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DoverPhila Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 30, 2026
DoverPhila Federal Credit Union's CD Accounts - 24 Month CD rates are at 4.66%, CD Accounts - 18 Month CD rates are at 4.55%, CD Accounts - 12 Month CD rates are at 4.45%, CD Accounts - 6 Month CD rates are at 4.08%, CD Accounts - 36 Month CD rates are at 3.30%. DoverPhila Federal Credit Union's money market rates are at 2.53%. DoverPhila Federal Credit Union's Personal Loan Rates are as low as 10.00%. DoverPhila Federal Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of DoverPhila Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.39%. Rates last updated and verified on 10/30/2026.
DoverPhila 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 DoverPhila Federal Credit Union? Share your experience about DoverPhila Federal Credit Union by leaving a review below, or read customer reviews before you decide to use DoverPhila Federal Credit Union.
DoverPhila Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
DoverPhila Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.39%
ExcellentLower than avg
DoverPhila Federal Credit Union Texas Ratio
DoverPhila Federal Credit Union's Texas Ratio is 2.39%, which is considered excellent and is lower than the national average of 6.13%.
DoverPhila Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.17% to 2.39% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
DoverPhila Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificate Accounts - 24 Month Certificate
4.55%
4.66%
24 months
Min Balance$500
Details$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to maturity
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 3.67% → 4.66% ▲ 0.99 pts · high 4.66% / low 3.67%
Oct 26, 20264.66%▲ from 3.67%
Oct 19, 20263.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate IRA - 24 Month Certificate
4.55%
4.66%
24 Month
DetailsDividend Rate with APY*; Rates effective as of October 21, 2026
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 3.67% → 4.66% ▲ 0.99 pts · high 4.66% / low 3.67%
Oct 26, 20264.66%▲ from 3.67%
Sep 18, 20263.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate Accounts - 18 Month Certificate
4.45%
4.55%
18 months
Min Balance$500
Details$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to maturity
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 3.67% → 4.55% ▲ 0.88 pts · high 4.55% / low 3.67%
Oct 26, 20264.55%▲ from 3.67%
Oct 19, 20263.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate IRA - 18 Month Certificate
4.45%
4.55%
18 Month
DetailsDividend Rate with APY*; Rates effective as of October 21, 2026
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 3.67% → 4.55% ▲ 0.88 pts · high 4.55% / low 3.67%
Oct 26, 20264.55%▲ from 3.67%
Sep 18, 20263.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate Accounts - 12 Month Certificate
4.35%
4.45%
12 months
Min Balance$500
Details$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to maturity
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 3.82% → 4.45% ▲ 0.63 pts · high 4.45% / low 3.82%
Oct 26, 20264.45%▲ from 3.82%
Oct 19, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate IRA - 12 Month Certificate
4.35%
4.45%
12 Month
DetailsDividend Rate with APY*; Rates effective as of October 21, 2026
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 3.82% → 4.45% ▲ 0.63 pts · high 4.45% / low 3.82%
Oct 26, 20264.45%▲ from 3.82%
Sep 18, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate Accounts - 6 Month Certificate
4.00%
4.08%
6 months
Min Balance$500
Details$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to maturity
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate IRA - 6 Month Certificate
4.00%
4.08%
6 Month
DetailsDividend Rate with APY*; Rates effective as of October 21, 2026
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 4.08% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate Accounts - 36 Month Certificate
3.25%
3.30%
36 months
Min Balance$500
Details$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to maturity
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate Accounts - 48 Month Certificate
3.25%
3.30%
48 months
Min Balance$500
Details$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to maturity
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate Accounts - 60 Month Certificate
3.25%
3.30%
60 months
Min Balance$500
Details$500 minimum balance and dividend forfeiture for principal monies withdrawn prior to maturity
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate IRA - 36 Month Certificate
3.25%
3.30%
36 Month
