Dover Federal Credit Union

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Rates

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Loan Rates

Auto Loans³

Be rewarded for the things you already do

APR* as low as

5.49%

Used Autos⁴

Be rewarded for the things you already do

APR* as low as

5.74%

Explore Used Autos⁴
Motorcycles

Be rewarded for the things you already do

APR* as low as

7.75%

Boats and RVs

Be rewarded for the things you already do

APR* as low as

6.99%

Personal Loans

Be rewarded for the things you already do

APR* as low as

9.75%

Home Equity

Be rewarded for the things you already do

APR* as low as

5.35%

Home Equity Line of Credit⁵

Be rewarded for the things you already do

APR* as low as

7.00%

Home Improvement

Be rewarded for the things you already do

APR* as low as

7.35%

Land Loans

Be rewarded for the things you already do

APR* as low as

5.95%

Mortgage

Low APR* rates
 

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Share Secured**

Be rewarded for the things you already do

APR* as low as

3.10%

Cash Back Mastercard®¹

Be rewarded for the things you already do

APR* as low as

15.99%

Advantage Mastercard®¹

Be rewarded for the things you already do

APR* as low as

10.74%

Mastercard Secured Credit Card¹

Be rewarded for the things you already do

APR* as low as

16.90%

Deposit Products
SHARE ACCOUNTS
Rate⁶
APY¹
Primary & Secondary Shares
0.10%
0.10%
Christmas Club
0.10%
0.10%
Kids Club
0.10%
0.10%
Teen Share
0.10%
0.10%
Super Saver
0.10%
0.10%
IRA Savings
0.10%
0.10%
Cash Back Rewards
n/a
n/a
Escrow Share
n/a
n/a
High-Yield Savings
Balance Requirement
Rate
APY¹
$0.01 - $49,999.99
1.98%
2.00%
$50,000 - $99,999.99
1.49%
1.50%
$100,000 - $249,999.99
1.24%
1.25%
$250,000 and over
0.50%
0.50%
Checking
Checking Accounts
Balance Requirement
Rate
APY¹
Interest Checking
$0.01 - $14,999.99
2.71%
2.75%
↪
$15,000 and over
0.10%
0.10%
Cash Back Checking
$0.01
Earn 3% cash back up to $12
n/a
Share Draft
$0.01
0.01%
0.01%
Advantage Checking
$500
0.01%
0.01%
Clean Slate Checking
$10
n/a
n/a
Teen Checking
-
n/a
n/a
Money Market
Balance Requirement
Rate
APY¹
$1,000 - $9,999.99
0.10%
0.10%
$10,000 - $49,999.99
0.10%
0.10%
$50,000 - $99,999.99
0.15%
0.15%
$100,000 - $249,999.99
0.20%
0.20%
$250,000 and over
0.25%
0.25%
Share & IRA Certificates
$500 Minimum Deposit
Term
Rate⁶
APY¹
6-Month²
3.20%
3.25%
1-Year
3.92%
4.00%
15-Month
4.11%
4.20%
2-Year
3.68%
3.75%
3-Year
3.20%
3.25%
4-Year
2.96%
3.00%
5-Year
2.71%
2.75%
Business Share Accounts
PRIMARY/SHARE SAVINGS
Rate
APY¹
From 100+
0.10%
0.10%
BUSINESS BASIC CHECKING
n/a
n/a
BUSINESS NON-PROFIT CHECKING
n/a
n/a
MONEY MARKET
Rate
APY¹
$1,000 - $49,999.99
1.98%
2.00%
$50,000 - $99,999.99
2.72%
2.75%
$100,000 - $499,999.99
2.96%
3.00%
$500,000 and over
2.96%
3.00%
Business Share Certificates
$500 Minimum Deposit
Term
Rate
APY¹
1-Year
3.92%
4.00%
15-Month
4.11%
4.20%
2-Year
3.68%
3.75%
3-Year
3.20%
3.25%
4-Year
2.96%
3.00%
5-Year
2.71%
2.75%

 

1APY = Annual Percentage Yield. APY subject to change at any time. APY assumes compounding of dividends. Early withdrawals are subject to a penalty and will reduce APY.
*APR= Annual Percentage Rate. All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower. Rates quoted are subject to change. Quoted rates for Auto, Motorcycle, Boats/RVs, Fixed Rate Home Equity Loans, Home Improvement, and Land Loans assume borrower will meet all requirements of the .50% Automatic Transfer Loan Rate Discount Program. Program requires a checking account with direct deposit and automatic loan payment transfers for the borrower’s account. Quoted rates may not apply to refinances of existing Dover FCU loans.
26-Month term not available on IRA Certificates. 
3New Autos are the three most recent model years. 
4Used Autos are model years 2016 through 2022. 
5Home Equity Lines of Credit are variable-rate loans and may adjust monthly with the Prime rate as published in The Wall Street Journal. At no time will the APR go below the floor during the term of the stated loan. 
6APR is over current share or share certificate rate. 

Member Testimonial

Dover Federal gave me a better rate and helped me saved hundreds of dollars! Thank You Dover Federal Credit Union!
Ronald - Dover, DE

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