What are the current interest rates at DOW?

Current rates for DOW include: 12-Month CD: 3.58%, 18-Month CD: 3.54%, 24-Month CD: 3.65%, 60-Month CD: 3.65%, Savings: 3.75%

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DOW Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

DOW's top rates as of October 10, 2026 are 4.50% APY on its 3 - 60 Month Simple CDs CD, 3.75% APY on savings, 5.12% APY on checking, personal loans from 8.00% APR, and credit cards from 10.49% APR, according to rates verified by MonitorBankRates. Other DOW CD rates include Simple CDs - 13 month SPECIAL at 4.50%, Simple CDs - 24 month at 4.40%, and Simple CDs - 36 month at 4.40%. MonitorBankRates evaluates the financial stability of DOW with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.26%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.26%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

DOW
Dow Credit Union

600 E Lyon Rd
Midland, MI 48640-5396

http://www.dowcreditunion.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

DOW CD Rates

Product	Rate	APY	Term
3 - 60 Month Simple CDs	-	4.50%	3-60 Month
Min Deposit $500 Details APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Sep 27, 20264.50%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CDs - 13 month SPECIAL	4.41%	4.50%	13 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15% Sep 22, 20264.50%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CDs - 24 month	4.31%	4.40%	24 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00% Sep 22, 20264.40%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CDs - 36 month	4.31%	4.40%	36 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00% Sep 22, 20264.40%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CDs - 48 month	4.31%	4.40%	48 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90% Sep 22, 20264.40%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CDs - 60 month	4.31%	4.40%	60 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90% Sep 22, 20264.40%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CDs - 3 month	4.27%	4.35%	3 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00% Sep 22, 20264.35%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CDs - 12 month	4.22%	4.30%	12 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00% Sep 22, 20264.30%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CDs - 18 month	4.17%	4.25%	18 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95% Sep 22, 20264.25%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CDs - 6 month	4.17%	4.25%	6 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Sep 22, 20264.25%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Youth CDs - 12 month	3.67%	3.73%	12 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.48% → 3.73% ▲ 0.25 pts · high 3.73% / low 3.48% Sep 22, 20263.73%▲ from 3.48% Sep 14, 20263.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Youth CDs - 6 month	3.63%	3.69%	6 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.39% → 3.69% ▲ 0.30 pts · high 3.69% / low 3.39% Sep 22, 20263.69%▲ from 3.39% Sep 14, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
24 Month HSA CD	3.59%	3.65%	24 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.33% → 3.65% ▲ 0.32 pts · high 3.65% / low 3.33% Sep 22, 20263.65%▲ from 3.33% Sep 18, 20263.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
24 Month Standard CDs	3.59%	3.65%	24 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.33% → 3.65% ▲ 0.32 pts · high 3.65% / low 3.33% Sep 22, 20263.65%▲ from 3.33% Sep 18, 20263.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
36 Month HSA CD	3.59%	3.65%	36 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.33% → 3.65% ▲ 0.32 pts · high 3.65% / low 3.33% Sep 22, 20263.65%▲ from 3.33% Sep 18, 20263.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
36 Month Standard CDs	3.59%	3.65%	36 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.33% → 3.65% ▲ 0.32 pts · high 3.65% / low 3.33% Sep 22, 20263.65%▲ from 3.33% Sep 18, 20263.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
48 Month HSA CD	3.59%	3.65%	48 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.24% → 3.65% ▲ 0.41 pts · high 3.65% / low 3.24% Sep 22, 20263.65%▲ from 3.24% Sep 18, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Bump Rate CD - 48 month	3.59%	3.65%	48 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.24% → 3.65% ▲ 0.41 pts · high 3.65% / low 3.24% Sep 22, 20263.65%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Bump Rate CD - 60 month	3.59%	3.65%	60 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.24% → 3.65% ▲ 0.41 pts · high 3.65% / low 3.24% Sep 22, 20263.65%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
12 Month HSA CD	3.52%	3.58%	12 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.33% → 3.58% ▲ 0.25 pts · high 3.58% / low 3.33% Sep 22, 20263.58%▲ from 3.33% Sep 18, 20263.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
12 Month Standard CDs	3.52%	3.58%	12 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.33% → 3.58% ▲ 0.25 pts · high 3.58% / low 3.33% Sep 22, 20263.58%▲ from 3.33% Sep 18, 20263.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
18 Month Standard CDs	3.48%	3.54%	18 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.28% → 3.54% ▲ 0.26 pts · high 3.54% / low 3.28% Sep 22, 20263.54%▲ from 3.28% Sep 18, 20263.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
6 Month Standard CDs	3.48%	3.54%	6 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.24% → 3.54% ▲ 0.30 pts · high 3.54% / low 3.24% Sep 22, 20263.54%▲ from 3.24% Sep 18, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Savings Rates

