DoverPhila Account Rates
Every dollar you put into a DoverPhila account benefits from our competitive account rates that help grow your account balance. You have rate options that benefit you now—or to help build a foundation for a better tomorrow.
Money Market
| Insured Money Markets | Dividend Rate | APY* |
|---|---|---|
| Insured Money Market (up to $2,499) | 0.05% | 0.05% |
| Insured Money Market ($2,500 minimum) | 1.50% | 1.51% |
| Insured Money Market ($50,000 minimum) | 2.00% | 2.02% |
| Insured Money Market ($100,000 minimum) | 2.50% | 2.53% |
| Insured Money Market ($250,000 minimum) | 3.00% | 3.05% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Not intended as tax advice. Please consult your financial and/or tax adviser.
Draft (Checking)
| Draft (Checking) | Dividend Rate | APY* |
|---|---|---|
| Share Draft Personal Checking | 0.00% | 0.00% |
| Share Draft Business Checking | 0.00% | 0.00% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Health Savings Account
| HSA Checking | Dividend Rate | APY* |
|---|---|---|
| $0.00 to $2,499.99 | 0.50% | 0.50% |
| $2,500.00 to $9,999.99 | 2.00% | 2.02% |
| $10,000.00 to $24,999.99 | 2.50% | 2.53% |
| $25,000.00 or above | 3.00% | 3.05% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Coverdell Passbook ESA
| Passbook ESA Balance | Dividend Rate | APY* |
|---|---|---|
| Up to $2,499 | 0.05% | 0.05% |
| $2,500 minimum | 1.50% | 1.51% |
| $50,000 minimum | 2.00% | 2.02% |
| $100,000 minimum | 2.50% | 2.53% |
| $250,000 minimum | 3.00% | 3.05% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Not intended as tax advice. Please consult your financial and/or tax adviser.
Coverdell Certificate ESA
| Certificate ESA Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month Certificate | 4.25% | 4.34% |
| 12 Month Certificate | 4.00% | 4.08% |
| 18 Month Certificate | 3.80% | 3.87% |
| 24 Month Certificate | 3.80% | 3.87% |
| 36 Month Certificate | 3.50% | 3.56% |
| 48 Month Certificate | 3.25% | 3.30% |
| 60 Month Certificate | 3.25% | 3.30% |
| 72 Month Certificate | 3.25% | 3.30% |
*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of April 1, 2025.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity
Not intended as tax advice. Please consult your financial and/or tax adviser.
Certificate Accounts
| Certificate Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month Certificate | 4.25% | 4.34% |
| 12 Month Certificate | 4.00% | 4.08% |
| 18 Month Certificate | 3.80% | 3.87% |
| 24 Month Certificate | 3.80% | 3.87% |
| 36 Month Certificate | 3.50% | 3.56% |
| 48 Month Certificate | 3.25% | 3.30% |
| 60 Month Certificate | 3.25% | 3.30% |
| 72 Month Certificate | 3.25% | 3.30% |
*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of April 1, 2025.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity.
Not intended as tax advice. Please consult your financial and/or tax adviser.
Passbook IRA
| Passbook IRA Balance | Dividend Rate | APY* |
|---|---|---|
| Up to $2,499 | 0.05% | 0.05% |
| $2,500 minimum | 1.50% | 1.51% |
| $50,000 minimum | 2.00% | 2.02% |
| $100,000 minimum | 2.50% | 2.53% |
| $250,000 minimum | 3.00% | 3.05% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Not intended as tax advice. Please consult your financial and/or tax adviser.
Certificate IRA
| Certificate IRA Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month Certificate | 4.25% | 4.34% |
| 12 Month Certificate | 4.00% | 4.08% |
| 18 Month Certificate | 3.80% | 3.87% |
| 24 Month Certificate | 3.80% | 3.87% |
| 36 Month Certificate | 3.50% | 3.56% |
| 48 Month Certificate | 3.25% | 3.30% |
| 60 Month Certificate | 3.25% | 3.30% |
| 72 Month Certificate | 3.25% | 3.30% |
*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of April 1, 2025.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity
Not intended as tax advice. Please consult your financial and/or tax adviser.
