Dow Credit Union CD Rates: Best Deal 3-Month Simple CD 5.65% APY

Dow Credit Union is offering many different types of certificates, but the credit union's best deal has to be on the credit union's simple short-term certificates. Current 3-month simple Dow Credit Union CD rates are at 5.65% APY and current 6-month simple CD rates are at 5.50% APY. The minimum opening balance for all simple CDs is $500.

Standard CD Rates

These CDs earn a fixed rate of interest over the entire period of the investment. The starting minimum deposit is $500. The effective APY for different CD terms are below.

  • 6 Months 4.57%

  • 12 Months 4.38%

  • 18 Months 4.11%

  • 24 Months 3.82%

  • 36 Months 3.63%

    • Simple CD Rates

    These CDs also earn a fixed rate of interest over the entire period of the investment but offer the highest APY for the term of the CD. The starting minimum deposit is $500, and they are not eligible for the potential year-end Member Saver Reward. Current APY for all simple CD terms listed below.

  • 3 Months 5.51%

  • 6 Months 5.37%

  • 12 Months 5.15%

  • 18 Months 4.83%

  • 24 Months 4.50%

  • 36 Months 4.28%

    • Bump CD Rates

    Bump CDs offer increased flexibility to invest long-term with the bump rate feature that allows CD owners to bump the rate one time during the term if rates increase. The starting minimum deposit is $500. The effective APY for different terms are as follows:

  • 48 Months 3.48%

  • 60 Months 3.50%

    • Youth CD Rates

    Youth CDs are available to members if term maturity occurs before their eighteenth birthday, and additional deposits of $50 or more are allowed throughout the CD term 1. The starting minimum deposit is $500. The current APY for these CDs are as follows:

  • 6 Months 4.63% 4.73%

  • 12 Months 4.44% 4.53%

    • HSA CD Rates

    HSA CDs are designed specifically for individuals who have a health savings plan. The starting minimum deposit is $500. Current APY for HSA CDs is listed below:

  • 12 Months 4.29% 4.38%

  • 24 Months 3.75% 3.82%

  • 36 Months 3.57% 3.63%

  • 48 Months 3.48% 3.54%

    • You can search for and compare bank CD rates and credit union CD rates using our rate tables at: Compare CD Rates.

    Dow Credit Union was founded in Midland, Michigan in June of 1950 by a group of Dow Chemical employees who wanted to create a financial institution that would serve their community’s needs. Today, Dow Credit Union has expanded its membership eligibility to include anyone who makes a donation of at least $10 to the Dow Credit Union Members Endowed Scholarship Fund 34.

     
    Author: Brian McKay
    October 5th, 2023

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