to Do and How to Prevent It](https://www.dpfcu.org/news/2018/05/07/medical-identity-theft-what-to-do-and-how-to-prevent-it/) - Medicare is replacing its old cards with new ones. They contain an 11-digit code instead of a Social Security number. Unfortunately, even though the cards have not yet been issued, scammers are taking advantage of this change.A caller pretending to be a Medicare representative will ask for payment in exchange for the new ID. Alternatively, - [Why The Money Talk is Important](https://www.dpfcu.org/news/2018/04/09/why-the-money-talk-is-important/) - Despite financial education being one of the most important lessons to shape our adult lives, it is not something many people learn until much later in life. As a parent, you have many “talks” with your children, but too often the “Money Talk” isn’t one that happens until it is too late. Respondents in the Ohio - [ATM Update](https://www.dpfcu.org/news/2018/03/22/atm-update/) - We want to bring you up to date on what we’ve learned regarding the ATM skimming event that occurred in February and how we’re working to ensure all of our ATMs are secure going forward. But first, we again apologize for the inconvenience and any anxiety caused by this event, and especially to those who - [Rite Aid Acquisition Affects ATM Access](https://www.dpfcu.org/news/2018/03/14/rite-aid-acquisition-affects-atm-access/) - A recent acquisition of more than 1,900 Rite Aid stores by Walgreens Boots Alliance has affected the surcharge-free access at Ohio Rite Aid ATM locations. As of March 15, 2018, DoverPhila members will continue to have surcharge-free access at two Rite Aid locations in Tuscarawas County – New Philadelphia and Uhrichsville. All other Ohio Rite - [5 Scams to Avoid on Black Friday and Cyber Monday](https://www.dpfcu.org/news/2018/11/08/5-scams-to-avoid-on-black-friday-and-cyber-monday/) - Black Friday and Cyber Monday can be great fun – but they can also put you at great risk. Scams abound on the weekend that heralds the holiday shopping season, and you don’t want a phishing scheme or a bogus bargain to turn you into a Grinch. Here are five scams to look out for as - [2018 Marks Another Successful Year for DoverPhila](https://www.dpfcu.org/news/2018/12/20/2018-marks-another-successful-year-for-doverphila/) - DoverPhila Federal Credit Union continues to strive in the financial industry while giving back as it wraps up its 65th year of serving Tuscarawas County.The credit union gave back $1.5 million to its members. DoverPhila is a community-focused, not-for-profit financial institution controlled by its members making it possible to reward those members with a bonus - [DoverPhila Gives Back to Youth Members and the Community](https://www.dpfcu.org/news/2018/12/10/doverphila-gives-back-to-youth-members-and-the-community/) - The holidays came early for DoverPhila Federal Credit Union’s youngest members and its local Salvation Army.On December 7, the credit union gave a $10 holiday gift to its DP’s Kids Club and cu$aver members – over 1,400 youth. The $14,000 amount was matched and then donated to the Salvation Army of Tuscarawas County. The Salvation - [Don't Be A Victim of Social Security Fraud](https://www.dpfcu.org/news/2018/11/28/dont-be-a-victim-of-social-security-fraud/) - Any of the hundreds of scams around today can make you feel like we live in a world gone mad. How cruel can someone be to con a poor victim out of thousands of dollars?But one of the most heartless scams making the rounds is the one targeting the elderly who depend on Social Security benefits for - [8 Reasons To Shop Local on Small Business Saturday](https://www.dpfcu.org/news/2018/11/15/8-reasons-to-shop-local-on-small-business-saturday/) - Mega e-tailers, like Amazon and Walmart, may monopolize online commerce, but it’s the small businesses across the country that keep the economy going. In fact, according to the Small Business Administration (SBA), the 28 million small businesses in America account for 54 percent of all sales in the country. Small businesses create jobs, build a - [Protect Yourself From COVID-19 Scams](https://www.dpfcu.org/news/2020/04/23/protect-yourself-from-covid-19-scams/) - The uncertainty surrounding COVID-19 has given scammers a prime opportunity to take advantage of people. Below are some scams to be aware of during this crisis.FAKE STIMULUS CHECKSScammers are calling and pretending to process stimulus checks (also called Economic Impact Payments) to get personal