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Dow Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
3.80%
Our Rating
4.2  / 5
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 1/23/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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 208th largest credit union in the nation. It was established in 1937 and as of September of 2024, it had grown to 164 employees and 82,348 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

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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 Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #60137
Year Chartered1937
Employees164
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD7.51%
Annual Interest Income$77.8MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$2.34B$2.14B
LoansQ3 2024vs Q3 2023$1.25B$1.18B
DepositsQ3 2024vs Q3 2023$2.09B$1.9B
Equity CapitalQ3 2024vs Q3 2023$205.8MM$152.4MM
Loan Loss AllowanceQ3 2024vs Q3 2023$8.5MM$5.5MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$4.1MM$3.1MM
Real Estate OwnedQ3 2024vs Q3 2023$0$90K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
3.80%
Our Rating
4.2  / 5
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 1/23/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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
0.25%$0-Share Draft Account

Dow Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.45%$500-13 Month Simple CD Special
4.40%$500-6 Month Simple CD
4.40%$500-3 Month Simple CD
4.35%$500-18 Month Simple CD
4.20%$500-12 Month Simple CD
4.20%$500-24 Month Simple CD
4.00%$500-36 Month Simple CD
4.00%$500-48 Month CD
4.00%$500-60 Month CD
3.80%$500$10k6 Month Youth CD
3.65%$500-6 Month CD
3.64%$500$10k12 Month Youth CD
3.62%$500-18 Month CD
3.48%$500-12 Month CD
3.48%$500-24 Month CD
3.48%$500-12 Month HSA CD
3.48%$500-24 Month HSA CD
3.33%$500-36 Month CD
3.33%$500-36 Month HSA CD
3.33%$500-48 Month HSA CD
3.33%$500-48 Month Bump Rate CD
3.33%$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.