DetailsDividend Rate with APY*; Rates effective as of October 21, 2026
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate IRA - 48 Month Certificate
3.25%
3.30%
48 Month
DetailsDividend Rate with APY*; Rates effective as of October 21, 2026
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Certificate IRA - 60 Month Certificate
3.25%
3.30%
60 Month
DetailsDividend Rate with APY*; Rates effective as of October 21, 2026
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 3 times
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
DoverPhila Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Insured Money Market
2.50%
2.53%
Min Balance$250,000
DetailsBalance: $250,000 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Insured Money Market
2.25%
2.28%
Min Balance$100,000
DetailsBalance: $100,000 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Insured Money Market
1.75%
1.77%
Min Balance$50,000
DetailsBalance: $50,000 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.77% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Insured Money Market
1.50%
1.51%
Min Balance$2,500
DetailsBalance: $2,500 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Insured Money Market
0.05%
0.05%
DetailsBalance: up to $2,499
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
DoverPhila Federal Credit Union Checking Rates
Product
Rate
APY
View More
Share Draft Personal Checking
0.00%
0.00%
DetailsRates listed effective as of October 1, 2026
Last Updated10/30/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
DoverPhila Federal Credit Union Business Checking Rates
Product
Rate
APY
View More
Share Draft Business Checking
0.00%
0.00%
DetailsRates listed effective as of October 1, 2026
Last Updated10/30/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
DoverPhila Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
5.24%
72 month
DetailsAs Low As; Credit Score: 730+; Model / Year: New/Untitled; New and Previously Untitled collateral can have terms up to 72 Months; prices $50k and above are eligible for 84 Month term, add 1.00%
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 5.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loan
-
-
5.74%
72 month
DetailsAs Low As; Credit Score: 730+; Model / Year: 2021-2026
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 5.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loans - Cars, Trucks, Vans, and Motorcycles
-
-
6.24%
72 month
DetailsAs Low As; Credit Score: 729-680; Model / Year: 2021-2026
Last Updated10/30/2026
Rate History
2 changes since Oct 14, 2026 · 5.49% → 6.24% ▲ 0.75 pts · high 6.49% / low 5.49%
Oct 30, 20266.24%▼ from 6.49%
Oct 19, 20266.49%▲ from 5.49%
Oct 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loan
-
-
6.74%
60 month
DetailsAs Low As; Credit Score: 730+; Model / Year: 2014-2020
DetailsAs Low As; Model / Year: All Years; Not all will qualify for lowest rate
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 6.49% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.49%
Oct 30, 20267.24%▲ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loan
-
-
7.74%
72 month
DetailsAs Low As; Credit Score: 639-600; Model / Year: New/Untitled; Monthly Pymt per $1,000 Borrowed: $17.41; New and previously untitled collateral can have terms up to 72 months
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 7.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loan
-
-
8.24%
72 month
DetailsAs Low As; Credit Score: 639-600; Model / Year: 2021-2026; Monthly Pymt per $1,000 Borrowed: $17.65
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 8.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loan - Cars, Trucks, Vans, and Motorcycles
-
-
9.74%
72 month
DetailsAs Low As; Credit Score: 599-550; Model Year: New/Untitled; Terms up to 72 months for New and Previously Untitled collateral; prices $50k and above eligible for 84 month term, add 1.00%
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 11.49% → 9.74% ▼ 1.75 pts · high 11.49% / low 9.74%
Oct 30, 20269.74%▼ from 11.49%
Oct 14, 202611.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loan - New/Untitled
-
-
9.74%
72 month
DetailsAs Low As; Credit Score: 599-550; Model / Year: New/Untitled; Term footnote: New and Previously Untitled collateral can have terms up to 72 Months; prices $50k and above are eligible for 84 Month term, add 1.00%; Not all will qualify for lowest rate
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 9.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loan - 2021-2026
-
-
10.24%
72 month
DetailsAs Low As; Credit Score: 599-550; Model / Year: 2021-2026; Not all will qualify for lowest rate