information, such as Social Security numbers, banking information, or credit card ## Pages - [Home](https://www.dpfcu.org/) - Discover easy banking at DoverPhila - your credit union! Access accounts, apply for loans, explore services, and stay connected—all in one place. - [Member Appreciation Month](https://www.dpfcu.org/member-appreciation-month/) - You're invited to Member Appreciation Celebration! At DoverPhila, we’re grateful for our incredible members—and we’re celebrating YOU this August. - [WHY DOVERPHILA: Connect](https://www.dpfcu.org/why-doverphila-connect/) - Whether online or in-person, we’re here to connect and answer your questions. Stay updated by following us on social media or opting into texting. - [WHY DOVERPHILA: Holiday Schedule](https://www.dpfcu.org/why-doverphila-holiday-schedule/) - Our holiday schedule gives early notice of branch closures. Banking closures may affect payment processing times, so plan ahead. - [WHY DOVERPHILA: In the Community](https://www.dpfcu.org/why-doverphila-in-the-community/) - Our mission is to impact our local communities, starting with our members' financial well-being, through volunteerism, service projects, and charitable support. - [WHY DOVERPHILA: FAQs](https://www.dpfcu.org/why-doverphila-faqs/) - We welcome your questions and feedback to better understand your needs. Below is a list of FAQs—if it's on someone else's mind, it's likely on yours too. - [WHY DOVERPHILA: Switch to DoverPhila](https://www.dpfcu.org/why-doverphila-switch-to-doverphila/) - Once you recognize the value of DoverPhila—where fees don’t drive profits, and you have a stake in our success—switching becomes effortless. - [WHY DOVERPHILA: Our Story](https://www.dpfcu.org/why-doverphila-our-story/) - We stand out by personally connecting with members and offering support. For 70 years, we've earned trust in Tuscarawas County. Join us as a member or employee. - [RESOURCES: Financial Education & Counseling](https://www.dpfcu.org/resources-financial-education-counseling/) - We offer free financial wellness programs, resources, and counseling to help you make better informed financial decisions. - [RESOURCES: Policies](https://www.dpfcu.org/resources-policies/) - We have clear, transparent policies outlining how we handle your information. Your privacy matters to us, and we make it easy to adjust your settings. - [RESOURCES: Fees](https://www.dpfcu.org/resources-fees/) - Explore our fee structure designed with members in mind. We're committed to providing affordable banking with transparent, fair fees. - [RESOURCES: Services](https://www.dpfcu.org/resources-services/) - Need notary, wire transfer, or payroll deduction services? We’re here to provide quick access and answers for those unexpected financial needs when they arise. - [RESOURCES: eServices](https://www.dpfcu.org/resources-eservices/) - Manage your money anytime, anywhere with eServices. Online and mobile banking, eDocuments, eStatements, and digital wallets make banking faster and simpler. - [LOANS: Rates](https://www.dpfcu.org/loans-rates/) - Your loan rate is tied to your credit score. Advertised rates may differ. View our rates online, secure your loan, and get help improving your credit score! - [LOANS: Protection](https://www.dpfcu.org/loans-protection/) - Accidents happen. Protect yourself with our loan protection options, giving you peace of mind and safeguarding your finances when things don’t go as planned. - [LOANS: Personal](https://www.dpfcu.org/loans-personal/) - Our installment and personal loans make big purchases and life’s moments more affordable with flexible terms and competitive rates that fit your budget. - [LOANS: Home](https://www.dpfcu.org/loans-home/) - Our home loans simplify the process to buy, build, refinance, or tap into your home's equity without the stress. Apply today through our online application! - [ACCOUNTS: Rates](https://www.dpfcu.org/accounts-rates/) - Explore our competitive account rates designed to help you grow your money. Choose the right option for you and start earning more today! - [ACCOUNTS: Business](https://www.dpfcu.org/accounts-business/) - Simplify business banking with DoverPhila business accounts! Enjoy easy access, flexible tools, and tailored solutions to help your business thrive. - [ACCOUNTS: Personal](https://www.dpfcu.org/accounts-personal/) - Our personal accounts include savings, checking, and youth club options, providing safety, interest-earning opportunities, and convenient