Current Rates

Loans Rates APR (As low as*)
Autos and Motorcycles2.99%
Boats and RVs 4.25%
Home Equity 5.19%
Home Equity Line of Credit 3.50%
Home Improvement 6.69%
1st Lien Home Equity (120 months) 4.24%***
Mortgage Click here for current rates
Land Loans 4.94%
Mobile Homes 7.95%
Signature 7.50%
Share Secured 3.10%**
Share Certificate Secured Loans 3.00%**
Share Secured Line of Credit 3.00%**
Overdraft Protection 14.90%
VISA® Platinum Credit Card 9.90%
VISA® Classic Credit Card 13.90%
VISA® Secured Credit Card 13.90%
Business MasterCard® Platinum Credit Card 9.90%
Business MasterCard® Classic Credit Card 13.90%
Checking Account Rates APY^
From $500 .05%
Share Accounts Rates APY^
Primary/Share Savings From $100 .10%
$uper $aver Share Account From $500 .125%
Money Market From $1,000 0.125%
Money Market From $10,000 0.175%
Money Market From $50,000 .25%
Money Market From $100,000 .40%
Money Market From $250,000 .50%
Vacation/Christmas Club From $100 .10%
Kids Making Cents Club Rates APY^
From $0.01 .10%
#MyCash, Teen Program Rates APY^
From $0.01 .10%
I.R.A. Share Rates APY^
From $100 .10%
I.R.A. Share Certificate Rates Minimum Balance to Earn Dividends APY^
1 Year Term $2,000 0.55%
2 Year Term $2,000 0.75%
3 Year Term $2,000 1.00%
4 Year Term $2,000 1.15%
5 Year Term $2,000 1.75%
Share Certificate Rates Minimum Balance to Earn Dividends APY^
6-Month Term $1,000 0.25%
12-Month Term $500 0.55%
18-Month Term $500 0.55%
24-Month Term $500 0.75%
30-Month Term $500 0.75%
36-Month Term $500 1.00%
4-Year Term $500 1.15%
5-Year Term $500 1.75%


Business Share Accounts Rates Minimum Balance to Earn Dividends APY^
Primary/Share Savings From $100 .05%
Money Market From $1,000 .075%
Money Market From $50,000 .10%
Money Market From $100,000 .20%
Business Share Certificate Rates Minimum Balance to Earn Dividends APY^
12-Month Term $500 0.25%
24-Month Term $500 0.40%
36-Month Term $500 0.65%


*APR= Annual Percentage Rate. Rates quoted “as low as” are subject to an evaluation of your credit history. Your rate may vary from the rate shown. The stated rates for the Auto Loans are discounted which include: a requirement of automatic loan payment transfers, direct deposit of net pay and a checking account for .50% discount, requires Debt Protection Life and Disability for .25% discount and requires GAP Insurance for .25% discount for a total discount of 1.00%. The stated rates for the Boat and RV Loans are discounted which includes: a requirement of automatic loan payment transfers, direct deposit of net pay and a checking account for .50% discount and requires Debt Protection Life and Disability for .25% discount for a total discount of .75%. The stated rates for the Signature Loan is discounted which includes: a requirement of automatic loan payment transfers, direct deposit of net pay and a checking account for .50% discount and requires Debt Protection Life and Disability for .25% discount for a total discount of .75%. The stated rate for the Home Equity loan is discounted which includes: a requirement of automatic loan payment transfers, direct deposit of net pay and a checking account for .50% discount. Rates are accurate as of September 1, 2015. Rates and terms subject to change without advance notice.

Refinancing of existing Dover Federal Loans may not be available.

**APR is over current share or share certificate rate. See Credit Union for details.

***Offer is valid for a limited time only, subject to membership eligibility and credit approval. APR is the Annual Percentage Rate, which is the advertised rate. The advertised rate may vary based on creditworthiness, and terms. The advertised rate is a fixed rate for a loan term of no more than 10 years (120 months), requires a first lien position against your home, and 80% loan to value. The stated rate for the 1st Lien Home Equity loan is discounted which includes: a requirement of automatic loan payment transfers, direct deposit of net pay and a checking account for .50% discount. See Credit Union for details.

^APY is Annual Percentage Yield and is accurate as of September 1, 2015. APY may change at any time as determined by the Board of Directors. Fees may reduce earnings on accounts. Penalties may be imposed for early withdrawal of funds on Share Certificates.

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Dover Federal Credit Union is an Equal Opportunity-Affirmative Action employer.