Youth Share Accounts – Savers Club
For Teens Ages 13-17
Start Building Your Future with a DP Savers Club Account
Earning money for the first time? Whether it’s from a job, chores, or allowance, now’s the time to start smart saving habits. A DP Savers Club account helps you learn to budget, save, and build good credit—all while working toward goals like your first car or college. Let DoverPhila help you stay focused and financially confident.
Membership Benefits:
- Earn dividends on share and checking accounts.
- Certificate Accounts with low $250 minimum balance*.
- Fun and educational quarterly newsletters with contests.
- Exclusive savings event to earn bonuses and win giveaways.
- Semi-annual savings incentive postcards.
- Free access to Banzai, an award-winning, online financial program.
Additional Benefits:
- At age 16, you can apply for a MasterCard® Debit Card+, with a parent joint on your account. A debit card allows you to pay for purchases directly from your checking without the hassle of writing a check.
- Online services consist of On Line-On Time® home banking, eStatements, mobile banking, and online bill pay++.
- On Line-On Time® home banking is available to all members at no charge. You can sign up online or at any branch. Online access allows you to make transfers, view accounts, and make payments on your loan accounts with the credit union.
- Online bill pay is also free. This service allows you to make payments to anyone.
- When you turn 18, your account will automatically be converted to a regular share account. If you have a checking account, you will no longer be required to have an adult joint on your account. You will also be eligible to apply for a Visa® card** or an installment loan.
Join the DP Savers Club today!
Getting started is easy—open a DP Savers Club account with just $5 or more. Already have a DoverPhila account? You can transfer it to a Savers Club account with no extra deposit needed. (Note: If your current account is a custodial account, a separate Savers Club account will need to be opened.)
When you turn 18, your account will automatically convert to a regular share account, helping you transition smoothly into adult banking.
* Only available to DP’s Kids Club and DP Savers Club accounts.
** Some restrictions apply.
+ See Credit Union for disclosure information.
++ Checking account required.
See Credit Union for disclosure information. See Credit Union for disclosure information on excessive use charges.
Youth Share Accounts – DP’s Kids Club
For Kids Ages 12 & Under
Start Smart with DP’s Kids Club
Give your child a head start on a financially savvy future! Early education is key to building lifelong money management skills—and with DP’s Kids Club, learning about money is both fun and rewarding.
When children join the club, they’ll open their very own share account and begin to understand the value of saving. Designed for kids age 12 and under, this special account encourages good financial habits through hands-on learning, exciting incentives, and engaging activities.
DP”s Kids Club Benefits
- 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!
- Exclusive Savings – Certificate Accounts with low $250 minimum balance*.
- Games & Contests – Quarterly contest with cash prizes.
- Quarterly Newsletter – Credit union news and money facts tailored specifically to kids.
- Special Events – Youth Week, always the last full week in April, celebrates our youngest members with a bonus on deposits and fun giveaways.
- 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!
Open a DP’s Kids Club account today!
Help your child start strong with smart saving habits. Just bring their Social Security card, birth certificate, and a $5.00 deposit to any DoverPhila branch to open a DP’s Kids Club account.
Already have a share account for your child? You can still enroll them—no extra deposit needed. (Custodial accounts require a separate Kids Club account.)
At age 13, their membership automatically grows with them, converting to our DP Savers Club to continue their financial journey.
*Only available to DP’s Kids Club and DP Savers Club accounts.
Not-For-Profit Account
Discover how DoverPhila's not-for-profit accounts empower your organization's mission.
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 their desires to show results for programming. For that reason, our not-for-profit 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).
Why choose DoverPhila for your not-for-profit?
- Member-Centric Focus: We prioritize our members over profits, ensuring your organization benefits from lower or no fees and personalized member service.
- Community Commitment: We are dedicated to supporting the communities we serve, including not-for-profit organizations that make a positive impact.
- Secure and Trustworthy: Your funds are federally insured by the NCUA, providing peace of mind and security for your organization’s finances.
Account Features:
- No minimum balance.
- No monthly service charges.
- Free overdraft protection from your savings account.
- Unlimited transactions check writing*.
- Digital check images through online banking.
- Receive a debit card with access to ATMs.
- 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.