access to your money. - [ACCOUNTS: Access Funds](https://www.dpfcu.org/accounts-access-funds/) - Access funds without the hassle anytime, anywhere with our five-service locations, ATM network, and vast array of mobile and online banking services. - [RESOURCES: Protect Yourself](https://www.dpfcu.org/resources-protect-yourself/) - Members have access to additional protections, such as term life, home, and auto insurance, that could be more affordable than purchasing policies on their own. - [RESOURCES: Fraud Prevention](https://www.dpfcu.org/resources-fraud-prevention/) - Identity theft can happen to anyone, at any time.Consider following the precautions below and notify us immediately if you suspect fraud. - [DoverPhila's Youth Week](https://www.dpfcu.org/doverphilas-youth-week/) - From April 20 through April 25, DoverPhila Federal Credit Union is celebrating Youth Week to encourage and instill healthy saving habits among youth members. - [RESOURCES: Tutorials](https://www.dpfcu.org/resources-tutorials/) - We offer tutorials to help you navigate our products and services. While you can always speak with a representative, sometimes seeing the process is easiest. - [Locations](https://www.dpfcu.org/locations/) - Administration Building129 Fillmore Ave, Dover, OH 44622Our Mortgage department is located at this office and schedules appointments Monday - Friday. Office hoursLocal: 330-364-8874Toll Free: 877-763-2162Accounting Fax: 888-343-8984Mortgage Fax: 833-230-8731Human Resource Fax: 833-219-7746M&Th 9:00 am - 5:30 pmTu-W 9:00 am - 5:00 pmFri 9:00 am - 6:00 pm Branch LocationsMain Office119 Fillmore Ave, Dover, OH 44622You can apply for and close installment loans at this - [Insurance Options](https://www.dpfcu.org/insurance-options/) - At DoverPhila Federal Credit Union, we offer additional insurance options to ensure that our members’ best-laid plans don’t get derailed. - [Credit Unions vs. Banks](https://www.dpfcu.org/credit-unions-vs-banks/) - Credit Unions vs. Banks: We're people helping people. We take action by serving, educating, and giving back to our members and the community. - [Checking Accounts](https://www.dpfcu.org/checking-accounts/) - Our checking accounts offer top-tier benefits with minimal fees, providing a straightforward checking solution that works the way you want it to. - [All Rates](https://www.dpfcu.org/all-rates/) - Our competitive rates provide peace of mind. Whether you’re trying to contain costs or grow your balances, our rates help you make the most of your money. - [LOCATIONS & ATM INFO](https://www.dpfcu.org/locations-atm-info/) - Our convenient locations and ATMs ensure that accessing your money is never more than a short drive away. View our hours and find a branch or ATM near you. - [Cash Back Loan Promo](https://www.dpfcu.org/cash-back-loan-promo/) - Get up to $500 cash back on DoverPhila loans! Enjoy competitive rates, flexible terms, and no payments for 90 days. Offer ends Dec 15, 2025. - [Our Story: A Staple of the Community Since 1953](https://www.dpfcu.org/history-of-purpose-since-1953/) - Discover our story and explore over 70 years of dedicated service to our 35,000 members and the Tuscarawas County community—your credit union’s proud history. - [Membership](https://www.dpfcu.org/membership-1/) - The power of $5.00That's right, no renewal fees or annual fees just a simple deposit of $5.00 and you become a lifetime member of DoverPhila as long as you maintain the $5.00 balance.DoverPhila Federal Credit Union is a not-for-profit full-service financial institution whose sole purpose for existing is to satisfy the financial needs of our - [Other Services](https://www.dpfcu.org/services/) - Wire transfersFrom your account:Wire funds from your account to another financial institutionCall receiving financial institution and obtain their wiring instructionsLow fee of $30 within U.S.Low fee of $50 for an international wireInto your account:$10 feeSee below for wiring instructions for DoverPhila. All information must be given for proper creditWiring Address: Corporate One Federal Credit Union8700 Orion - [Mortgage Application](https://www.dpfcu.org/mortgage-application/) - [Mobile Services](https://www.dpfcu.org/mobile-services/) - If your phone is on, your credit union is open. All you need to get started is a User ID and password for On Line-On Time® Home Banking and a smart phone. It's that easy!View account balances and transaction historyView check imagesTransfer between DoverPhila