not delete

More for free and far fewer fees.

Our ratio of services that are free vs. fee is just another highlighted benefit of membership. Expect no fees for account minimums, monthly service charges, per check fees, or overdraft protection. Because when our members are owners, there’s no need to make money on fees from our core services.

  • Account and Service Fees image linked to related content Account & Service Fees

Account & Service Fees

Credit Union Membership

      • Membership Share $5.00 par value 

Fees

      • Dormant Account $10.00 per month after two (2) years inactive and under $50.00 • Corporate Check $2.50 per check 
      • Money Order $2.50 per money order 
      • Statement Copy $2.50 per copy 
      • Garnishment $50.00 
      • Account Research $20.00 per hour 
      • Account Reconciliation $20.00 per hour 
      • Wire Transfer $30.00 / $10.00 per transfer – Outgoing / Incoming • Returned Mail $5.00 per return 
      • ACH or Share Draft NSF Paid $30.00 per occurrence
      • ACH or Share Draft NSF Returned $30.00 per occurrence
      • ACH or Share Draft Stop Payment $30.00 per occurrence
      • Account Re-open $10.00 if re-opened within six (6) months
      • Fax $1.00 per page
      • Member Cashing Non-Member Check $5.00 per check 
      • Photocopies $0.25 per page
      • Currency Order $5.00 per each $1,000 

Share Draft Account Fees (Checking) 

      • Share Draft Checks Prices may vary depending upon style 
      • Business Share $0.20 per item cleared
      • Draft Service $0.20 per item deposited
      • Photocopies of Checks $2.50 per check
      • Internet Bill Pay 15 transactions per 30 day cycle free – $0.50 per transaction thereafter 

Electronic Funds Transfer Fees 

      • Withdrawals at Credit Free Union owned ATMs
      • Replace Lost, Stolen, or Damaged Card $10.00 
      • Credit Union ATM Free (Withdrawal/Inquiry/Transfer)
      • Non-proprietary ATM $2.00 ea (Withdrawal/Inquiry/Transfer)

The rates and fees appearing in this Schedule are accurate as of the last dividend declaration date indicated on the Truth in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

Federally Insured by NCUA

Calculators

Customized calculators help our members see their financial future with the clarity they desire. From determining the cost of a mortgage or installment loan with different time intervals and rates, to calculating retirement savings, members gain the knowledge necessary to make informed financial decisions.  Click on the links below to view the corresponding calculator.

Use of the loan calculators above is not a guarantee of credit. Click here for our loan calculator disclaimer.

Loan Payment Options

When making loan payments, members have a variety of options that best suit their needs and lifestyle. Mail it, stop in at a branch, use our electronic and mobile services, or establish automatic payments so there’s never a concern about missing a payment.

      • Payroll deduction
      • Automatic transfer
      • Smartphone app
      • Online banking with On Line-On Time® Home Banking
      • Online bill pay
      • U.S. mail
      • In person at a DoverPhila branch or ATM
      • Over-the-Phone Payment using a credit or debit card
      • Over the phone with our contact center using an existing DoverPhila account
      • Recurring ACH Origination

Skip-A-Payment

The unexpected is part of life. When it happens, our Skip-a-Payment benefit affords members to defer a payment until the end of the loan. To be eligible, the member account must be in good standing with at least 12 months of payment on the loan and haven’t exceeded the number of skips permissible for the life of the loan. This benefit can be applied to auto, personal, share/certificate, and recreational loans. A $35 fee will be applied and all borrowers must sign for the benefit to take effect. Skipped payments process within 24 hours. All eligibility requirements apply.

Youth Savings – DP’s Kids Club

For kids ages 12 and under

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

DP's Kids Club image

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

Joining is easy

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

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

DP's Kids Club benefits

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

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

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

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

Not-For-Profit

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

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

Features of our Not-For-Profit Checking include:

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

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

  • Account & Service Fees

Account & Service Fees

Credit Union Membership

      • Membership Share $5.00 par value 

Fees

      • Dormant Account $10.00 per month after two (2) years inactive and under $50.00 • Corporate Check $2.50 per check 
      • Money Order $2.50 per money order 
      • Statement Copy $2.50 per copy 
      • Garnishment $50.00 
      • Account Research $20.00 per hour 
      • Account Reconciliation $20.00 per hour 
      • Wire Transfer $30.00 / $10.00 per transfer – Outgoing / Incoming • Returned Mail $5.00 per return 
      • ACH or Share Draft NSF Paid $30.00 per occurrence
      • ACH or Share Draft NSF Returned $30.00 per occurrence
      • ACH or Share Draft Stop Payment $30.00 per occurrence
      • Account Re-open $10.00 if re-opened within six (6) months
      • Fax $1.00 per page
      • Member Cashing Non-Member Check $5.00 per check 
      • Photocopies $0.25 per page
      • Currency Order $5.00 per each $1,000 

Share Draft Account Fees (Checking) 

      • Share Draft Checks Prices may vary depending upon style 
      • Business Share $0.20 per item cleared
      • Draft Service $0.20 per item deposited
      • Photocopies of Checks $2.50 per check
      • Internet Bill Pay 15 transactions per 30 day cycle free – $0.50 per transaction thereafter 

Electronic Funds Transfer Fees 

      • Withdrawals at Credit Free Union owned ATMs
      • Replace Lost, Stolen, or Damaged Card $10.00 
      • Credit Union ATM Free (Withdrawal/Inquiry/Transfer)
      • Non-proprietary ATM $2.00 ea (Withdrawal/Inquiry/Transfer)

The rates and fees appearing in this Schedule are accurate as of the last dividend declaration date indicated on the Truth in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

Federally Insured by NCUA
A SIMPLE $5 DEPOSIT IS ALL IT TAKES.
Scroll to Top
On Line-On Time® Home
Banking & Bill Pay Login