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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 09/09/2025 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.
- APR= Annual Percentage Rate. Rates effective 10/06/2025. 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.
- As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. Qualifying Direct Deposits are deposits from an employer, pension, or government for payroll, benefits (e.g., Social Security), or tax refunds. The following do not qualify: P2Ptransfers (e.g., money apps), account-to-account transfers (e.g., checking to checking), non-employer/government deposits (e.g., online or bank transfers), internal Dow Credit Union transfers, check deposits (including Online Banking Deposit Check), and ATM deposits.
- APR= Annual Percentage Rate. Rates effective 10/16/2025. 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.
- APR = Annual Percentage Rate. Rates effective 10/01/2025. The HELOC Annual Percentage Rate (APR) may vary monthly, based on the Wall Street Journal Prime Rate minus 0.250% (the margin) in effect on the 25th of the previous month. The APR will not exceed 18.00% and will not fall below 3.250%. The HELOC has a 10-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 20-year repayment period, during which the outstanding balance is amortized and payments will include both interest and principal. All loans are subject to credit approval, including evaluation of creditworthiness, qualifications, and acceptable collateral. Eligible properties must be developed, non-agricultural, and non-income-producing residential homes located in Michigan. The maximum Combined Loan-to-Value (CLTV) is 90%. Additional restrictions may apply. Membership Required.
- APR= Annual Percentage Rate. Variable Rate as of 01/23/2025. APR will vary with the market based on the prime rate.