accountsMake DoverPhila loan paymentsDeposit checks using Remote Deposit Capture (application approval required)View - [Switch Over to DoverPhila](https://www.dpfcu.org/switch-kit/) - Everything you need to make a switch is right here. Simply print and mail the forms to the appropriate companies and/or individuals.Three simple steps to switchOpen a membership account. Download and mail all the necessary forms below and print the checklist to mark your progress.Close your account at your old financial institution. Verify that all checks, card transactions, and - [Online Tools](https://www.dpfcu.org/online-tools/) - [Loans](https://www.dpfcu.org/loans/) ## Categories - [Uncategorized](https://www.dpfcu.org/news/category/uncategorized/) - [Financial Freedom](https://www.dpfcu.org/news/category/financial-freedom/) - [News](https://www.dpfcu.org/news/category/news/) - [Education](https://www.dpfcu.org/news/category/education/) - [Community](https://www.dpfcu.org/news/category/community/) - [Retirement](https://www.dpfcu.org/news/category/retirement/) - [College](https://www.dpfcu.org/news/category/college/) - [Fraud](https://www.dpfcu.org/news/category/fraud/) - [Awards](https://www.dpfcu.org/news/category/awards/) - [Leadership](https://www.dpfcu.org/news/category/leadership/) - [Press Release](https://www.dpfcu.org/news/category/press-release/) - [Products](https://www.dpfcu.org/news/category/products/) - [Scams](https://www.dpfcu.org/news/category/fraud/scams/) ## Tags - [Home Loan](https://www.dpfcu.org/news/tag/home-loan/) - [Mortgage Loan](https://www.dpfcu.org/news/tag/mortgage-loan/) - [Refinance](https://www.dpfcu.org/news/tag/refinance/) - [Short-Term Loan](https://www.dpfcu.org/news/tag/short-term-loan/) - [Home Loan Options](https://www.dpfcu.org/news/tag/home-loan-options/) - [Home Loans](https://www.dpfcu.org/news/tag/home-loans/) - [Mortgage Loans](https://www.dpfcu.org/news/tag/mortgage-loans/) - [Fixed-Rate Mortgage](https://www.dpfcu.org/news/tag/fixed-rate-mortgage/) - [House Market](https://www.dpfcu.org/news/tag/house-market/) - [Fixed-Term Mortgage](https://www.dpfcu.org/news/tag/fixed-term-mortgage/) - [ARM](https://www.dpfcu.org/news/tag/arm/) - [Adjustable-Rate Mortgage](https://www.dpfcu.org/news/tag/adjustable-rate-mortgage/) - [Money Management](https://www.dpfcu.org/news/tag/money-management/) - [Financial Freedom Series](https://www.dpfcu.org/news/tag/financial-freedom-series/) - [Financial Counseling](https://www.dpfcu.org/news/tag/financial-counseling/) - [Budgeting](https://www.dpfcu.org/news/tag/budgeting/) - 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[money](https://www.dpfcu.org/news/tag/money/) - [Readers' Choice Awards](https://www.dpfcu.org/news/tag/readers-choice-awards/) - [Finances 101](https://www.dpfcu.org/news/tag/finances-101/) - [Union Hospital](https://www.dpfcu.org/news/tag/union-hospital/) - [YMCA](https://www.dpfcu.org/news/tag/ymca/) - [Times-Reporter](https://www.dpfcu.org/news/tag/times-reporter/) - [Rainbow Connection](https://www.dpfcu.org/news/tag/rainbow-connection/) - [Tuscarawas Clinic for the Working Uninsured](https://www.dpfcu.org/news/tag/tuscarawas-clinic-for-the-working-uninsured/) - [Tuscarawas County Humane Society](https://www.dpfcu.org/news/tag/tuscarawas-county-humane-society/) - [Dennison Railroad Depot Museum](https://www.dpfcu.org/news/tag/dennison-railroad-depot-museum/) - [Norma Johnson Center](https://www.dpfcu.org/news/tag/norma-johnson-center/) - [Trumpet in the Land](https://www.dpfcu.org/news/tag/trumpet-in-the-land/) - [Trinity Hospital Twin City](https://www.dpfcu.org/news/tag/trinity-hospital-twin-city/) - [Stress](https://www.dpfcu.org/news/tag/stress/) - [Planning](https://www.dpfcu.org/news/tag/planning/) - [Debt Counseling](https://www.dpfcu.org/news/tag/debt-counseling/) - [Skip-a-payment](https://www.dpfcu.org/news/tag/skip-a-payment/) - [Black Friday](https://www.dpfcu.org/news/tag/black-friday/) - [Cyber Monday](https://www.dpfcu.org/news/tag/cyber-monday/) - [Bargains](https://www.dpfcu.org/news/tag/bargains/) - [Christmas](https://www.dpfcu.org/news/tag/christmas/) - [Club Accounts](https://www.dpfcu.org/news/tag/club-accounts/) - [Credit Karma](https://www.dpfcu.org/news/tag/credit-karma/) - [Retirement](https://www.dpfcu.org/news/tag/retirement/) - [OhioMeansJobs](https://www.dpfcu.org/news/tag/ohiomeansjobs/) - [Workshop](https://www.dpfcu.org/news/tag/workshop/) - [Investments](https://www.dpfcu.org/news/tag/investments/) - [Credit