Get moving with a great rate!

Hit the road, water, or trail with low automotive and recreational vehicle rates! We go the extra mile at Dow Credit Union to save you money. Wherever your adventure leads, Dow Credit Union helps you save.

Drive home happy with Dow Credit Union's low automotive loan rates!

Automotive Loans

Rates As Low As
5.49% APR1

New or Used: Cars | Trucks | SUVs

View Rates
Spend your next adventure in nature with Dow Credit Union's low recreational vehicle rates!

Recreational Vehicle Loans

Rates As Low As
6.49% APR1

RVs | Campers | Boats | Motorcycles | ATVs | UTVs

View Rates
  1. APR = Annual Percentage Rate. Rates effective 04/15/2025. 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.

 

Going the Extra Mile to Make you Smile with Dow Credit Union!

AUTO-MATIC SAVINGS START HERE!

GETTING STARTED IS SIMPLE.

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 over 80,000 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.

Join & Apply
Dow Credit Union Members

Current Member

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

OR

Call Us

989.835.7794 or 800.835.7794

Apply Now

Live the lake life with a boat loan at a great rate!

 

ADVENTURES FORGE

MEMORIES THAT LAST A LIFETIME

Adventures create lifelong memories, and at Dow Credit Union, we believe everyone deserves the
chance to experience them. With our competitive rates and exceptional service, you can focus
more on enjoying your journey and less on finances with our low automotive loan and
recreational vehicle loan rates. 

Adventure into Summer with Dow Credit Union!

Adventure into your next road trip with an auto loan.

ADVENTURES IGNITE STORIES THAT INSPIRE

Blog
Auto Loans with Dow Credit Union

3 Reasons to Finance Your Auto Loan with Dow Credit Union

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Press Release
Dow Credit Union has earned recognition as one of America’s Best Regional Banks and Credit Unions for 2025 by Newsweek and Plant-A-Insights

Dow Credit Union Named One of America's Best by Newsweek

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Blog
Adventure into summer with a recreational vehicle loan from Dow Credit Union!

Your Ultimate Adventure Guide to RV Shopping and Scoring Top Recreational Vehicle Loan Rates

Read More