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 10.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loan - Cars, Trucks, Vans, and Motorcycles
-
-
10.24%
72 month
DetailsAs Low As; Credit Score: 599-550; Model Year: 2021-2026
Last Updated10/30/2026
Rate History
2 changes since Oct 14, 2026 · 9.49% → 10.24% ▲ 0.75 pts · high 11.49% / low 9.49%
Oct 30, 202610.24%▼ from 11.49%
Oct 19, 202611.49%▲ from 9.49%
Oct 14, 20269.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Auto Loan - Cars, Trucks, Vans, and Motorcycles
-
-
11.74%
72 month
DetailsAs Low As; Credit Score: 549 <; Model / Year: New/Untitled; *New and Previously Untitled collateral can have terms up to 72 Months; prices $50k and above eligible for 84 Month term, add 1.00%
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49%
DetailsAs Low As; Rates and terms listed effective as of October 1, 2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 10.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
DoverPhila Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
10.00%
60 month max
DetailsAs Low As; APR as low as* for Personal loans; Not all will qualify for lowest rate
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
DoverPhila Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Share Covered Loan - Shared Covered Loans
-
-
3.00%
24 month max term
DetailsAPR as low as; Monthly Pymt per $1,000 Borrowed: $42.98; **Additional terms and rates available
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Certificate ESA - 12 Month Certificate
4.35%
-
4.45%
12 Month
Min Balance$500
DetailsCoverdell Certificate ESA; $500 minimum balance; dividend forfeiture for principal withdrawn prior to maturity
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 3.82% → 4.45% ▲ 0.63 pts · high 4.45% / low 3.82%
Oct 26, 20264.45%▲ from 3.82%
Oct 14, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Certificate ESA - 18 Month Certificate
4.45%
-
4.55%
18 Month
Min Balance$500
DetailsCoverdell Certificate ESA; $500 minimum balance; dividend forfeiture for principal withdrawn prior to maturity
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 3.67% → 4.55% ▲ 0.88 pts · high 4.55% / low 3.67%
Oct 26, 20264.55%▲ from 3.67%
Oct 14, 20263.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Certificate ESA - 24 Month Certificate
4.55%
-
4.66%
24 Month
Min Balance$500
DetailsCoverdell Certificate ESA; $500 minimum balance; dividend forfeiture for principal withdrawn prior to maturity
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 3.67% → 4.66% ▲ 0.99 pts · high 4.66% / low 3.67%
Oct 26, 20264.66%▲ from 3.67%
Oct 14, 20263.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Certificate ESA - 36 Month Certificate
3.25%
-
3.30%
36 Month
Min Balance$500
DetailsCoverdell Certificate ESA; $500 minimum balance; dividend forfeiture for principal withdrawn prior to maturity
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Certificate ESA - 48 Month Certificate
3.25%
-
3.30%
48 Month
Min Balance$500
DetailsCoverdell Certificate ESA; $500 minimum balance; dividend forfeiture for principal withdrawn prior to maturity
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Certificate ESA - 6 Month Certificate
4.00%
-
4.08%
6 Month
Min Balance$500
DetailsCoverdell Certificate ESA; $500 minimum balance; dividend forfeiture for principal withdrawn prior to maturity
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.08% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Certificate ESA - 60 Month Certificate
3.25%
-
3.30%
60 Month
Min Balance$500
DetailsCoverdell Certificate ESA; $500 minimum balance; dividend forfeiture for principal withdrawn prior to maturity
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Passbook ESA
1.50%
-
1.51%
Min Balance$2,500
DetailsBalance: $2,500 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Passbook ESA
1.75%
-
1.77%
Min Balance$50,000
DetailsBalance: $50,000 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.77% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Passbook ESA
2.25%
-
2.28%
Min Balance$100,000
DetailsBalance: $100,000 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Coverdell Passbook ESA
2.50%
-
2.53%
Min Balance$250,000
DetailsBalance: $250,000 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Passbook IRA
1.50%
-
1.51%
Min Balance$2,500
DetailsBalance: $2,500 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Passbook IRA
1.75%
-
1.77%
Min Balance$50,000
DetailsBalance: $50,000 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.77% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Passbook IRA
2.25%
-
2.28%
Min Balance$100,000
DetailsBalance: $100,000 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Passbook IRA