Union Difference](https://www.dpfcu.org/news/tag/credit-union-difference/) - [Benefits](https://www.dpfcu.org/news/tag/benefits/) - [Not-for-profit](https://www.dpfcu.org/news/tag/not-for-profit/) - [Cooperative](https://www.dpfcu.org/news/tag/cooperative/) - [kids' day](https://www.dpfcu.org/news/tag/kids-day/) - [DP's Kids Club Day](https://www.dpfcu.org/news/tag/dps-kids-club-day/) - [Family Event](https://www.dpfcu.org/news/tag/family-event/) - [Dover Public Library](https://www.dpfcu.org/news/tag/dover-public-library/) - [Tuscarawas County Public Library](https://www.dpfcu.org/news/tag/tuscarawas-county-public-library/) - [Salvation Army](https://www.dpfcu.org/news/tag/salvation-army/) - [Big Brothers Big Sisters](https://www.dpfcu.org/news/tag/big-brothers-big-sisters/) - [STEAM Centers](https://www.dpfcu.org/news/tag/steam-centers/) - [Prevention](https://www.dpfcu.org/news/tag/prevention/) - [Theft](https://www.dpfcu.org/news/tag/theft/) - [NCUA](https://www.dpfcu.org/news/tag/ncua/) - [Credit Union History](https://www.dpfcu.org/news/tag/credit-union-history/) - [Manage Finances](https://www.dpfcu.org/news/tag/manage-finances/) - [Flexible Loan Terms](https://www.dpfcu.org/news/tag/flexible-loan-terms/) - [Low-Cost Accounts](https://www.dpfcu.org/news/tag/low-cost-accounts/) - [Higher Dividends](https://www.dpfcu.org/news/tag/higher-dividends/) - [Pay Off Bills](https://www.dpfcu.org/news/tag/pay-off-bills/) - [Craigslist](https://www.dpfcu.org/news/tag/craigslist/) - [Memorial Day](https://www.dpfcu.org/news/tag/memorial-day/) - [2019 Video Game Tournament](https://www.dpfcu.org/news/tag/2019-video-game-tournament/) - [Video Game Tournament](https://www.dpfcu.org/news/tag/video-game-tournament/) - [GameStop](https://www.dpfcu.org/news/tag/gamestop/) - [Park Place Teen Center](https://www.dpfcu.org/news/tag/park-place-teen-center/) - [Tuscora Park](https://www.dpfcu.org/news/tag/tuscora-park/) - [cu$aver](https://www.dpfcu.org/news/tag/cuaver/) - [Love to Shop](https://www.dpfcu.org/news/tag/love-to-shop/) - [Discounts](https://www.dpfcu.org/news/tag/discounts/) - [DP's Kids Club](https://www.dpfcu.org/news/tag/dps-kids-club/) - [Youth Celebration](https://www.dpfcu.org/news/tag/youth-celebration/) - [Youth Bonus](https://www.dpfcu.org/news/tag/youth-bonus/) - [Contest](https://www.dpfcu.org/news/tag/contest/) - [National Credit Union Youth Month](https://www.dpfcu.org/news/tag/national-credit-union-youth-month/) - [Future](https://www.dpfcu.org/news/tag/future/) - [Youth Members](https://www.dpfcu.org/news/tag/youth-members/) - [Youth Club Accounts](https://www.dpfcu.org/news/tag/youth-club-accounts/) - [Loan Debt](https://www.dpfcu.org/news/tag/loan-debt/) - [Cash Flow](https://www.dpfcu.org/news/tag/cash-flow/) - [Financial Security](https://www.dpfcu.org/news/tag/financial-security/) - [Resolution](https://www.dpfcu.org/news/tag/resolution/) - [Spending Habits](https://www.dpfcu.org/news/tag/spending-habits/) - [Ohio Credit Union League](https://www.dpfcu.org/news/tag/ohio-credit-union-league/) - [Home Inspection](https://www.dpfcu.org/news/tag/home-inspection/) - [Home Owner](https://www.dpfcu.org/news/tag/home-owner/) - [Post-Holiday](https://www.dpfcu.org/news/tag/post-holiday/) - [Mobile Products](https://www.dpfcu.org/news/tag/mobile-products/) - [Mobile Banking App](https://www.dpfcu.org/news/tag/mobile-banking-app/) - [My Mobile Money App](https://www.dpfcu.org/news/tag/my-mobile-money-app/) - [Banking](https://www.dpfcu.org/news/tag/banking/) - [Donation](https://www.dpfcu.org/news/tag/donation/) - [Holiday Gift](https://www.dpfcu.org/news/tag/holiday-gift/) - [Dover](https://www.dpfcu.org/news/tag/dover/) - [New Philadelphia](https://www.dpfcu.org/news/tag/new-philadelphia/) - [Newcomerstown](https://www.dpfcu.org/news/tag/newcomerstown/) - [Uhrichsville](https://www.dpfcu.org/news/tag/uhrichsville/) - [Social Security](https://www.dpfcu.org/news/tag/social-security/) - [SSA](https://www.dpfcu.org/news/tag/ssa/) - [Safe Banking](https://www.dpfcu.org/news/tag/safe-banking/) - [Small Business Saturday](https://www.dpfcu.org/news/tag/small-business-saturday/) - [Shop Local](https://www.dpfcu.org/news/tag/shop-local/) - [Local Businesses](https://www.dpfcu.org/news/tag/local-businesses/) - [Support Community](https://www.dpfcu.org/news/tag/support-community/) - [American Dream](https://www.dpfcu.org/news/tag/american-dream/) - [Small Business](https://www.dpfcu.org/news/tag/small-business/) - [Smart