CDs in your best interest

Our CDs offer great rates for better returns on the money you save with us.
Couple riding bikes


Cash in on the region’s highest CD rates!1 

When you open a certificate of deposit (CD) with Dow Credit Union, you’re opening the door to opportunities to get more from the money you save. 


Better rates equal higher returns

No matter where you are on your savings journey, we want your money to work as hard as possible for you! 

Explore rates


atm white

Get rewarded for saving

In addition to offering great rates that lead to better returns, most of our CDs also qualify for our potential year-end Member Saver Reward, which is part of our legendary Member Giveback4.


Learn more


You have choices!

We offer a variety of CDs, each with its own terms, features and options tailored to suit different budgets, asset levels and savings goals.


Explore options


What's a CD?

A CD is a savings product – but it’s far different from a savings account! With a CD, the rate tends to be higher, and you commit to putting the money away – typically as a lump sum – untouched, for a set period of time, to earn that rate and avoid any penalties.2

Explore options

Have questions about your options?

Our team can help!


1Region is defined as Bay, Saginaw and Midland counties in Michigan. Comparison is made to typical, non-promotional CD rates at other financial institutions based within the region and is accurate as of 10/17/2022. 2APY = annual percentage yield. For CDs, any advertised APY assumes principal and interest remain on deposit for the term of the certificate. Advertised APYs are subject to change. A penalty for early withdrawal may be imposed and could reduce earnings on a CD account, including reduction of principal. Starting minimum deposit for all Dow Credit Union CDs is $500. 3Advertised “as high as” APY is for a 6-month Simple CD and is accurate as of 06/01/2023. 4Our Simple CDs are not eligible for Member Giveback Rebates and Rewards. While Member Giveback rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply.