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See our CDs page for current rates.
Applying is Fast and Easy!
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.
Want to Talk to Us Direct?
Our team can help! Contact us to learn more about membership and our products and services.
Visit us in Midland
600 E Lyon, Midland, MI 48640
7:30 a.m. – 5:30 p.m. ET
Monday through Friday
Visit us in Saginaw
5420 Gratiot, Saginaw, MI 48638
9:00 a.m. – 5:00 p.m. ET
Monday through Friday
Call Us
1.800.835.7794
1The 3-Month Simple CD is not eligible for Member Giveback consideration.
Rates effective as of 04/08/2025. Starting minimum deposit of $500. Rates are subject to change on a daily basis. Annual Percentage Yield (APY) assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.