Shopping](https://www.dpfcu.org/news/tag/smart-shopping/) - [Deals](https://www.dpfcu.org/news/tag/deals/) - [Landline](https://www.dpfcu.org/news/tag/landline/) - [Cell Phone](https://www.dpfcu.org/news/tag/cell-phone/) - [Communication](https://www.dpfcu.org/news/tag/communication/) - [Telecommunication](https://www.dpfcu.org/news/tag/telecommunication/) - [Telecom](https://www.dpfcu.org/news/tag/telecom/) - [Credit Unions](https://www.dpfcu.org/news/tag/credit-unions/) - [Check Fraud](https://www.dpfcu.org/news/tag/check-fraud/) - [Identity Thefy](https://www.dpfcu.org/news/tag/identity-thefy/) - [Cashier's Checks](https://www.dpfcu.org/news/tag/cashiers-checks/) - [Personal Checks](https://www.dpfcu.org/news/tag/personal-checks/) - [Car Insurance](https://www.dpfcu.org/news/tag/car-insurance/) - [GAP Insurance](https://www.dpfcu.org/news/tag/gap-insurance/) - [Pre-Approval](https://www.dpfcu.org/news/tag/pre-approval/) - [Hacking](https://www.dpfcu.org/news/tag/hacking/) - [Internet Safety](https://www.dpfcu.org/news/tag/internet-safety/) - [Compromised Information](https://www.dpfcu.org/news/tag/compromised-information/) - [back to school](https://www.dpfcu.org/news/tag/back-to-school/) - [shopping hacks](https://www.dpfcu.org/news/tag/shopping-hacks/) - [Mobile Wallet](https://www.dpfcu.org/news/tag/mobile-wallet/) - [Mobile Purchasing](https://www.dpfcu.org/news/tag/mobile-purchasing/) - [Apple Pay](https://www.dpfcu.org/news/tag/apple-pay/) - [Samsung Pay](https://www.dpfcu.org/news/tag/samsung-pay/) - [Android](https://www.dpfcu.org/news/tag/android/) - [iPhone](https://www.dpfcu.org/news/tag/iphone/) - [Smart Device](https://www.dpfcu.org/news/tag/smart-device/) - [Token Encryption](https://www.dpfcu.org/news/tag/token-encryption/) - [NFC](https://www.dpfcu.org/news/tag/nfc/) - [MST](https://www.dpfcu.org/news/tag/mst/) - [Technology](https://www.dpfcu.org/news/tag/technology/) - [Improve Credit](https://www.dpfcu.org/news/tag/improve-credit/) - [Increase Savings](https://www.dpfcu.org/news/tag/increase-savings/) - [Workforce Initiative Association](https://www.dpfcu.org/news/tag/workforce-initiative-association/) - [Twin Cities Kids Coalition](https://www.dpfcu.org/news/tag/twin-cities-kids-coalition/) - [app](https://www.dpfcu.org/news/tag/app/) - [skimmers](https://www.dpfcu.org/news/tag/skimmers/) - [Spring Clean](https://www.dpfcu.org/news/tag/spring-clean/) - [Thrifty](https://www.dpfcu.org/news/tag/thrifty/) - [Medical Identity Theft](https://www.dpfcu.org/news/tag/medical-identity-theft/) - [Medicare](https://www.dpfcu.org/news/tag/medicare/) - [new year's resolution](https://www.dpfcu.org/news/tag/new-years-resolution/) - [a smarter choice](https://www.dpfcu.org/news/tag/a-smarter-choice/) - [Trinity Twin City Hospital](https://www.dpfcu.org/news/tag/trinity-twin-city-hospital/) - [Tuscarawas County Community Hospice](https://www.dpfcu.org/news/tag/tuscarawas-county-community-hospice/) - [Kent State University](https://www.dpfcu.org/news/tag/kent-state-university/) - [New Towne Mall](https://www.dpfcu.org/news/tag/new-towne-mall/) - [East Central Ohio Educational Service Center](https://www.dpfcu.org/news/tag/east-central-ohio-educational-service-center/) - [Bitcoin](https://www.dpfcu.org/news/tag/bitcoin/) - [BTC](https://www.dpfcu.org/news/tag/btc/) - [currency](https://www.dpfcu.org/news/tag/currency/) - [digital](https://www.dpfcu.org/news/tag/digital/) - [money-laundering](https://www.dpfcu.org/news/tag/money-laundering/) - [Shopping](https://www.dpfcu.org/news/tag/shopping/) - [Pre-Holiday](https://www.dpfcu.org/news/tag/pre-holiday/) - [Advice](https://www.dpfcu.org/news/tag/advice/) - [Improve Finances](https://www.dpfcu.org/news/tag/improve-finances/) - [data breachers](https://www.dpfcu.org/news/tag/data-breachers/) - [security](https://www.dpfcu.org/news/tag/security/) - [federal trade commission](https://www.dpfcu.org/news/tag/federal-trade-commission/) - [GateHouse Media](https://www.dpfcu.org/news/tag/gatehouse-media/) - [Financial Institutions](https://www.dpfcu.org/news/tag/financial-institutions/) - [Bank](https://www.dpfcu.org/news/tag/bank/) - [Awards](https://www.dpfcu.org/news/tag/awards/) - [Award-Winning](https://www.dpfcu.org/news/tag/award-winning/) - [Banks](https://www.dpfcu.org/news/tag/banks/) - [CUNA](https://www.dpfcu.org/news/tag/cuna/) - [FDIC](https://www.dpfcu.org/news/tag/fdic/) - [payday](https://www.dpfcu.org/news/tag/payday/) - [financial