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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
DOW Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 23, 2026
DOW's 3-60 Month Simple CDs rates are at 4.00%. DOW's savings rates are at 3.51%. MonitorBankRates evaluates the financial stability of DOW with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.75%. Rates were last updated on 03/23/2026. DOW money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at DOW? Share your experience about DOW by leaving a review below, or read customer reviews before you decide to use DOW. 
DOW CD Rates
DOW Savings Rates
DOW Home Equity & HELOC
DOW Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for DOW is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather DOW rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with DOW's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
DOW
Website
http://www.dowcreditunion.org
Address
600 E Lyon Rd,
Midland, MI 48640 5396
Phone
989-835-7794
Fax
989-607-6790
President
Lisa McKenney
CEO
Michael Goad
Full-Time Employees
170
Part-Time Employees
22
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.75%
Return on Assets (ROA)
0.5477%
Return on Equity (ROE)
5.4116%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
2,491,872,995
Total Amount of Shares and Deposits
2,219,433,530
Total Shares and Deposits < 1 Year
2,076,145,335
Total Shares and Deposits 1 3 Years
116,717,158
Total Shares and Deposits > 3 Years
26,571,037
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
178,096,610
Total Uninsured Shares and Deposits > $250K (F+J)
178,096,610
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,041,336,920
Total Interest Expense (Sum of items 6 8)
50,818,139
Share Certificates
22,562
Number of Accounts for Share Drafts
52,388
Number of Accounts for Regular Shares
107,205
All other shares
2,555
Money Market Shares
20,985
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
81,957,729
Total Liabilities
2,263,228,438
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About DOWIs DOW a safe place to deposit money?Yes, DOW is considered a safe financial institution. With a Texas Ratio of 1.7459054411888%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does DOW operate?DOW currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join DOW?Yes, to access services at DOW, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, DOW does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, DOW provides members with tools to manage their accounts and build a solid financial history. Does DOW offer online and mobile banking?Most modern institutions like DOW provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.dowcreditunion.org. Current DOW Rates
Retrieved from our database of financial products. Rates subject to change.
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