2.50%
-
2.53%
Min Balance$250,000
DetailsBalance: $250,000 minimum
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Passbook IRA
0.05%
-
0.05%
DetailsBalance: Up to $2,499
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.39%
Financial Health History
DoverPhila Federal Credit Union’s Texas Ratio stayed near 2.17% in Q3 2023 to 2.39% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$813M
2.39%
5.0
A+
March 31, 2026
$800M
1.79%
5.0
A+
December 31, 2025
$785M
2.73%
5.0
A+
September 30, 2025
$763M
2.18%
5.0
A+
June 30, 2025
$755M
2.34%
5.0
A+
March 31, 2025
$742M
1.82%
5.0
A+
December 31, 2024
$705M
2.57%
5.0
A+
September 30, 2024
$689M
2.32%
5.0
A+
June 30, 2024
$680M
2.34%
5.0
A+
March 31, 2024
$679M
1.75%
5.0
A+
December 31, 2023
$663M
2.64%
5.0
A+
September 30, 2023
$646M
2.17%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for DoverPhila 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 DoverPhila 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 DoverPhila Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
42,960,074
Total Uninsured Shares and Deposits > $250K (F+J)
42,960,074
Total Insured Shares and Deposits > $250K (item 17 less item K)
675,684,817
Total Interest Expense (Sum of items 6 8)
6,640,720
Share Certificates
5,719
Number of Accounts for Share Drafts
27,577
IRA KEOGH Accounts
2,009
Number of Accounts for Regular Shares
46,826
All other shares
1,172
Money Market Shares
4,830
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
28,941,846
Total Liabilities
724,279,124
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
DoverPhila Federal Credit Union earned the Verified Healthy badge
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Learn more about the MBR Health & Safety Badge program on our methodology page.
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Frequently Asked Questions About DoverPhila Federal Credit Union
Does DoverPhila Federal Credit Union offer CDs?
Yes. DoverPhila Federal Credit Union current CD rates include its CD Accounts - 24 Month CD at 4.66% APY, its CD Accounts - 18 Month CD at 4.55% APY and its CD Accounts - 12 Month CD at 4.45% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from DoverPhila Federal Credit Union NCUA insured?
Yes. DoverPhila Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at DoverPhila Federal Credit Union?
The highest DoverPhila Federal Credit Union CD rate is its CD Accounts - 24 Month CD at 4.66% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does DoverPhila Federal Credit Union offer?
DoverPhila Federal Credit Union CD rates are 4.08% APY for a 6 month CD, 4.45% APY for a 12 month CD, 4.55% APY for an 18 month CD, 4.66% APY for a 2 year CD, 3.30% APY for a 3 year CD and 3.30% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with DoverPhila Federal Credit Union for its full lineup.
What is the highest money market rate at DoverPhila Federal Credit Union?
The highest DoverPhila Federal Credit Union money market rate is its Insured Money Market at 2.53% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest auto loan rate at DoverPhila Federal Credit Union?
The lowest DoverPhila Federal Credit Union auto loan rate is its Auto Loan at 5.24% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at DoverPhila Federal Credit Union?
The lowest DoverPhila Federal Credit Union personal loan rate is its Personal Loan at 10.00% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does DoverPhila Federal Credit Union operate?
DoverPhila 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 DoverPhila Federal Credit Union?
Yes, to access services at DoverPhila 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, DoverPhila 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, DoverPhila Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does DoverPhila Federal Credit Union offer online and mobile banking?
Most modern institutions like DoverPhila 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: http://www.dpfcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do DoverPhila Federal Credit Union rates compare?
DoverPhila Federal Credit Union's CD rates are 37% higher than the MonitorBankRates national average, and it has an A+ health rating. DoverPhila Federal Credit Union's top rates are its CD Accounts - 24 Month CD at 4.66% APY, its Insured Money Market at 2.53% APY and its Personal Loan at 10.00% APR, verified by MonitorBankRates on October 30, 2026.
Current DoverPhila Federal Credit Union Rates
12-Month CD4.45%
18-Month CD4.55%
24-Month CD4.66%
60-Month CD3.30%
MMA2.53%
Retrieved from our database of financial products. Rates subject to change.