couneling](https://www.dpfcu.org/news/tag/financial-couneling/) - [tax-free](https://www.dpfcu.org/news/tag/tax-free/) - [pre-approved loan](https://www.dpfcu.org/news/tag/pre-approved-loan/) - [Roth IRA](https://www.dpfcu.org/news/tag/roth-ira/) - [Millennials](https://www.dpfcu.org/news/tag/millennials/) - [Investing](https://www.dpfcu.org/news/tag/investing/) - [Cooperatives](https://www.dpfcu.org/news/tag/cooperatives/) - [eDocuments](https://www.dpfcu.org/news/tag/edocuments/) - [Paperless](https://www.dpfcu.org/news/tag/paperless/) - [RAIN](https://www.dpfcu.org/news/tag/rain/) - [EMV Chip Card](https://www.dpfcu.org/news/tag/emv-chip-card/) - [fraud watch](https://www.dpfcu.org/news/tag/fraud-watch/) - [Go Green](https://www.dpfcu.org/news/tag/go-green/) - [Housing Costs](https://www.dpfcu.org/news/tag/housing-costs/) - [ATM](https://www.dpfcu.org/news/tag/atm/) - [Home Owning](https://www.dpfcu.org/news/tag/home-owning/) - [Elan](https://www.dpfcu.org/news/tag/elan/) - [Job Hunting](https://www.dpfcu.org/news/tag/job-hunting/) - [Travel](https://www.dpfcu.org/news/tag/travel/) - [Savings Club Account](https://www.dpfcu.org/news/tag/savings-club-account/) - [Inflation](https://www.dpfcu.org/news/tag/inflation/) - [Cost-of-living](https://www.dpfcu.org/news/tag/cost-of-living/) - [Cyber Security](https://www.dpfcu.org/news/tag/cyber-security/) - [Certificate Accounts](https://www.dpfcu.org/news/tag/certificate-accounts/) - [Share Certificates](https://www.dpfcu.org/news/tag/share-certificates/) - [Share Accounts](https://www.dpfcu.org/news/tag/share-accounts/) - [Certificate of Deposit](https://www.dpfcu.org/news/tag/certificate-of-deposit/) - [Investment](https://www.dpfcu.org/news/tag/investment/) - [Business Loans](https://www.dpfcu.org/news/tag/business-loans/) - [Health](https://www.dpfcu.org/news/tag/health/) - [Mental Health](https://www.dpfcu.org/news/tag/mental-health/) - [Money Tips](https://www.dpfcu.org/news/tag/money-tips/) - [Kindness](https://www.dpfcu.org/news/tag/kindness/) - [Anniversary](https://www.dpfcu.org/news/tag/anniversary/) - [Fraud Protection](https://www.dpfcu.org/news/tag/fraud-protection/) - [education accounts](https://www.dpfcu.org/news/tag/education-accounts/) - [Savers Club](https://www.dpfcu.org/news/tag/savers-club/) - [vishing](https://www.dpfcu.org/news/tag/vishing/) - [Online Buying](https://www.dpfcu.org/news/tag/online-buying/) - [Overpayment Scam](https://www.dpfcu.org/news/tag/overpayment-scam/) - [Spoofing Scams](https://www.dpfcu.org/news/tag/spoofing-scams/) - [Halloween Event](https://www.dpfcu.org/news/tag/halloween-event/) - [Fall Event](https://www.dpfcu.org/news/tag/fall-event/) - [Fraud Awareness](https://www.dpfcu.org/news/tag/fraud-awareness/) - [Breaches](https://www.dpfcu.org/news/tag/breaches/) - [Fraud Prevention](https://www.dpfcu.org/news/tag/fraud-prevention/) - [Fraud Resources](https://www.dpfcu.org/news/tag/fraud-resources/) - [United Way of Tuscarawas](https://www.dpfcu.org/news/tag/united-way-of-tuscarawas/) - [Community Impact](https://www.dpfcu.org/news/tag/community-impact/) - [Community Outreach](https://www.dpfcu.org/news/tag/community-outreach/) - [Annual Pledge Card](https://www.dpfcu.org/news/tag/annual-pledge-card/) - [DoverPhila Campaign](https://www.dpfcu.org/news/tag/doverphila-campaign/) - [DoverPhila Difference](https://www.dpfcu.org/news/tag/doverphila-difference/) - [Press Release](https://www.dpfcu.org/news/tag/press-release/) - [Community News](https://www.dpfcu.org/news/tag/community-news/) - [Year-End Bonus Dividend](https://www.dpfcu.org/news/tag/year-end-bonus-dividend/) - [Tuscarawas County financial services](https://www.dpfcu.org/news/tag/tuscarawas-county-financial-services/) - [Community Contributions](https://www.dpfcu.org/news/tag/community-contributions/) - [Tuscarawas County community support](https://www.dpfcu.org/news/tag/tuscarawas-county-community-support/) - [United Way of Tuscarawas County](https://www.dpfcu.org/news/tag/united-way-of-tuscarawas-county/) - [debit card controls](https://www.dpfcu.org/news/tag/debit-card-controls/) - [DoverPhila Gives Back to Members](https://www.dpfcu.org/news/tag/doverphila-gives-back-to-members/) - [Savvy Money Scams](https://www.dpfcu.org/news/tag/savvy-money-scams/) - [Money Scams](https://www.dpfcu.org/news/tag/money-scams/) - [Common Scams](https://www.dpfcu.org/news/tag/common-scams/) - [2024 Community Impact](https://www.dpfcu.org/news/tag/2024-community-impact/) - [DoverPhila's 2024 Community Impact](https://www.dpfcu.org/news/tag/doverphilas-2024-community-impact/) - [Federal Taxes](https://www.dpfcu.org/news/tag/federal-taxes/) - [State Taxes](https://www.dpfcu.org/news/tag/state-taxes/) - [Volunteer Income Tax Preparation](https://www.dpfcu.org/news/tag/volunteer-income-tax-preparation/) - [Filing Taxes](https://www.dpfcu.org/news/tag/filing-taxes/) - [File and Save on Taxes](https://www.dpfcu.org/news/tag/file-and-save-on-taxes/) - [Tax Resources](https://www.dpfcu.org/news/tag/tax-resources/) - [Services](https://www.dpfcu.org/news/tag/services/) - [Products](https://www.dpfcu.org/news/tag/products/) - [real estate loans](https://www.dpfcu.org/news/tag/real-estate-loans/) - [buying a home](https://www.dpfcu.org/news/tag/buying-a-home/) - [homeownership](https://www.dpfcu.org/news/tag/homeownership/) - [Costs of Homeownership](https://www.dpfcu.org/news/tag/costs-of-homeownership/) - [eStatements](https://www.dpfcu.org/news/tag/estatements/) - [digital statements](https://www.dpfcu.org/news/tag/digital-statements/) - [e-services](https://www.dpfcu.org/news/tag/e-services/) - [home banking](https://www.dpfcu.org/news/tag/home-banking/) - [Americas Credit Unions](https://www.dpfcu.org/news/tag/americas-credit-unions/) - [Tax Status](https://www.dpfcu.org/news/tag/tax-status/) - [IDCheck](https://www.dpfcu.org/news/tag/idcheck/) - [Shared Branching](https://www.dpfcu.org/news/tag/shared-branching/) - [CO-OP Network](https://www.dpfcu.org/news/tag/co-op-network/) - [Shared Branching Network](https://www.dpfcu.org/news/tag/shared-branching-network/) - [Shared Branch Location](https://www.dpfcu.org/news/tag/shared-branch-location/) - [Travel Tips](https://www.dpfcu.org/news/tag/travel-tips/) - [Digital Banking](https://www.dpfcu.org/news/tag/digital-banking/) - [Travel Notice](https://www.dpfcu.org/news/tag/travel-notice/) - [Text Alerts](https://www.dpfcu.org/news/tag/text-alerts/) - [Alerts](https://www.dpfcu.org/news/tag/alerts/) - [eAlerts](https://www.dpfcu.org/news/tag/ealerts/) - [Digital Citizenship](https://www.dpfcu.org/news/tag/digital-citizenship/) - [Elder Fraud](https://www.dpfcu.org/news/tag/elder-fraud/) - [Zelle](https://www.dpfcu.org/news/tag/zelle/) - [P2P](https://www.dpfcu.org/news/tag/p2p/) - [Payment App](https://www.dpfcu.org/news/tag/payment-app/) - [Peer-to-Peer Payment App](https://www.dpfcu.org/news/tag/peer-to-peer-payment-app/) - [eServices](https://www.dpfcu.org/news/tag/eservices/) - [Friends of the Homeless](https://www.dpfcu.org/news/tag/friends-of-the-homeless/) - [Tuscarawas Friends of the Homeless](https://www.dpfcu.org/news/tag/tuscarawas-friends-of-the-homeless/) - [Post Secondary](https://www.dpfcu.org/news/tag/post-secondary/) - [Cost of College](https://www.dpfcu.org/news/tag/cost-of-college/) - [Life After High School](https://www.dpfcu.org/news/tag/life-after-high-school/) - [Pledge Card Campaign](https://www.dpfcu.org/news/tag/pledge-card-campaign/) - [Member Benefit](https://www.dpfcu.org/news/tag/member-benefit/) - [Beneath the Shade](https://www.dpfcu.org/news/tag/beneath-the-shade/) - [Charitable Giving Program](https://www.dpfcu.org/news/tag/charitable-giving-program/) - [Tax Refund](https://www.dpfcu.org/news/tag/tax-refund/) - [Tax Bill](https://www.dpfcu.org/news/tag/tax-bill/) - [Local Taxes](https://www.dpfcu.org/news/tag/local-taxes/) - [Kids Club Account](https://www.dpfcu.org/news/tag/kids-club-account/) - [Savers Club Account](https://www.dpfcu.org/news/tag/savers-club-account/) - [Teen Savings Account](https://www.dpfcu.org/news/tag/teen-savings-account/) - [Youth Savings Account](https://www.dpfcu.org/news/tag/youth-savings-account/) - [Donation Station](https://www.dpfcu.org/news/tag/donation-station/) - [Tuscarawas Valley Farmers Market](https://www.dpfcu.org/news/tag/tuscarawas-valley-farmers-market/) - [TVFM](https://www.dpfcu.org/news/tag/tvfm/) - [Local Food Banks](https://www.dpfcu.org/news/tag/local-food-banks/) - [Food Banks](https://www.dpfcu.org/news/tag/food-banks/) - [Summer](https://www.dpfcu.org/news/tag/summer/) - [Vacation](https://www.dpfcu.org/news/tag/vacation/) - [Financial Goals](https://www.dpfcu.org/news/tag/financial-goals/) - [mid-year checkup](https://www.dpfcu.org/news/tag/mid-year-checkup/) - [reduce debt](https://www.dpfcu.org/news/tag/reduce-debt/) - [boost savings](https://www.dpfcu.org/news/tag/boost-savings/) - [debt payoff](https://www.dpfcu.org/news/tag/debt-payoff/) - [grow savings](https://www.dpfcu.org/news/tag/grow-savings/)