OPEN TO ALL and ready-to-roll!
1. APR = Annual Percentage Rate. Rates effective 02/23/2026. Rates, terms and conditions, including the 90-day payment deferral, are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Finance charges (interest) will accrue during the no-payment period; payments will be amortized over the monthly loan payments. 90-day payment deferral limited to new and used auto loans. 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. All loans subject to approval. Other loan limitations may apply. Membership required.
Choose a loan that's right for you!
Auto Loans [non-rebate]
| Term | APR as low as | Payment as low as (per $1,000 borrowed) |
|---|---|---|
| Up to 36 months | 4.49% | $29.74 |
| 37 to 48 months | 4.99% | $23.02 |
| 49 to 60 months | 5.24% | $18.98 |
| 61 to 72 months | 5.49% | $16.33 |
| 73 to 84 months | 5.49% | $14.37 |
| 85 to 96 months | 5.99% | $13.14 |
- APR = Annual Percentage Rate.
- Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Membership required. Other loan limitations 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.
Auto Loans [rebate eligible]
| Term | APR as low as | Payment as low as (per $1,000 borrowed) |
|---|---|---|
| Up to 36 months | 5.80% | $30.33 |
| 37 to 48 months | 6.43% | $23.68 |
| 49 to 60 months | 6.74% | $19.68 |
| 61 to 72 months | 7.05% | $17.07 |
| 73 to 84 months | 7.05% | $15.12 |
| 85 to 96 months | 7.68% | $13.97 |
- APR = Annual Percentage Rate.
- Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Membership required. Other loan limitations may apply.
- 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.
- 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.
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Become a Member
Member-owners of Dow Credit Union take pride in:
- $0 NSF fees (no, that’s not a typo)
- Being the largest and fastest growing credit union*
- Achieving national recognition from the Wall Street Journal and Newsweek
- Delivering the best deposit rates of any credit union*
- Giving back over $300 million to members since 1980**
- Supporting communities as Multipliers for Good
Join our network of nearly 84,000 members across all 50 states and 40 countries!
*Based in the Great Lakes Bay Region. **While year-end 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.
Current Member
Our team can help! Contact us to learn more about membership and our products and services.
Visit us in Midland
600 E Lyon, Midland, MI 48640
7:30 a.m. – 5:30 p.m. ET
Monday through Friday
Visit us in Saginaw
5420 Gratiot, Saginaw, MI 48638
9:00 a.m. – 5:00 p.m. ET
Monday through Friday