Lock in a 5.30% APY 3-Month Simple CD

Members can simply sign in to online banking and open a CD, or visit one of our branches. If you aren't a member yet, why not? See how you can join, and lock in 5.30% annual percentage yield!

Sign In & Open Open As New Member

Automatic renewal for another 3-Month Simple CD or another CD product is available.
The 3-Month Simple CD is not eligible for Member Giveback consideration.

3-Month Simple CD

Limited Time Offer


5.30% APY1

Learn More

Don't miss out on our other great products!

See our CDs page for current rates.

Steps to Enroll in Our Savings Products


Applying is Fast and Easy!

To apply online, applicants must be a U.S. citizen and eligible for membership. Prior to completing the application, you will be asked to give Dow Credit Union authorization to pull a credit report for each applicant 18 years of age or older.

Become a Member

Lock in these rates today! Apply to become a Dow Credit Union member.

Already a member?

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Want to Talk to Us Directly?

Visit Our Branches

600 E Lyon, Midland, MI 48640

7:30 a.m. – 5:30 p.m. EST

Open Monday through Friday.


5420 Gratiot Rd, Saginaw, MI 48640

9:00 a.m. – 5:00 p.m. EST

Open Monday through Friday.


Call Us


1The 3-Month Simple CD is not eligible for Member Giveback consideration.

Rates effective as of 12/28/2023. 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.