Best in the Country: Dow Credit Union’s 3-Month Simple CD 3-Month Simple CD Earns #1 Ranking at 4.15% APY

November 06, 2025

Midland, Michigan – Dow Credit Union has been nationally recognized for offering the highest-yielding 3-month certificate of deposit (CD) in the United States, with a 4.15% APY1, according to Investopedia2 and DepositAccounts3 as of November 6, 2025.

 

Operating through two branches in Midland and Saginaw, Dow Credit Union exemplifies how efficiency and innovation can deliver nationwide impact, serving over 83,400 members in all 50 states and 40 countries. As the largest financial institution headquartered in the Great Lakes Bay Region, with $2.5 billion in assets, its lean operating model—maintaining an expense ratio nearly half that of peer institutions—allows Dow Credit Union to reinvest for wow-worthy rates, lower fees, and better member experiences.

 

The credit union recently expanded membership eligibility to all Michigan residents and eliminated non-sufficient funds (NSF) fees, reinforcing its mission to make banking more accessible for everyone.

 

Its CD and savings rates consistently outperform national averages, earning recognition from The Wall Street Journal4, Business Insider5, NerdWallet6, and Newsweek7, which named it one of America’s Best Regional Banks and Credit Unions for 2025.

 

Explore Dow Credit Union’s award-winning CD rates and see how you’re your money can work harder at dowcreditunion.org/cd.

 

View CD Rates

 

  1. APY = Annual Percentage Yield. Rates effective 09/09/2025 and subject to change on a daily basis. APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. Starting minimum deposit is $500. 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
  2. Investopedia, 11/06/2025, Best CD Rate without a Maximum, Best 3-Month CD Rates for November 2025
  3. DepositAccounts, 11/06/2025,  Best 3-Month CD Rates in November 2025
  4. Wall Street Journal, 6/8/2023, The Best CD Rates Are from Credit Unions Right Now. Here Are the Top Offers.
  5. Business Insider, 01/2025, Best 3-Month CD Rates for January 2025
  6. NerdWallet, 9/1/2023, Standout Online Savings Accounts
  7. Newsweek, 12/2024, America’s Best Regional Banks and Credit Unions 2025
Blog