Membership is open to all, and we have loans for every adventure!
.jpg?sfvrsn=a535694b_7 "Adventure into Summer with Great Rates from Dow Credit Union!")
Finance a Boat
New or Used
Sailboat | Jet Ski | Fishing Boat | Pontoon | Motorboat | Sports Boat | Jet Boat
Finance a Bike
New or Used
Motorcycle | Sport Bike | Dirt Bike | Motocross | Chopper | Cruiser | Touring | Scooter
Finance a Camper
New or Used
RV | Camper | Fifth Wheel | Travel Trailer | Toy Hauler | Motorhome | Motorcoach
Finance an ATV or UTV
New or Used
Recreational | Utility | Sport| Mud | Side-by-Side | Crew Cab | Youth ATV
Featured Rate
Rates As Low As 6.49% APR1
RVs | Campers | Boats | Motorcycles | ATVs | UTVs
- 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.
Non-Rebate Eligible
Effective April 15, 2025
| Term | APR as low as | Payment as low as (per $1,000 borrowed) |
|---|---|---|
| Up to 36 months | 6.49% | $30.64 |
| 37 to 48 months | 6.99% | $23.94 |
| 49 to 60 months | 7.24% | $19.91 |
| 61 to 72 months | 7.49% | $17.29 |
| 73 to 84 months | 7.49% | $15.33 |
| 85 to 120 months | 8.24% | $12.26 |
| 121 to 180 months | 8.74% | $9.99 |
- 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.
Rebate Eligible
Effective April 15, 2025
| Term | APR as low as | Payment as low as (per $1,000 borrowed) |
|---|---|---|
| Up to 36 months | 8.24% | $31.45 |
| 37 to 48 months | 8.86% | $24.82 |
| 49 to 60 months | 9.18% | $20.84 |
| 61 to 72 months | 9.49% | $18.27 |
| 73 to 84 months | 9.49% | $16.34 |
| 85 to 120 months | 10.43% | $13.45 |
| 121 to 180 months | 11.05% | $11.40 |
- 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 eligibility 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.
Summer 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.
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