Bank with Confidence. Earn with Ease.
Grow your hard-earned money effortlessly with Dow Credit Union.
Dow Credit Union offers some of the nation’s top rates1, a Member Saver Reward2, and a wide portfolio of financial solutions to maximize your money. Our high-yield accounts deliver competitive returns, while our Certificates of Deposit3 provide secure, fixed rates for steady growth. Grow your hard-earned money effortlessly by putting your money to work.
Grow Money with the Right Savings Accounts
Grow wealth effortlessly with our savings accounts. Enjoy flexible access, competitive rates, low minimum balance requirements, low fees, the opportunity to earn dividends4, the perks of our Member Saver Reward on eligible accounts, and the security of NCUA insurance.
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Lock in a Great CD Rate for Steady Growth
Certificates of Deposit are a secure and reliable way to grow your money. With fixed rates that ensure steady growth, our CDs offer more predictable returns. Enjoy peace of mind knowing you're earning interest at competitive rates while choosing a CD term that's best for you.
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Save More with a Health Savings Account
Manage your health expenses while enjoying tax advantages and competitive interest rates. Our HSAs, for those with High-Deductible Health Plans, offer tax-free contributions, easy payments, and annual rollover of unused funds. After age 65, it can also serve as retirement savings.
Learn More- Investopedia, 07/10/2025, Best 3-Month CD Rates for July 2025 - DepositAccounts, 07/20/2025, Best 3-Month CD Rates in July 2025 - Business Insider, 09/2025, Best 3-Month CD Rates in September 2025
- While the Member Saver Reward occurs with great regularity, this credit union benefit is not guaranteed. The Member Saver Reward benefit is determined by the Dow Credit Union Board of Directors and is paid out on January 1st to the Prime Savings Account as a lump sum deposit based on earnings from eligible deposit products.
- Starting minimum deposit of $500. 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.
- Dividends on share accounts are prospective and therefore are not guaranteed. The prospective dividends are declared by Dow Credit Union's Board of Directors.
