Other Loans

other loans

Personal Loans

We understand that life is full of unexpected expenses, and a little financial breathing room can make a big difference. Whether it's braces, vehicle repairs, a leaky roof, or a vacation, a Personal Loan from Dow Credit Union can expand your financial possibilities.

Non-Rebate Eligible

Effective September 16, 2024
Term APR1 as low as Payment as low as (per $1,000 borrowed)
Up to 36 months 9.00% $31.80
37 to 48 months 9.25% $25.00
49 to 60 months 9.50% $21.00
61 to 72 months 9.75% $18.40
  1. APR = Annual Percentage Rate.
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    Rebate Eligible

    Effective September 16, 2024
    Term APR 1 as low as Payment as low as (per $1,000 borrowed)
    Up to 36 months 11.25% $32.86
    37 to 48 months 11.56% $26.12
    49 to 60 months 11.88% $22.18
    61 to 72 months 12.19% $19.65
    1. APR = Annual Percentage Rate.

      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.

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      Revolving Line-of-Credit Loans

      How great would it be to have a preapproved line of credit available whenever you need it? We can help with that! With our Revolving Line-of-Credit Loan, you can access extra funds whenever you need it, avoid costly overdraft fees, or cover larger expenses like home improvements, vacations, or tuition. The choice is yours!1
      Effective September 16, 2024
      Maximum Term APR2
      Open 13.50%

      These loans are eligible for a potential year-end Loan Interest Rebate.

        1.  Certain restrictions may apply.
        2. APR = Annual Percentage Rate.
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        Deposit Secured Loans

        Looking to pay for an unexpected expense without depleting the funds in your accounts? Dow Credit Union has a loan that meets that need. When you use the dollars in your accounts as collateral instead of withdrawing them, you keep your total balance intact and your plans for these funds remain within reach. Plus they continue to earn dividends/interest, which allows your savings balance to grow.

        Savings (Share) Secured

        Effective September 16, 2024
        Maximum Term APR1 as low as Payment as low as (per $1,000 borrowed)
        36 months 6.25% $30.54

        Can balloon with maximum 240 month amortization. 
        These loans are eligible for a potential year-end Loan Interest Rebate.2 

        1. APR = Annual Percentage Rate.
        2. 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.
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        Premium High Yield Secured

        Effective September 16, 2024
        Maximum Term APR1 as low as Payment as low as (per $1,000 borrowed)
        36 months 6.50% $30.65

        Can balloon with maximum 240 month amortization. 

        1. APR = Annual Percentage Rate.
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        CD Secured

        Effective September 16, 2024
        Maximum Term APR1 as low as
        36 months Pledged CD APR + 3.00%

        Can balloon with maximum 240 month amortization. 

        Loan must be rewritten or paid in full if balance is owing on loan at CD maturity.

        CD Secured Loans are not available on Bump Rate CDs.

        1. APR = Annual Percentage Rate.
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        Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Membership eligibility required. Other loan limitations may apply.