Deposit Calculators
SIMPLE CD CALCULATOR
Do the math and estimate your earning potential!
Simple CDs
Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit of $500. Our Simple CDs offer our highest APY for the term of the CD but are not eligible for the potential year-end Member Saver Reward1.
Effective October 1, 2026 [listed rates are current]
| Term Length | Interest Rate2 | APY3 |
|---|---|---|
| 3 Months | 4.27% | 4.35% |
| 6 Months | 4.17% | 4.25% |
| 12 Months | 4.22% | 4.30% |
| 13 Months SPECIAL | 4.41% | 4.50% |
| 18 Months | 4.17% | 4.25% |
| 24 Months | 4.31% | 4.40% |
| 36 Months | 4.31% | 4.40% |
| 48 Months | 4.31% | 4.40% |
| 60 Months | 4.31% | 4.40% |
- While the Member Saver Reward occurs with great regularity, this credit union benefit is not guaranteed. The Member Saver Reward benefit is determined by the Dow Credit Union Board of Directors and is paid out on January 1st to the Prime Savings Account as a lump sum deposit based on earnings from eligible deposit products.
- Rates are subject to change on a daily basis.
- Annual Percentage Yield (APY) assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
SIMPLE HIGH YIELD CALCULATOR
Do the math and estimate your earning potential!
Simple High Yield Deposit
The Simple High Yield Deposit savings account is an alternative high yield savings account that allows you to earn more interest the more you save. It offers a higher yield that automatically adjusts as your balance changes, however, it is not eligible for the potential year-end Member Saver Reward.
Effective October 1, 2026 [listed rates are current]
| Balance | Interest Rate1 | APY2 |
|---|---|---|
| $0 - $49,999.99 | 2.40% | 2.42% |
| $50,000 - $99,999.99 | 3.10% | 3.14% |
| $100,000 - $149,999.99 | 3.36% | 3.40% |
| $150,000+ | 3.70% | 3.75% |
- Rates are subject to change on a daily basis.
- APY = Annual Percentage Yield
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