Product	Rate	APY
Member Saver Reward	-	4.36%
Details Example Giveback Percentage: 40% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 4.36% ▲ 3.87 pts · high 4.36% / low 0.49% Sep 22, 20264.36%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	4.05%
Details Example Giveback Percentage: 30% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 4.05% ▲ 3.56 pts · high 4.05% / low 0.49% Sep 22, 20264.05%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.96%
Details Example Giveback Percentage: 40% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.96% ▲ 3.47 pts · high 3.96% / low 0.49% Sep 22, 20263.96%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple High Yield Savings	-	3.75%
Min Balance $150,000 Details Balance: $150,000 - $499,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.75% ▲ 0.24 pts · high 3.75% / low 3.51% Sep 27, 20263.75%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.74%
Details Example Giveback Percentage: 20% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.74% ▲ 3.25 pts · high 3.74% / low 0.49% Sep 22, 20263.74%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.68%
Details Example Giveback Percentage: 30% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.68% ▲ 3.19 pts · high 3.68% / low 0.49% Sep 22, 20263.68%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.65%
Details Example Giveback Percentage: 40% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.65% ▲ 3.16 pts · high 3.65% / low 0.49% Sep 22, 20263.65%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.43%
Details Example Giveback Percentage: 10% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.43% ▲ 2.94 pts · high 3.43% / low 0.49% Sep 22, 20263.43%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.40%
Details Example Giveback Percentage: 20% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.40% ▲ 2.91 pts · high 3.40% / low 0.49% Sep 22, 20263.40%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.39%
Details Example Giveback Percentage: 30% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.39% ▲ 2.90 pts · high 3.39% / low 0.49% Sep 22, 20263.39%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.13%
Details Example Giveback Percentage: 20% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.13% ▲ 2.64 pts · high 3.13% / low 0.49% Sep 22, 20263.13%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.12%
Details Example Giveback Percentage: 0% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.12% ▲ 2.63 pts · high 3.12% / low 0.49% Sep 22, 20263.12%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	3.11%
Details Example Giveback Percentage: 10% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 3.11% ▲ 2.62 pts · high 3.11% / low 0.49% Sep 22, 20263.11%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	2.87%
Details Example Giveback Percentage: 10% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 2.87% ▲ 2.38 pts · high 2.87% / low 0.49% Sep 22, 20262.87%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	2.83%
Details Example Giveback Percentage: 0% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 2.83% ▲ 2.34 pts · high 2.83% / low 0.49% Sep 22, 20262.83%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	2.82%
Details Example Giveback Percentage: 40% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 2.82% ▲ 2.33 pts · high 2.82% / low 0.49% Sep 22, 20262.82%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	2.62%
Details Example Giveback Percentage: 30% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 2.62% ▲ 2.13 pts · high 2.62% / low 0.49% Sep 22, 20262.62%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	2.61%
Details Example Giveback Percentage: 0% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 2.61% ▲ 2.12 pts · high 2.61% / low 0.49% Sep 22, 20262.61%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	2.42%
Details Example Giveback Percentage: 20% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 2.42% ▲ 1.93 pts · high 2.42% / low 0.49% Sep 22, 20262.42%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	2.22%
Details Example Giveback Percentage: 10% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 2.22% ▲ 1.73 pts · high 2.22% / low 0.49% Sep 22, 20262.22%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Member Saver Reward	-	2.02%
Details Example Giveback Percentage: 0% Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.49% → 2.02% ▲ 1.53 pts · high 2.02% / low 0.49% Sep 22, 20262.02%▲ from 0.49% Sep 18, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Club Account	-	0.49%
Details Member Saver Reward1 Prospective Annual Percentage Yield2 Based on Example Giveback Percentage. 0% 10% 20% 30% 40%. Rates are subject to change on a daily basis. APY = Annual Percentage Yield Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.49% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Prime Savings	-	0.49%
Details 40% balance tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.49% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Secondary Savings	-	0.49%
Details 40% tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.49% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Prime Savings	-	0.46%
Details 30% balance tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.46% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Secondary Savings	-	0.46%
Details 30% tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.46% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Prime Savings	-	0.42%
Details 20% balance tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.42% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Secondary Savings	-	0.42%
Details 20% tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.42% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Prime Savings	-	0.39%
Details 10% balance tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Secondary Savings	-	0.39%
Details 10% tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Prime Savings	0.35%	0.35%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Secondary Savings	0.35%	0.35%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Checking Rates

Product	Rate	APY
Preferred Checking	5.00%	5.12%
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; On balances up to $20,000 after qualifying activities. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Classic Checking	0.25%	0.25%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Preferred Checking	0.25%	0.25%
Details On balances over $20,000 or when monthly qualifying activities are not completed. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.75%
Details Variable Rate as of 10/01/2026. The HELOC Annual Percentage Rate (APR) may vary monthly, based on the Wall Street Journal Prime Rate minus 0.250% (the margin) in effect on the 25th of the previous month. The APR will not exceed 18.00% and will not fall below 3.250%. The HELOC has a 10-year draw period during which the minimum monthly payment is interest-only; making interest-only payments may result in a significantly higher monthly payment once the loan enters the repayment period. After the draw period ends, the loan enters a 20-year repayment period, during which the outstanding balance is amortized and payments will include both interest and principal. All loans are subject to credit approval, including evaluation of creditworthiness, qualifications, and acceptable collateral. Eligible properties must be developed, non-agricultural, and non-income-producing residential homes located in Michigan. The maximum Combined Loan-to-Value (CLTV) is 90%. Additional restrictions may apply. Membership Required. Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 1, 20266.75%▲ from 6.50% Sep 27, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Non-Rebate	-	-	4.49%	36-96 Month
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. Qualifying Direct Deposits are deposits from an employer, pension, or government for payroll, benefits (e.g., Social Security), or tax refunds. The following do not qualify: P2Ptransfers (e.g., money apps), account-to-account transfers (e.g., checking to checking), non-employer/government deposits (e.g., online or bank transfers), internal Dow Credit Union transfers, check deposits (including Online Banking Deposit Check), and ATM deposits. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV Non-Rebate Loan	-	5.49%	36-180 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Credit Card Rates

Product	Rate	APR
Low Rate Visa	-	10.49%
Details After that, your APR will vary with the market based on the Prime Rate. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Low-Rate Visa Credit Card	-	10.49%
Details Variable Rate as of 12/29/2025. APR will vary with the market based on the prime rate. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Personal Loan Rates

Product	APR	Term	View More
Personal Non-Rebate Loan	8.00%	36-72 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Other Rates

Product	Rate	Points	APY/APR
Bump Rate CDs	-	-	3.65%
Details 0% - 3.65% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.65% ▲ 0.09 pts · high 3.65% / low 3.56% Oct 6, 20263.65%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Bump Rate CDs	-	-	4.01%
Details 10% - 4.01% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.88% → 4.01% ▲ 0.13 pts · high 4.01% / low 3.88% Oct 6, 20264.01%▲ from 3.88% Sep 14, 20263.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Bump Rate CDs	-	-	4.38%
Details 20% - 4.38% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.53% → 4.38% ▼ 0.15 pts · high 4.53% / low 4.38% Oct 6, 20264.38%▼ from 4.53% Sep 14, 20264.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Bump Rate CDs	-	-	4.74%
Details 30% - 4.74% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.53% → 4.74% ▲ 0.21 pts · high 4.74% / low 4.53% Oct 6, 20264.74%▲ from 4.53% Sep 14, 20264.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Bump Rate CDs	-	-	5.11%
Details 40% - 5.11% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.53% → 5.11% ▲ 0.58 pts · high 5.11% / low 4.53% Oct 6, 20265.11%▲ from 4.53% Sep 14, 20264.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
HSA CDs	-	-	3.58%
Details 0% - 5.01% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.58% ▲ 0.02 pts · high 3.58% / low 3.56% Oct 6, 20263.58%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
HSA CDs	-	-	3.94%
Details 10% - 5.11% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.94% ▼ 0.06 pts · high 4.00% / low 3.94% Oct 6, 20263.94%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
HSA CDs	-	-	4.29%
Details 20% - 5.11% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.33% → 4.29% ▼ 0.04 pts · high 4.33% / low 4.29% Oct 6, 20264.29%▼ from 4.33% Sep 14, 20264.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
HSA CDs	-	-	4.65%
Details 30% - 5.11% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.66% → 4.65% ▼ 0.01 pts · high 4.66% / low 4.65% Oct 6, 20264.65%▼ from 4.66% Sep 14, 20264.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
HSA CDs	-	-	5.01%
Details 40% - 5.11% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.66% → 5.01% ▲ 0.35 pts · high 5.01% / low 4.66% Oct 6, 20265.01%▲ from 4.66% Sep 14, 20264.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Premium High Yield Deposit	2.00%	-	2.02%
Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.89% → 2.02% ▲ 0.13 pts · high 2.02% / low 1.89% Sep 22, 20262.02%▲ from 1.89% Sep 14, 20261.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Premium High Yield Deposit	2.58%	-	2.61%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.46% → 2.61% ▲ 0.15 pts · high 2.61% / low 2.46% Sep 22, 20262.61%▲ from 2.46% Sep 14, 20262.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Premium High Yield Deposit	2.80%	-	2.83%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.69% → 2.83% ▲ 0.14 pts · high 2.83% / low 2.69% Sep 22, 20262.83%▲ from 2.69% Sep 14, 20262.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Premium High Yield Deposit	3.08%	-	3.12%
Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.91% → 3.12% ▲ 0.21 pts · high 3.12% / low 2.91% Sep 22, 20263.12%▲ from 2.91% Sep 14, 20262.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Prime Savings	-	-	0.35%
Details 0% balance tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Secondary Savings	-	-	0.35%
Details 0% tier Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple High Yield Deposit	2.40%	-	2.42%
Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.28% → 2.42% ▲ 0.14 pts · high 2.42% / low 2.28% Sep 22, 20262.42%▲ from 2.28% Sep 14, 20262.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple High Yield Deposit	3.10%	-	3.14%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.95% → 3.14% ▲ 0.19 pts · high 3.14% / low 2.95% Sep 22, 20263.14%▲ from 2.95% Sep 14, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple High Yield Deposit	3.36%	-	3.40%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.23% → 3.40% ▲ 0.17 pts · high 3.40% / low 3.23% Sep 22, 20263.40%▲ from 3.23% Sep 14, 20263.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple High Yield Deposit	3.70%	-	3.75%
Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.75% ▲ 0.24 pts · high 3.75% / low 3.51% Sep 22, 20263.75%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	3.54%
Details 0% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.54% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	3.89%
Details 10% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	4.24%
Details 20% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.24% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	4.60%
Details 30% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	4.95%
Details 40% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	3.58%
Details 0% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.58% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	3.94%
Details 10% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	4.29%
Details 20% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	4.65%
Details 30% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	5.01%
Details 40% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	3.65%
Details 0% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	4.01%
Details 10% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	4.38%
Details 20% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.38% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	4.74%
Details 30% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.74% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CDs	-	-	5.11%
Details 40% down payment Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.11% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Youth CDs	-	-	4.06%
Details Age: 0 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.07% → 4.06% ▼ 0.01 pts · high 4.07% / low 4.06% Oct 6, 20264.06%▼ from 4.07% Sep 14, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Youth CDs	-	-	4.43%
Details Age: 10% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.41% → 4.43% ▲ 0.02 pts · high 4.43% / low 4.41% Oct 6, 20264.43%▲ from 4.41% Sep 14, 20264.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Youth CDs	-	-	4.80%
Details Age: 20% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.75% → 4.80% ▲ 0.05 pts · high 4.80% / low 4.75% Oct 6, 20264.80%▲ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Youth CDs	-	-	5.17%
Details Age: 30% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.88% → 5.17% ▲ 0.29 pts · high 5.17% / low 4.88% Oct 6, 20265.17%▲ from 4.88% Sep 14, 20264.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Youth CDs	-	-	4.11%
Details Age: 40% Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.07% → 4.11% ▲ 0.04 pts · high 4.11% / low 4.07% Oct 6, 20264.11%▲ from 4.07% Sep 14, 20264.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

