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Loan Rates

Auto Loans

APR* as low as

5.49%

USED Autos

APR* as low as

5.49%

Motorcycles

APR* as low as

6.75%

Boats and RVs

APR* as low as

5.99%

Personal Loans

APR* as low as

9.50%

Home Equity

APR* as low as

4.35%

Home Equity Line of Credit

APR* as low as

6.50%

Home Improvement

APR* as low as

6.35%

Land Loans

APR* as low as

5.95%

Mortgage

Low APR* rates
 

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Shared Secured**

APR* as low as

3.10%

Share Certificate Secured Loans**

APR* as low as

3.10%

Cash Back Mastercard® Credit Card

APR* as low as

15.99%

Checking Account Rates
.
From $0.01
From $500
From $1,500.01
Awesome/Advantage Checking
.
.01% APY^
.
Interest Checking
3.00% APY^
.
.10% APY^
Cash Back Checking
.00%
.00%
.00%
High Yield Savings
HIGH YIELD
RATE
APY
$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%
Money Market Rates
Money Market
From $1,000
.10% APY^
Money Market
From $10,000
.10% APY^
Money Market
From $50,000
.15% APY^
Money Market
From $100,000
.20% APY^
Money Market
From $250,000
.25% APY^
Savings Accounts
.
$0.01 - $24,999
$25,000 - $99,999
$100,000+
.
APY
APY
APY
Share Savings
0.10%
0.10%
0.10%
Super Saver Shares
0.10%
0.10%
0.10%
Kid's Making Cents/#MyCash
0.10%
0.10%
0.10%
Christmas Club
0.10%
0.10%
0.10%
IRA Share Savings
0.10%
0.10%
0.10%
High Rate 6-Month Certificate
TERM
$500 - $99,999.99
$100,000+
.
6 Months
4.00% APY
5.00% APY
.
Term Share Certificate Rates
.
$500 - $24,999
$25,000 - $99,999
$100,000+
Term
APY
APY
APY
6 Month
3.00%
3.00%
3.00%
1 Year
2.50%
2.50%
2.50%
18 Month
0.01%
0.01%
0.01%
2 Year
3.00%
3.00%
3.00%
30 Month
0.01%
0.01%
0.01%
3 Year
2.00%
2.00%
2.00%
4 Year
2.00%
2.00%
2.00%
5 Year
2.00%
2.00%
2.00%
IRA Certificate Rates
.
$500 - $24,999
$25,000 - $99,999
$100,000+
Term
APY
APY
APY
1 Year
2.50%
2.50%
2.50%
2 Year
3.00%
3.00%
3.00%
3 Year
2.00%
2.00%
2.00%
4 Year
2.00%
2.00%
2.00%
5 Year
2.00%
2.00%
2.00%
Flex Share Certificates
.
$500 - $24,999
$25,000 - $99,999
$100,000+
Term
APY
APY
APY
15 Month
4.49%
4.49%
4.49%
24 Month
4.80%
4.80%
4.80%
Business Share Accounts Rates
Primary/Share Savings
$100+ Balance to Earn Dividends
.10% APY^
Money Market
$1,000+ Balance to Earn Dividends
0.25% APY^
Money Market
$50,000+ Balance to Earn Dividends
0.50% APY^
Money Market
$100,000+ Balance to Earn Dividends
1.50% APY^
Money Market
$500,000+ Balance to Earn Dividends
2.00% APY^
Business Share Certificate Rates
12 Month Term
$500+ Balance to Earn Dividends
2.50% APY^
24 Month Term
$500+ Balance to Earn Dividends
3.00% APY^
36 Month Term
$500+ Balance to Earn Dividends
2.00% APY^
48 Month Term
$500+ Balance to Earn Dividends
2.00% APY^
60 Month Term
$500+ Balance to Earn Dividends
2.00% APY^
Business Flex Certificate
15 Month
$500+
4.49% APY^
24 Month
$500+
4.80% APY^

 

*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, Motorcycle, Boats/RVs, Fixed Rate Home Equity Loans, Home Improvement, and Land Loans are discounted which include: a requirement of automatic loan payment transfers, direct deposit of net pay and a checking account for .50% discount. New Auto Loans are eligible for 5 most recent model years. Used Auto Loans are eligible for model years 2014 through 2018.

Home Equity Lines of Credit are variable-rate loans and may adjust monthly with the Prime rate as published in The Wall Street Journal. The plan has a maximum APR of 18%. We will use the most recent index value available to us as of 10 days before the date of any annual percentage rate adjustment.

Rates and terms subject to change without advance notice. Refinancing of existing Dover Federal Loans may not be available. At no time will the APR go below the floor during the term of the stated loan. Rates are accurate as of January 3, 2023.**APR is over current share or share certificate rate. See Credit Union for details.^APY is Annual Percentage Yield and is accurate as of January 3, 2023. 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.