Credit union · NCUA insured
Dow Credit Union CD Rates
Dow Credit Union’s best CD rate is 3.51% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Dow Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Dow Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dow Credit Union
3.51%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $713
Certificates
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Dow Credit Union CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.51%
- 31–60 months31–60 mo2.22%
- QualifiedQualified3.51%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Dow Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 3.51%APY · 6 terms
Dividends are compounded and credited quarterly for terms of 1 year or longer, and compounded and credited monthly for 6-month terms. Early withdrawal penalties may apply. Match or Beat Rate promotion available for terms from 6 to 60 months with $1,000 minimum in new funds up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded monthly and credited monthly | 3.00% | $149 |
| 12 monthsDividends compounded quarterly and credited quarterly | 3.00% | $300 |
| 24 monthsDividends compounded quarterly and credited quarterly | 3.51% | $713 |
| 36 monthsDividends compounded quarterly and credited quarterly | 2.22% | $682 |
| 48 monthsDividends compounded quarterly and credited quarterly | 2.22% | $919 |
| 60 monthsDividends compounded quarterly and credited quarterly | 2.12% | $1,106 |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.51%APY · 5 terms
Available for Traditional IRA, Roth IRA, and Education IRA. Dividends are compounded quarterly and credited quarterly. Terms from 1 year up to 5 years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded quarterly and credited quarterly | 3.00% | $300 |
| 24 monthsDividends compounded quarterly and credited quarterly | 3.51% | $713 |
| 36 monthsDividends compounded quarterly and credited quarterly | 2.22% | $682 |
| 48 monthsDividends compounded quarterly and credited quarterly | 2.22% | $919 |
| 60 monthsDividends compounded quarterly and credited quarterly | 2.12% | $1,106 |
Who can join Dow Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.