Money Market
| Insured Money Markets | Dividend Rate | APY* |
|---|---|---|
| Insured Money Market (up to $2,499) | 0.05% | 0.05% |
| Insured Money Market ($2,500 minimum) | 1.50% | 1.51% |
| Insured Money Market ($50,000 minimum) | 2.00% | 2.02% |
| Insured Money Market ($100,000 minimum) | 2.50% | 2.53% |
| Insured Money Market ($250,000 minimum) | 3.00% | 3.05% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Not intended as tax advice. Please consult your financial and/or tax adviser.
Draft (Checking)
| Draft (Checking) | Dividend Rate | APY* |
|---|---|---|
| Share Draft Personal Checking | 0.00% | 0.00% |
| Share Draft Business Checking | 0.00% | 0.00% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Health Savings Account
| HSA Checking | Dividend Rate | APY* |
|---|---|---|
| $0.00 to $2,499.99 | 0.50% | 0.50% |
| $2,500.00 to $9,999.99 | 2.00% | 2.02% |
| $10,000.00 to $24,999.99 | 2.50% | 2.53% |
| $25,000.00 or above | 3.00% | 3.05% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Coverdell Passbook ESA
| Passbook ESA Balance | Dividend Rate | APY* |
|---|---|---|
| Up to $2,499 | 0.05% | 0.05% |
| $2,500 minimum | 1.50% | 1.51% |
| $50,000 minimum | 2.00% | 2.02% |
| $100,000 minimum | 2.50% | 2.53% |
| $250,000 minimum | 3.00% | 3.05% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Not intended as tax advice. Please consult your financial and/or tax adviser.
Coverdell Certificate ESA
| Certificate ESA Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month Certificate | 4.25% | 4.34% |
| 12 Month Certificate | 4.00% | 4.08% |
| 18 Month Certificate | 3.80% | 3.87% |
| 24 Month Certificate | 3.80% | 3.87% |
| 36 Month Certificate | 3.50% | 3.56% |
| 48 Month Certificate | 3.25% | 3.30% |
| 60 Month Certificate | 3.25% | 3.30% |
| 72 Month Certificate | 3.25% | 3.30% |
*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of April 1, 2025.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity
Not intended as tax advice. Please consult your financial and/or tax adviser.
Certificate Accounts
| Certificate Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month Certificate | 4.25% | 4.34% |
| 12 Month Certificate | 4.00% | 4.08% |
| 18 Month Certificate | 3.80% | 3.87% |
| 24 Month Certificate | 3.80% | 3.87% |
| 36 Month Certificate | 3.50% | 3.56% |
| 48 Month Certificate | 3.25% | 3.30% |
| 60 Month Certificate | 3.25% | 3.30% |
| 72 Month Certificate | 3.25% | 3.30% |
*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of April 1, 2025.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity.
Not intended as tax advice. Please consult your financial and/or tax adviser.
Passbook IRA
| Passbook IRA Balance | Dividend Rate | APY* |
|---|---|---|
| Up to $2,499 | 0.05% | 0.05% |
| $2,500 minimum | 1.50% | 1.51% |
| $50,000 minimum | 2.00% | 2.02% |
| $100,000 minimum | 2.50% | 2.53% |
| $250,000 minimum | 3.00% | 3.05% |
*APY = Annual Percentage Yield
The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates listed effective as of April 1, 2025.
Not intended as tax advice. Please consult your financial and/or tax adviser.
Certificate IRA
| Certificate IRA Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month Certificate | 4.25% | 4.34% |
| 12 Month Certificate | 4.00% | 4.08% |
| 18 Month Certificate | 3.80% | 3.87% |
| 24 Month Certificate | 3.80% | 3.87% |
| 36 Month Certificate | 3.50% | 3.56% |
| 48 Month Certificate | 3.25% | 3.30% |
| 60 Month Certificate | 3.25% | 3.30% |
| 72 Month Certificate | 3.25% | 3.30% |
*APY = Annual Percentage Yield
Rates are not tied to an index and are subject to change at the credit union’s discretion.
Rates and terms listed effective as of April 1, 2025.
$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to the maturity
Not intended as tax advice. Please consult your financial and/or tax adviser.
