Certificates of Deposit
Discover a CD that is Right for You!
Standard CDs
Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit is $500. These CDs are eligible for our Member Saver Reward1.
Effective August 7, 2025 [listed rates are current]
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 3.39% | 3.44% |
| 12 Months | 3.28% | 3.33% |
| 18 Months | 3.15% | 3.20% |
| 24 Months | 3.08% | 3.12% |
| 36 Months | 3.08% | 3.12% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.44% | 3.79% | 4.13% | 4.48% | 4.82% |
| 3.33% | 3.66% | 4.00% | 4.33% | 4.66% |
| 3.20% | 3.52% | 3.84% | 4.15% | 4.47% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
Simple CDs
Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit of $500. Our Simple CDs offer our highest APY for the term of the CD but are not eligible for the potential year-end Member Saver Reward1.
Effective August 7, 2025 [listed rates are current]
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 3 Months5 | 4.31% | 4.40% |
| 6 Months | 4.07% | 4.15% |
| 12 Months | 3.93% | 4.00% |
| 13 Months SPECIAL | 4.03% | 4.11% |
| 18 Months | 3.78% | 3.85% |
| 24 Months | 3.69% | 3.75% |
| 36 Months | 3.69% | 3.75% |
| 48 Months | 3.49% | 3.55% |
| 60 Months | 3.54% | 3.60% |
Bump Rate CDs
The bump rate feature lets you invest long-term with increased flexibility! If rates increase, CD owners have the option to bump the rate one time during the term. Starting minimum deposit is $500. These CDs are eligible for our Member Saver Reward1.
Effective August 7, 2025 [listed rates are current]
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 48 Months | 2.91% | 2.95% |
| 60 Months | 2.95% | 2.99% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 2.95% | 3.24% | 3.54% | 3.83% | 4.13% |
| 2.99% | 3.29% | 3.59% | 3.89% | 4.19% |
Youth CDs
Available to members if term maturity occurs before their 18th birthday. Additional deposits of $50 or more are allowed throughout the CD term. Starting minimum deposit of $500 and maximum total deposits of $10,000. These CDs are eligible for our Member Saver Reward1.
Effective August 7, 2025 [listed rates are current]
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 3.54% | 3.60% |
| 12 Months | 3.43% | 3.48% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.60% | 3.96% | 4.32% | 4.68% | 5.04% |
| 3.48% | 3.83% | 4.18% | 4.53% | 4.88% |
HSA CDs
Designed specifically for individuals who have a health savings plan. Starting minimum deposit is $500. These CDs are eligible for our Member Saver Reward1.
Effective August 7, 2025 [listed rates are current]
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 12 Months | 3.28% | 3.33% |
| 24 Months | 3.08% | 3.12% |
| 36 Months | 3.08% | 3.12% |
| 48 Months | 2.91% | 2.95% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.33% | 3.66% | 4.00% | 4.33% | 4.66% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
| 2.95% | 3.24% | 3.54% | 3.83% | 4.13% |
An HSA CD can be opened by calling us or stopping by.
- 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.
- The Member Saver Reward Prospective Annual Percentage Yield is for demonstration purposes only and is a calculation that takes into account Annual Percentage Yield earnings for a given deposit product and adds in the potential Member Saver Reward bonus Giveback percentage.
- 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.
- Investopedia and DepositAccounts.com, 07/11/2025, Best in the Country: Dow Credit Union's 3-Month Simple CD Earns Top Spot.