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Lock in a great rate before you buy.

Did you know your loan interest rate is directly tied to your personal credit score? That means advertised rates you see might not be what you actually pay. This knowledge can save you a lot of money over the life of your loan and you can access online the interest rates for all of our loan options. Then secure your loan with DoverPhila ahead of time to avoid surprises when in-house financing options reveal higher than expected rates. And if you need to improve your credit score, we can help with that, too.

Auto Loans

Credit Score: 730+

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

Credit Score: 729-680

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

Credit Score: 679-640

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

Credit Score: 639-600

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

Credit Score: 599-550

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

Credit Score: 549 <

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

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

Collector Cars

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

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 1, 2024 – rates are effective until further notice.

Recreational Loans

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

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

Personal Loans

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

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

Share Covered Loan

      • Loans secured by a corresponding balance in a regular share or share certificate account
      • Various loan terms for regular share
      • Various loan terms for share covered loan

Certificate Loans

    • Loans secured by a corresponding balance in a share certificate account only
    • Various loan terms for share certificate loans

Not-For-Profit

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

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

Account Features:

      • No minimum balance
      • No monthly service charges
      • Free overdraft protection from your savings account
      • Unlimited check writing
      • Digital check images through online banking
      • eAlerts
      • ATM/Debit card access
      • Access to online banking, mobile banking, eStatements, paper statements, and PAL

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

DP Owl

Auto Loans

Credit Score: 730+

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

Credit Score: 729-680

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

Credit Score: 679-640

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

Credit Score: 639-600

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

Credit Score: 599-550

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

Credit Score: 549 <

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

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

Collector Cars

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

*Annual Percentage Rate – some restrictions apply
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Effective January 1, 2024 – rates are effective until further notice.

Recreational Loans

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

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

Personal Loans

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

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

Share Covered Loan

      • Loans secured by a corresponding balance in a regular share or share certificate account
      • Various loan terms for regular share
      • Various loan terms for share covered loan

Certificate Loans

    • Loans secured by a corresponding balance in a share certificate account only
    • Various loan terms for share certificate loans
A SIMPLE $5 DEPOSIT IS ALL IT TAKES.

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

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