Savings Accounts

Dow Credit Union | Save with Ease

 

Let's save and grow your money!

Discover the exclusive benefits of our savings accounts and make the most of every dollar you earn. From long-term goals to milestone moments like weddings, holidays, or vacations, here’s what you can expect:

  • Membership: Opening an account with us, makes you a member-owner. And everyone can join!
  • Low or Minimum Balance: Most savings accounts have a low, minimum balance requirement.
  • Direct Deposits: Start receiving interest on your earnings by using direct deposit.
  • Competitive Rates: Enjoy some of the best rates available.
  • Dividends: Earn dividends on select accounts.
  • 24/7 Access: Manage your money anytime, anywhere with Online Banking and Mobile Banking.

 

Prime Savings

The Prime Savings Account (also known as a Prime Share) is your gateway to becoming a member-owner of Dow Credit Union. By opening a Prime Savings Account, your $5 deposit represents one share and your ownership in the credit union. As a member, you gain access to our full range of top-notch products and the opportunity to earn competitive dividends. Plus, this account qualifies you our Member Saver Reward.1
Effective January 1, 2026 [listed rate is current]
Dividend Rate3 APY4
0.35% 0.35%

Member Saver Reward¹

PROSPECTIVE ANNUAL PERCENTAGE YIELD²

Based on Example Giveback Percentage

0%10%20%30%40%
0.35%0.39%0.42%0.46%0.49%
  1. 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.
  2. 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.
  3. Dividends on share accounts are prospective and therefore are not guaranteed. The prospective dividends are declared by Dow Credit Union's Board of Directors.
  4. APY = Annual Percentage Yield 
Become a Member

Secondary Savings

Our Secondary Savings Account allows you to save for a specific purpose and keep those funds separate from your Prime Savings. This account is eligible for our Member Saver Reward.1
Effective January 1, 2026 [listed rate is current]
Dividend Rate3 APY4
0.35% 0.35%

Member Saver Reward¹

PROSPECTIVE ANNUAL PERCENTAGE YIELD²

Based on Example Giveback Percentage

0%10%20%30%40%
0.35%0.39%0.42%0.46%0.49%
  1. 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.
  2. 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.
  3. Dividends on share accounts are prospective and therefore are not guaranteed. The prospective dividends are declared by Dow Credit Union's Board of Directors.
  4. APY = Annual Percentage Yield 
Sign in & Apply Become a Member

Club Account

With great features like no minimum balance required, direct deposit, and automatic transfers from your other Dow Credit Union accounts, our Club Account is a great way to save for holidays, vacations, or other scheduled expenses. The funds are not accessible until the established maturity date and upon early withdrawal, the member would forfeit any interest accrued. This account is eligible for our Member Saver Reward¹.
Effective January 1, 2026 [listed rate is current]
Interest Rate3 APY4
0.35% 0.35%

Member Saver Reward¹

PROSPECTIVE ANNUAL PERCENTAGE YIELD²

Based on Example Giveback Percentage

0%10%20%30%40%
0.35%0.39%0.42%0.46%0.49%
  1. 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.
  2. 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.
  3. Rates are subject to change on a daily basis.
  4. APY = Annual Percentage Yield
Sign in & Apply Become a Member

Premium High Yield Deposit

At Dow Credit Union, we believe the more money you save, the more interest you should earn. Our Premium High Yield Account allows you to earn a highly competitive yield that automatically adjusts as your balance changes. This account is eligible for our Member Saver Reward¹.
Effective January 1, 2026 [listed rates are current]
Balance Interest Rate3 APY4
$0 - $2,499.99 1.88% 1.89%
$2,500 - $9,999.99 1.88% 1.89%
$10,000 - $49,999.99 1.88% 1.89%
$50,000 - $99,999.99 2.44% 2.46%
$100,000 - $149,999.99 2.66% 2.69%
$150,000 - $499,999.99 2.88% 2.91%
$500,000+ 2.88% 2.91%

Member Saver Reward¹

PROSPECTIVE ANNUAL PERCENTAGE YIELD²

Based on Example Giveback Percentage

0%10%20%30%40%
1.89%2.08%2.27%2.46%2.65%
1.89%2.08%2.27%2.46%2.65%
1.89%2.08%2.27%2.46%2.65%
2.46%2.71%2.95%3.20%3.45%
2.69%2.96%3.22%3.49%3.76%
2.91%3.20%3.49%3.78%4.08%
2.91%3.20%3.49%3.78%4.08%
  1. 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.
  2. 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.
  3. Rates are subject to change on a daily basis.
  4. APY = Annual Percentage Yield
Sign in & Apply Become a Member

Simple High Yield Deposit

The Simple High Yield Deposit savings account is an alternative high yield savings account that allows you to earn more interest the more you save. It offers a higher yield that automatically adjusts as your balance changes, however, it is not eligible for the potential year-end Member Saver Reward.
Effective January 1, 2026 [listed rates are current]
Balance Interest Rate1 APY2
$0 - $2,499.99 2.26% 2.28%
$2,500 - $9,999.99 2.26% 2.28%
$10,000 - $49,999.99 2.26% 2.28%
$50,000 - $99,999.99 2.92% 2.95%
$100,000 - $149,999.99 3.19% 3.23%
$150,000 - $499,999.99 3.46% 3.51%
$500,000+ 3.46% 3.51%
  1. Rates are subject to change on a daily basis.
  2. APY = Annual Percentage Yield
Sign in & Apply Become a Member