DOW’s Texas Ratio stayed near 1.34% in Q3 2023 to 1.26% in Q2 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.6B	1.26%	5.0	A+
March 31, 2026	$2.6B	1.23%	5.0	A+
December 31, 2025	$2.6B	1.90%	5.0	A+
September 30, 2025	$2.5B	1.67%	5.0	A+
June 30, 2025	$2.5B	1.63%	5.0	A+
March 31, 2025	$2.5B	1.26%	5.0	A+
December 31, 2024	$2.4B	1.47%	5.0	A+
September 30, 2024	$2.3B	1.64%	5.0	A+
June 30, 2024	$2.3B	1.26%	5.0	A+
March 31, 2024	$2.3B	1.16%	5.0	A+
December 31, 2023	$2.2B	1.85%	5.0	A+
September 30, 2023	$2.1B	1.34%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 176

Part-Time Employees 22

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.26%

Return on Assets (ROA)

0.3789%

Return on Equity (ROE)

3.7606%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

2,624,925,709

Total Amount of Shares and Deposits

2,349,786,372

Total Shares and Deposits < 1 Year

2,215,199,023

Total Shares and Deposits 1 3 Years

115,212,538

Total Shares and Deposits > 3 Years

19,374,811

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

190,355,519

Total Uninsured Shares and Deposits > $250K (F+J)

190,355,519

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,159,430,853

Total Interest Expense (Sum of items 6 8)

33,398,336

Share Certificates

22,093

Number of Accounts for Share Drafts

53,187

Number of Accounts for Regular Shares

108,034

All other shares

2,592

Money Market Shares

22,117

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)

78,807,067

Total Liabilities

2,383,463,886

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

DOW earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About DOW

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

12-Month CD3.58%
18-Month CD3.54%
24-Month CD3.65%
60-Month CD3.65%
Savings3.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

DOW Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

DOW Texas Ratio

DOW Health Trend

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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

DOW earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About DOW

How many branches does DOW operate?

Is a member application needed to join DOW?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does DOW offer online and mobile banking?

Current DOW Rates

Compare to Other Credit Unions