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Dow Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
dowcreditunion.org
800-835-7794
600 E Lyon Rd
Midland, MI 48640

Dow Credit Union is headquartered in Midland and is the 10th largest credit union in the state of Michigan. It is also the 203rd largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 163 employees and 82,924 members at 2 locations. Dow Credit Union's savings rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Dow Credit Union is open to anyone who joins the Midland Center for the Arts' Alden B. Dow Museum or the Midland County Historical Society. Current and retired employees of the Dow Chemical Company, the Dow Corning Corporation, and their affiliates are also eligible. Membership is also open to individual owners of stock in the Dow Chemical Company and employees of nearly 100 Select Employer Groups.
See current membership details

Reviews (1)

Be Aware, A Hard Pull

Posted by: |

Just wanted to let the community know hat there is a hard pull during sign up. And submitting application doesn’t guarantee the approval…

12


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #60137
Year Chartered1937
Employees163
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.74%
Annual Interest Income$28.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.47B$2.31B
LoansQ1 2025vs Q1 2024$1.25B$1.24B
DepositsQ1 2025vs Q1 2024$2.23B$2.1B
Equity CapitalQ1 2025vs Q1 2024$205.3MM$176.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$9.8MM$7.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.2MM$2.8MM
Real Estate OwnedQ1 2025vs Q1 2024$214K$50K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Dow Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Dow Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.51%*$150k*-Simple High Yield Deposit
OTHER TIERS: 2.28% → $0 - $50k | 2.95% → $50k - $100k | 3.23% → $100k - $150k
2.91%*$150k*-Premium High Yield Deposit Account
OTHER TIERS: 1.89% → $0 - $50k | 2.46% → $50k - $100k | 2.69% → $100k - $150k
0.35%$0-Prime Savings
0.35%$0-Secondary Savings
0.35%$0-Club Account

Dow Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.12%*$0$20kPreferred Checking
OTHER TIERS: 0.25% → $20k+
0.25%$0-Share Draft Account

Dow Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$500-3 Month Simple CD
4.30%$500-6 Month Simple CD
4.20%$500-13 Month Simple CD Special
4.05%$500-12 Month Simple CD
3.95%$500-18 Month Simple CD
3.75%$500-36 Month Simple CD
3.75%$500-24 Month Simple CD
3.75%$500-48 Month Simple CD
3.75%$500-60 Month Simple CD
3.73%$500$10k6 Month Youth CD
3.58%$500-6 Month CD
3.53%$500$10k12 Month Youth CD
3.37%$500-12 Month CD
3.37%$500-12 Month HSA CD
3.28%$500-18 Month CD
3.12%$500-24 Month CD
3.12%$500-36 Month CD
3.12%$500-24 Month HSA CD
3.12%$500-36 Month HSA CD
3.12%$500-48 Month HSA CD
3.12%$500-48 Month Bump Rate CD
3.12%$500-60 Month Bump Rate CD
Locations


Dow Credit Union Locations
Branch Office600 E Lyon RdMidland, MI 48640-5396
Branch Office5420 Gratiot RdSaginaw, MI 48638-6056

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.