Dow Credit Union | Preferred Checking

Preferred Checking is Here!

Take control of your financial future with banking that is light years ahead. Watch your earnings soar with our new Preferred Checking account that rewards you for everyday activities.
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Join Dow Credit Union | Become a Member

Financial Success is for Everyone

At Dow Credit Union, financial success isn't just for a few - it's for everyone. And you can join too. Nationally recognized for exceptional member value, we are a top destination for borrowers and savers.

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Newsweek has recognized Dow Credit Union as one of America’s Best Regional Banks and Credit Unions for 2025

Nationally Recognized, Locally Loved

Newsweek named Dow Credit Union one of America’s Best Credit Unions for 2025! With competitive rates, low fees, and a commitment to giving back, everything we do is driven by and for our members.
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Live the Lake Life with a Boat Loan from Dow Credit Union

Splash into Summer Savings

Whether you're dreaming of fishing, wakeboarding, or cruising into the sunset, your perfect adventure starts with the right boat—and the right financing.
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Earn with Ease

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Simple CD

Annual Percentage Yield
As High As

4.40%

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Simple High Yield Deposit

Annual Percentage Yield
As High As

3.51%

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Launch into Preferred Checking!

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Membership Open to All

Member-owners of Dow Credit Union take pride in:


  • $0 NSF fees (no, that’s not a typo)
  • Being the largest and fastest growing credit union*
  • Achieving national recognition from the Wall Street Journal and Newsweek
  • Delivering the best deposit rates of any credit union*
  • Giving back over $300 million to members since 1980**
  • Supporting communities as Multipliers for Good

Join our network of over 80,000 members across all 50 states and 40 countries!

*Based in the Great Lakes Bay Region. **While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply.

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Join and Save with a Great Rate

Save time and lock in a great rate by applying for a variety of funding options at the same time as your membership, including:

 

Automotive Loans

Recreational Vehicle Loans

Personal Loans

Credit Cards

 

 Ask us how to gain exclusive rate discounts by moving your direct deposit!

*While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan products are eligible for Member Giveback consideration. Some limitations apply. All loans subject to approval.

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Why Members Choose Us

I have been with this credit union since 1988. I have always been greeted kindly and had professional service. They are full service and provide a gamut of banking provisions. I have also had to call when abroad and the staff has been super helpful. What else can one ask for? Cheers!
Robert M.
Member
I've been a member for decades. Dow Credit Union is the best financial institution I've ever used. Friendly, knowledgeable service, and great rates.
Jason H.
Member
I love how helpful they are, they've really worked with me to improve my debt situation and are truly life changing.
Jacqueline C.
Member
I have been with this Credit Union for over 25 years. I would recommend them to everyone and do all the time!
Cheryl S.
Member
Great place. Approve loans quickly and have always treated me very well. Would not go anywhere else. 
Jean H.
Member
Employees are friendly and helpful. Happy to have a branch in Saginaw.
Ann L.
Member
This is the best full service financial institution in Michigan. I've been a member for almost 50 years. Dow credit union has consistently paid the highest interest rates on CDs. Very happy all around. Also, very good employees.
Kim M.
Member

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Get a Great Rate

We have loans for every adventure! Enjoy competitive rates and personalized service that let you focus on the journey ahead.
Explore RV Loans

Stay Informed

Press Release
Launch into Preferred Checking with Dow Credit Union!

Earn over $1,000 a Year with Dow Credit Union’s New Preferred Checking Account

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Business
Jeremy Gwizdala, Owner of Gwizdala Property Management

Interview with Jeremy Gwizdala, Owner of Gwizdala Property Management

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Dow Credit Union | Membership Open to All

Dow Credit Union Opens Membership to All of Michigan and Eliminates NSF Fees

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