Your Benjamins Can Earn More 'On-the-Job' With These High-Interest Accounts
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- APY = Annual Percentage Yield. Rates effective 08/07/2025 and subject to change on a daily basis. 3.51% APY rate eligible on Simple High-Yield account balances $150,000 - $499,999.99.
- APY = Annual Percentage Yield. Rate effective 12/16/2025 and subject to change on a daily basis. APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. Starting minimum deposit is $500. 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.
- APY = Annual Percentage Yield. Rates subject to change. Preferred Checking is a free, variable-rate account with no minimum balance that pays the Preferred Rate on balances up to $20,000 when Qualifying Activities are met during the Monthly Qualification Cycle. Balances over $20,000 and all balances during cycles when qualifications aren’t met earn the Classic Rate. Qualifying Activities to earn the Preferred Rate, you must each month: (1) make at least 15 debit card purchases, (2) receive at least $900 in qualifying direct deposits, (3) sign in to online or mobile banking at least once, and (4) be enrolled in paperless delivery for all statements, tax forms, and notices. See Credit Union for details.
Why Your Benjamins Love These Accounts
Earn More with Ease
Let your Benjamins grow effortlessly—these accounts earn significantly more than traditional accounts.
Reliable, Steady Growth
Know exactly how your Benjamins are performing. Interest accrues at a known rate, helping your money increase consistently without exposure to market volatility.
Low Risk
Grow your balance with confidence. Your Benjamins remain protected while steadily earning interest.
Small Decisions, Big Results
Regular deposits—even small ones—create compounding progress over time. Simple habits can lead to meaningful financial gains.
Explore More High-Earning Opportunities!
Simple High Yield Deposit
| Balance | Interest Rate1 | APY2 |
|---|---|---|
| $0 - $2,499.99 | 2.26% | 2.28% |
| $2,500 - $9,999.99 | 2.26% | 2.28% |
| $10,000 - $49,999.99 | 2.26% | 2.28% |
| $50,000 - $99,999.99 | 2.92% | 2.95% |
| $100,000 - $149,999.99 | 3.19% | 3.23% |
| $150,000 - $499,999.99 | 3.46% | 3.51% |
| $500,000+ | 3.46% | 3.51% |
- Rates are subject to change on a daily basis.
- APY = Annual Percentage Yield
Simple CDs
| Term Length | Interest Rate2 | APY3 |
|---|---|---|
| 3 Months | 3.93% | 4.00% |
| 6 Months | 3.83% | 3.90% |
| 12 Months | 3.69% | 3.75% |
| 13 Months SPECIAL | 3.83% | 3.90% |
| 18 Months | 3.59% | 3.65% |
| 24 Months | 3.45% | 3.51% |
| 36 Months | 3.64% | 3.70% |
| 48 Months | 3.49% | 3.55% |
| 60 Months | 3.49% | 3.55% |
- 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.
- 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.
Preferred Checking
| Rate | |||
|---|---|---|---|
| Classic Rate | |||
| Preferred Rate | On balances up to $20,000 after qualifying activities. |
APY = Annual Percentage Yield. Rates subject to change. Preferred Checking is a free, variable-rate account with no minimum balance that pays the Preferred Rate on balances up to $20,000 when Qualifying Activities are met during the Monthly Qualification Cycle. Balances over $20,000 and all balances during cycles when qualifications aren’t met earn the Classic Rate. Qualifying Activities to earn the Preferred Rate, you must each month: (1) make at least 15 debit card purchases, (2) receive at least $900 in qualifying direct deposits, (3) sign in to online or mobile banking at least once, and (4) be enrolled in paperless delivery for all statements, tax forms, and notices. See Credit Union for details.
