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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 September 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 and Verified: September 22, 2026
DOW's 50% Youth CDs rates are at 5.23%, 40% Youth CDs rates are at 5.17%, 40% Bump Rate CDs rates are at 5.11%, 40% HSA CDs rates are at 5.11%, 40% HSA CDs rates are at 5.01%. DOW's savings rates are at 0.35%. DOW's Personal Loan Rates are as low as 8.00%. DOW's Credit Card Rates are at 10.49%. MonitorBankRates evaluates the financial stability of DOW with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.23%. Rates last updated and verified on 09/22/2026. 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 Checking Rates
DOW Home Equity & HELOC
DOW Auto Loan Rates
DOW RV, Boat and Powersport Loan Rates
DOW Credit Card Rates
DOW Personal Loan Rates
DOW Other Rates
Financial Health HistoryDOW’s Texas Ratio stayed near 0.74% in Q2 2023 to 1.23% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
Shandell Massey
CEO
Michael Goad
Full-Time Employees
168
Part-Time Employees
23
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
1.23%
Return on Assets (ROA)
0.0556%
Return on Equity (ROE)
0.5679%
Non-Performing Loans Ratio (NPL)
0.27%
Total Assets
2,613,795,660
Total Amount of Shares and Deposits
2,350,919,407
Total Shares and Deposits < 1 Year
2,206,235,269
Total Shares and Deposits 1 3 Years
122,796,440
Total Shares and Deposits > 3 Years
21,887,698
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
196,265,120
Total Uninsured Shares and Deposits > $250K (F+J)
196,265,120
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,154,654,287
Total Interest Expense (Sum of items 6 8)
16,532,740
Share Certificates
22,346
Number of Accounts for Share Drafts
52,847
Number of Accounts for Regular Shares
107,759
All other shares
2,599
Money Market Shares
21,684
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
115,218,254
Total Liabilities
2,380,359,313
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for DOW yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for DOW
Frequently Asked Questions About DOWHow 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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