Dow Credit Union Business Loans
We go ALL IN on helping Michigan businesses be their best!
DOW CREDIT UNION BUSINESS LOANS
Funding for movers, shakers, and let's-do-this moments.
Put big ideas and bold moves into action with a loan or line of credit designed to meet the moment. Whether fueling growth, managing cash flow, or seizing the opportunity when it knocks, you can rest easy knowing we have your back.
BUSINESS LOAN TYPES
Loans for every business need.
Vehicle Loans
Real Estate Loans
Equipment Loans
Office Loans
Technology Loans
Software Loans
Lines of Credit
Credit Cards
BUSINESS VEHICLE LOANS1
Keep Things Moving
When covering territory accelerates business, we can help you keep business moving and on the road.
BUSINESS REAL ESTATE LOANS1
Open New Doors
From the first storefront to the next, we understand that a good location makes all the difference in the world.
BUSINESS EQUIPMENT LOANS1
Equip For Success
From the first investment to the next, we know reliable equipment keeps operations running smoothly.
BUSINESS OFFICE & TECH LOANS1
Make Work Shine
Desks, laptops, phones, software... the list is long, allow us to help give your team the tools to work efficiently.
SECURED & UNSECURED LINES OF CREDIT1
Always Be Ready
Balancing costs and opportunities take flexibility and working capital. With our LOC, you can use, repay, and repeat.UNSECURED BUSINESS LINE OF CREDIT
Unlock flexible financing with an unsecured Business Line of Credit at 8.75% Variable APR*. Enjoy interest-only payments for the first two years and optional checking overdraft protection.1
*APR = Annual Percentage Rate
1. APR = Annual Percentage Rate. Rates effective 05/01/2026. The Unsecured Business Line of Credit Annual Percentage Rate (APR) may vary monthly, based on the Wall Street Journal Prime Rate plus 2.00% (the margin) in effect on the 25th of the previous month. The Business Line of Credit has a 2-year draw period during which the minimum monthly payment is interest-only; making interest-only payments may result in a significantly higher monthly payment once the loan enters the repayment period. After the draw period ends, the loan enters a 5-year repayment period, during which the outstanding balance is amortized and payments will include both interest and principal. All loans are subject to evaluation of Business qualifications and creditworthiness. Creditworthiness will consider the financials of the business as well as the credit worthiness of all Business owners with 25% or more ownership in the business. Business owners with 25% or more ownership will be required as personal guarantors for the loan. All business applicants are unique and some exceptions may apply. All applications are subject to final credit approval. Additional restrictions may apply. Membership Required.
BUSINESS CREDIT CARDS
Charge into your next power move.
Featuring a competitive 10.49% variable APR*, our Low Rate Visa® Credit Card helps businesses manage expenses, support healthy cash flow, and keep more money where it belongs—in your business. Plus, enjoy a 0.00% introductory APR* on balance transfers for up to 15 months.2
*APR = Annual Percentage Rate
2. LOW RATE VISA® BUSINESS CREDIT CARD DISCLOSURES
Credit Card Disclosures
Dow Credit Union is providing the following information to you pursuant to federal law. Please review prior to your application. This page may be printed and retained for future reference.
Low Rate Visa Business Credit Card® Credit Card Disclosure
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INTEREST RATES AND INTEREST CHARGES |
Low Rate |
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Annual Percentage Rate
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10.49% After that, your APR will vary with the market based on the Prime Rate. |
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Annual Percentage Rate (APR) for Balance Transfers |
** 0.00% Introductory APR for the first 15 billing cycles after account opening, on transfers initiated within 90 days of card opening. After that, your APR will vary with the market based on the Prime Rate. |
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APR for Cash Advances |
10.49% After that, your APR will vary with the market based on the Prime Rate. |
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How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases (including balance transfers) if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. |
| Minimum Interest Charge | None |
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For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore. |
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FEES |
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Annual Fee |
None |
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Introductory Balance Transfer Fees |
The greater of $25.00 or 3% of the amount of the balance transfer. |
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Transaction Fees • International Transaction |
$0.00 |
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Penalty Fees • Late Payment • Returned Payment Charge |
Up to $25.00 Up to $25.00 |
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Other Fees • Statement Copy Fee • 2-Day Rush Card Fee • Instant Reissue Card Fee • Payment by Phone Fee |
$ 0.20 per page $30.00 $ 5.00 $ 5.00 |
How We Will Calculate Your Balance: We use a method called "Average Daily Balance (excluding new purchases)."
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Additional Disclosures Required by Federal Law.
Frequently Used Terms: For the purposes this document, "Agreement" is defined as all disclosures and terms that are included in the LOW RATE VISA BUSINESS CREDIT CARD AGREEMENT & DISCLOSURE (also referenced in the Application as the "Business Credit Card Agreement and Disclosure").
How Do You Calculate My Variable Rates? Variable Rates are calculated by adding an index and a margin. The index is the highest U.S. Prime Rate (hereafter Prime) published in the Wall Street Journal "Money Rates" section on the 13th day of each month. If the Wall Street Journal is not published on that day, then we will use the immediately preceding edition. Any increase in the Prime Rate may increase your Interest Charges and your Minimum Payment. The rate on any transaction type will not exceed 24.99% APR. Variable rates on the following transaction types will be updated monthly and will take effect on the first day of your monthly billing periods:
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Purchase APR: Prime plus 3.74% for Low Rate Visa
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Non-Introductory Transfer APR: Prime plus 3.74% for Low Rate Visa
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Cash Advance APR: Prime plus 3.74% for Low Rate Visa
How Do You Determine My Credit Line? We will determine your credit line after a review of your application and your ability to pay.
The information about the costs of the cards described on this form is accurate as of December 29, 2025. This information may change after that date. To find out what may have changed, write us at:
Military Lending Act Disclosures
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
BETTER BANKING FOR MICHIGAN BUSINESSES
From big ideas to bold moves, we're ALL IN on your success.
Our tailored financial solutions keep pace with your every move.
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BEGIN YOUR BUSINESS BANKING JOURNEY
Interested in getting a business loan? Call us at 989.835.7794 or 800.835.7794 or email to learn more.
NEED HELP? 989.835.7794 | 800.835.7794 | EMAIL US
A business or other entity that is not a natural person may qualify for Credit Union Membership if it meets one or more of the following criteria: Registration on file with the Michigan Department of Licensing and Regulatory Affairs (LARA) & Presence in Michigan: It must maintain a physical location in Michigan (a P.O. Box is not a physical location). Sole Proprietorships: The business owner must be a Michigan resident. The business must be registered with at least one Michigan County. 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 Business Prime Savings Account as a lump sum deposit based on earnings from eligible deposit products.
BUSINESS MEMBER SPOTLIGHT
Meet one of our first business partners.
Driven to do real estate differently, Jeremy Gwizdala built his business around community, collaboration, and hands-on service. As one of our first business partners, he shares how choosing the right financial partner helped power his growth — and opened doors for fellow entrepreneurs along the way.
NOT A BUSINESS MEMBER?
Join nearly 200 Michigan business members that trust Dow Credit Union as their financial partner.