Featured Rates
Maximize Your Membership with Great Rates
Dow Credit Union offers competitive rates across a variety of financial products to help members maximize their savings and minimize borrowing costs. From attractive rates on savings accounts and Certificates of Deposit (CDs) to low rates on auto loans, personal loans, and mortgages, Dow Credit Union is dedicated to providing value and flexibility. With a focus on member success, the featured rates are designed to fit different financial needs and goals, ensuring that members get the most out of their money at every stage of life.
Earn with Ease
Grow your hard-earned money effortlessly by putting your money to work.
We offer some of the nation’s top rates, a Member Saver Reward1, and a wide portfolio of financial solutions to grow your money. Our high-yield accounts deliver competitive returns, while our Certificates of Deposit provide secure, fixed rates for steady growth. If you're unsure where to start, our friendly Member Care Center consultants are here to help you craft a personalized plan to make your money work harder for you.
Borrow with Confidence
Benefit from competitive, low interest rates on loans!
Our tailored lending solutions, including personal loans, auto and recreational vehicle loans, home loans, HELOCs, credit cards, and revolving lines of credit, make borrowing both affordable and convenient. When you borrow money, we know it’s temporary. That’s why we offer competitive rates and the flexibility to create a solution that suits you, giving you the freedom to achieve your goals and spend more time doing what you love.
Maximize Your Purchasing Power
Enjoy the simplicity of managing your money and making transactions!
Maximize your purchasing power with Dow Credit Union, where our debit cards offer fewer fees, attractive Member Saver Rewards2, and convenient tap-to-pay options for seamless shopping. Our checking accounts, credit cards, and debit cards make banking both simple and rewarding. With Anywhere Banking options, you can effortlessly manage your finances, no matter where life takes you. Plus, our automatic bill pay features allow you to set it and forget it. Enjoy the ease and benefits of banking with Dow Credit Union!
- While the Member Giveback occurs with great regularity, this credit union benefit is not guaranteed. The Member Giveback 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 and loan products. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply.
- APY = Annual Percentage Yield. Prospective Rates effective 10/01/2024. Dividends on share savings and checking accounts are prospective and therefore are not guaranteed. The prospective dividends are declared quarterly by Dow Credit Union's Board of Directors.
- APY = Annual Percentage Yield. Rate effective 12/06/2024 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. Business Insider, 12/2024, https://www.businessinsider.com/personal-finance/best-3-month-cd-rates.
- APY = Annual Percentage Yield. Rates effective 10/1/2024 and subject to change on a daily basis. 3.51% APY rate eligible on Simple High-Yield account balances $500,000.00+.
- APR= Annual Percentage Rate. Rates effective 9/16/2024. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Certain restrictions may apply.
- APR= Annual Percentage Rate. Rates effective 12/17/2024. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Limited to developed, non-agricultural, non-income producing homes located within Michigan. Purchase of Private Mortgage Insurance (PMI) required for financing above 80%. Other limitations may apply. APR based on a no point $150,000 loan with 80% loan-to-value.
- Rates effective 12/17/2024. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Limited to developed, non-agricultural, non-income producing homes located within Michigan. Other limitations may apply. APR based on a $40,000 loan.
- APR= Annual Percentage Rate. Rates effective 9/16/2024. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. Certain restrictions may apply.
- APR= Annual Percentage Rate. Variable Rate as of 11/22/2024. APR will vary with the market based on the prime rate.