--- title: "Dover Credit Union: #1 HELOC in Delaware" description: "Dover Credit Union has the lowest tracked HELOC rate in Delaware (6.50% APR) among 5 credit unions we verify. Dover Credit Union rates today: auto loans from 5.24% APR, HELOC from 6.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Dover Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/delaware/dover" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Dover Credit Union: #1 HELOC in Delaware ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Used Auto Loan** auto_used | 5.240% APR | 5.240% | used | Standard | Dover Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | 6.500% APR | 6.500% | — | Standard | | **HELOC (Variable)** heloc_variable | 6.500% APR | 6.500% | — | Standard | Dover Credit Union heloc rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Cash Back Credit Card** credit_card_cash_back | 15.990% APR | 15.990% | — | Standard | Dover Credit Union credit card rates as of November 12, 2026 Auto loans available from 5.24% APR. HELOC rates from 6.5% APR. Credit card rates from 15.99% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/delaware/dover) , verified from [Dover Credit Union's official website](https://www.doverfcu.com/) Best product position **#1 of 5** HELOC Gap to state best **0 bp** State market leader Vs. state median **Matches state median** HELOC Products ranked **1** across tracked Delaware markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.50% | #1 of 5 · lowest in Delaware | State market leader | Matches state median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Dover Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=dover&state=delaware&code=DE&name=Dover%20Credit%20Union) Loading branch locator… ## About Dover Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 42.9K Assets $734.9M Founded 1958 Locations reported 9 NCUA charter 12443 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**American Spirit** American Spirit - Dover · Dover · DE · 19904 About 2.6 miles away](https://rateapi.dev/credit-unions/delaware/american-spirit) [**Provident** Main Branch · Dover · DE · 19904 About 3.4 miles away](https://rateapi.dev/credit-unions/delaware/provident) [**Delaware State Police** Cheswold · Dover · DE · 19901 About 6.2 miles away](https://rateapi.dev/credit-unions/delaware/delaware-state-police) [**Hanscom** Sudlersville · Sudlersville · MD · 21668 About 14.2 miles away](https://rateapi.dev/credit-unions/massachusetts/hanscom) [**Tidemark** Tidemark Federal Credit Union · Milford · DE · 19963 About 19.8 miles away](https://rateapi.dev/credit-unions/delaware/tidemark) [**Dexsta** Middletown · Middletown · DE · 19709-5806 About 20.8 miles away](https://rateapi.dev/credit-unions/delaware/dexsta) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Dover Credit Union Membership eligibility from Dover Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (Bayhealth) or the Friends of Bombay Hook - Employer Bayhealth - Association Friends of Bombay Hook **Cost to join:** About $5. Verified from [Dover Credit Union's membership page](https://www.doverfcu.com/join) . Final membership determination is always made by the credit union. ## Membership rules for Dover Credit Union Employers 2 · Associations 2 · Schools · Military · Family 7 published paths to membership, last verified August 21, 2026, quoted from Dover Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of U.S. Government “I serve or work for one of these military-based groups: Military personnel Civilian employees Contractors and retirees of the U. S. Government who work at or are assigned to the U.S. Air Force Dover Air Force Base and the Delaware National Guard” > [source ↗](https://www.doverfcu.com/join) - Employee of U.S. Government - Employee of Bayhealth “I am an employee, retired pensioner or an immediate family member who is eligible from: Bayhealth” > [source ↗](https://www.doverfcu.com/join) - Employee of Bayhealth ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Autism Delaware “I am a member or volunteer of one of these groups: Autism Delaware” > [source ↗](https://www.doverfcu.com/join) - Member of Autism Delaware - Member of Friends of Bombay Hook “If none apply – You can become a member of Friends of Bombay Hook , which will provide access to enjoy the benefits associated with being part of the Dover Federal family.” > [source ↗](https://www.doverfcu.com/join) - Member of Friends of Bombay Hook ### Schools 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Academy of Dover Charter School “I am a teacher, staff member or student of: Academy of Dover Charter School” > [source ↗](https://www.doverfcu.com/join) - Student at Academy of Dover Charter School ### Military 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Military affiliation “I serve or work for one of these military-based groups: Military personnel Civilian employees Contractors and retirees of the U. S. Government who work at or are assigned to the U.S. Air Force Dover Air Force Base and the Delaware National Guard” > [source ↗](https://www.doverfcu.com/join) - Military: Military personnel ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “I am an employee, retired pensioner or an immediate family member who is eligible from:” > [source ↗](https://www.doverfcu.com/join) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Dover Credit Union? Yes No ## Work at Dover Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Dover Credit Union ranks against Delaware peers. - See which AI assistants fetched Dover Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Delaware - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=dover&state=delaware&code=DE&name=Dover%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Dover Credit Union offer? Dover Credit Union currently offers Auto loan, HELOC, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Dover Credit Union rates updated? RateAPI verifies Dover Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Dover Credit Union's rate data? Rate data is collected directly from Dover Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Dover Credit Union's auto loan rates? As of November 12, 2026, Dover Credit Union offers auto loans from 5.24% APR. ### What is Dover Credit Union's HELOC rate? As of November 12, 2026, Dover Credit Union offers home equity lines of credit from 6.5% APR. ### Who can join Dover Credit Union? Membership via employers (Bayhealth) or the Friends of Bombay Hook RateAPI tracks 7 published membership paths covering 2 employers, 2 associations, 1 school and 1 military for Dover Credit Union, each quoted from Dover Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Dover Credit Union's rates against national credit-union benchmarks. [More Delaware credit unions](https://rateapi.dev/credit-unions/delaware) [Delaware auto loan rate leaders](https://rateapi.dev/auto-loan-rates/delaware) [Delaware HELOC rate leaders](https://rateapi.dev/heloc-rates/delaware) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.doverfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Dover Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Delaware credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Dover Credit Union curl "https://api.rateapi.dev/credit-unions/delaware /dover " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Dover Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/delaware/dover Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp