Dow Credit Union Member Giveback

We Love to Give Back!

At Dow Credit Union, we love to give back to our members! Whether through exceptional service, great rates, low-to-no fees, or Member Giveback, we sincerely appreciate your trust, loyalty, and friendship.

Counting Down to Giving Back

Rebates and Rewards are typically shared between January 1st and January 31st. 

 

 

2024 Member Giveback Rates

 

Dow Credit Union | Member Giveback | Member Saver Reward

Dow Credit Union | Member Giveback | Loan Interest Rebate

Dow Credit Union | Member Giveback | Visa Debit Card Rebate

About Member Giveback

Returning Millions to Eligible Members Since 1955

 

At Dow Credit Union, our valued members are at the heart of everything we do. That’s why, year after year, we proudly share our collective success by giving back. Our strong and consistent financial health allows us to return surplus earnings through meaningful rebates and rewards.1 It’s not just a bonus; it’s our sincere way of ensuring you feel the benefits of being part of our credit union community. We are deeply grateful for your trust, loyalty, and partnership, and remain committed to supporting your financial well-being. 

Since 1980, we've given back more than

$ 295,000,000.00
2019 $20.6M
2020 $15.6M
2021 $13.3M
2022 $13.8M
2023 $19.2M

Rebates and Rewards

Dow Credit Union Member Giveback | About the Member Saver Reward

Member Saver Reward

Our way of saying thanks for saving with us!

The Member Saver Reward gives members in good standing2 the chance to receive a Board-approved percentage of the dividends or interest earned on eligible deposits throughout the year. From savings accounts to CDs, we reward you for saving.

Dow Credit Union Member Giveback | About the Loan Interest Rebate

Loan Interest Rebate

Our way of saying thanks for borrowing with us!

The Loan Interest Rebate gives members in good standing2 the chance to receive a Board-approved percentage of the interest they’ve paid on eligible loans throughout the year. Whether it's an auto, personal, or home loan, you benefit simply by borrowing with us.

Dow Credit Union Member Giveback | About the Visa Debit Card Rebate

Visa® Debit Card Rebate

Our way of saying thanks for using your card!

The Visa® Debit Card Rebate gives members in good standing2 the chance to earn a Board-approved percentage of all net purchase transactions made with their Debit Card throughout the year. From everyday purchases and beyond, earn back on what you spend.

Boost Your Payout

Maximize your Member Giveback payout by choosing Dow Credit Union as your primary financial institution for direct deposit, balance transfers, or additional financial solutions.

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What Members Are Saying

I have had my account with Dow Credit Union for over a decade now. They are by far the BEST financial institution I have ever had.
Kayla R.
Member
Highly recommend! The member giveback rebate on mortgages is excellent and one of the only programs like it in the country. 
Krista D.
Member
Show me the money!! I don't stay up late to see the ball drop. I stay up late to see the rebate drop!!
Melanie S.
Member

Member Giveback FAQs

Dow Credit Union strives to maintain a healthy capital (net worth) level. Anything over that level is considered excess income and generally is given back to eligible members in the form of a Member Giveback. Typically included in the Member Giveback are our Loan Interest Rebate, Member Saver Reward and Visa® Debit Card Rebate.
Although this credit union benefit is not guaranteed, the Member Giveback is typically given out annually during the month of January. Since 1955, Dow Credit Union has given back a share of our earnings to members in all but one year (1979).
There are many factors, including – but not limited to – interest rate levels, yield curve, balance sheet mix and risk, capital (net worth), the current and future economic environment, and regulatory changes.
No, but a Giveback has occurred every year since 1980 and in all but one year since 1955.
Although this credit union benefit is not guaranteed, the Loan Interest Rebate for the Rebate-Eligible Visa® Credit Card is typically deposited to the Prime Share Account no later than January 31.

1. 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. For the Rebate-Eligible Visa® Credit Card, Loan Interest Rebate typically is deposited to Prime Share Account no later than January 31.

2. Members in good standing are defined as those members who have at least $5 in their Share Account on December 31 of that year, have had no delinquent accounts, have not had adverse collection activities on their account, and have not had accounts charged off. Members who are in default or who have caused the credit union a loss typically are not eligible for year-end rebates and rewards.