What are the current interest rates at Dover Federal Credit Union?

Current rates for Dover Federal Credit Union include: Savings: 2.00%

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Dover Federal Credit Union

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Dover Federal Credit Union Rates & Review April 2026

Q: Is a member application needed to join Dover Federal Credit Union?

Yes, to access services at Dover Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dover Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 18, 2026

Dover Federal Credit Union's 6-Month CD rates are at 3.50%. Dover Federal Credit Union's savings rates are at 2.00%. MonitorBankRates evaluates the financial stability of Dover Federal Credit Union with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.46%. Rates were last updated on 04/18/2026.

Dover Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dover Federal Credit Union? Share your experience about Dover Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Dover Federal Credit Union.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

21.46%

Good Higher than avg

Dover Federal Credit Union
Corporate Center

1075 Silver Lake Blvd
Dover, DE 19904 2411

https://doverfcu.com

Dover Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
6-Month Certificate	-	3.50%	6
Min Deposit $500 Details 6-Month term not available on IRA Certificates. APY = 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. Last Updated 04/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.46%

Dover Federal Credit Union Savings Rates

Product	Rate	APY	View More
High-Yield Savings	-	2.00%
Details on all balances up to $49,999; APY = Annual Percentage Yield. APY subject to change at any time. APY assumes compounding of dividends. Last Updated 04/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.46%

Dover Federal Credit Union Checking Rates

Product	Rate	APY	View More
Interest Checking	-	2.75%
Details on balances up to $15,000; APY = Annual Percentage Yield. APY subject to change at any time. APY assumes compounding of dividends. Last Updated 04/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.46%

Dover Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity	-	-	5.85%
Details A single loan advance on your home's equity that gives you convenient repayment terms that you need. 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 may not apply to refinances of existing Dover FCU loans. Last Updated 04/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.46%
Home Equity Line of Credit5	-	-	6.25%
Details Home 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. 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 may not apply to refinances of existing Dover FCU loans. Last Updated 04/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.46%

Dover Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Cash Back Mastercard®	-	15.99%
Details 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 may not apply to refinances of existing Dover FCU loans. Last Updated 04/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Dover Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Dover Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dover Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Dover Federal Credit Union

Website https://doverfcu.com

Address 1075 Silver Lake Blvd, Dover, DE 19904 2411

Phone 302-678-8000

Fax

President Jeannette Schuler

CEO Janell Upton

Full-Time Employees 142

Part-Time Employees 0

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.5 / 5.0 ★

Overall Health & Safety Grade

B (84/100)

Texas Ratio

21.46%

Return on Assets (ROA)

0.2997%

Return on Equity (ROE)

3.8087%

Non-Performing Loans Ratio (NPL)

2.20%

Total Assets

709,879,697

Total Amount of Shares and Deposits

651,339,207

Total Shares and Deposits < 1 Year

609,740,746

Total Shares and Deposits 1 3 Years

39,330,960

Total Shares and Deposits > 3 Years

2,267,501

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

42,149,187

Total Uninsured Shares and Deposits > $250K (F+J)

42,149,187

Total Insured Shares and Deposits > $250K (item 17 less item K)

609,190,020

Total Interest Expense (Sum of items 6 8)

6,526,946

Share Certificates

5,564

Number of Accounts for Share Drafts

29,329

IRA KEOGH Accounts

1,593

Number of Accounts for Regular Shares

66,122

All other shares

110

Non Member Deposits

Money Market Shares

967

Net Income (unless the amount is already included in Undivided Earnings)

2,127,565

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

53,977,820

Total Liabilities

656,986,693

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Dover Federal Credit Union

Is Dover Federal Credit Union a safe place to deposit money?

Yes, Dover Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 21.457324111017%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Dover Federal Credit Union operate?

Dover Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Dover Federal Credit Union?

Yes, to access services at Dover Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Dover Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dover Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Dover Federal Credit Union offer online and mobile banking?

Most modern institutions like Dover Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://doverfcu.com.