Credit union · NCUA insured
Dow Credit Union CD Rates
Top CarrotDow Credit Union’s best CD rate is 4.50% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Dow Credit Union’s CD rates compare
Compared with banks and credit unions near Saginaw, MI, where Dow Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dow Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $488
Simple CDs
Top rate
Health Advantage Credit Union
4.50%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $336
3rd-highest rate
Family First Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $566
Dow Credit Union CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.35%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.50%
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.
Simple CDs
Up to 4.50%APY · 9 terms
Starting minimum deposit of $500. Not eligible for the potential year-end Member Saver Reward. Rates effective 10/01/2026. Terms: 3, 6, 12, 13, 18, 24, 36, 48, 60 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 3 Months | 4.35% | $107 |
| 6 monthsTerm: 6 Months | 4.25% | $210 |
| 12 monthsTerm: 12 Months | 4.30% | $430 |
| 13 monthsTerm: 13 Months SPECIAL | 4.50% | $488 |
| 18 monthsTerm: 18 Months | 4.25% | $644 |
| 24 monthsTerm: 24 Months | 4.40% | $899 |
| 36 monthsTerm: 36 Months | 4.40% | $1,379 |
| 48 monthsTerm: 48 Months | 4.40% | $1,880 |
| 60 monthsTerm: 60 Months | 4.40% | $2,402 |
Sources (1)
- dowcreditunion.org/account/certificates-of-deposit · captured Oct 5, 2026
Bump Rate CDs
3.65%APY · 2 terms
If rates increase, CD owners have the option to bump the rate one time during the term. Starting minimum deposit is $500. Eligible for Member Saver Reward. APY assumes interest payouts remain in certificate account until maturity. Early withdrawal penalty may apply. Not available for CD Secured Loans.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 months | 3.65% | $1,542 |
| 60 months | 3.65% | $1,963 |
Sources (2)
All captured Oct 5, 2026
Standard CDs
Up to 3.65%APY · 5 terms
Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit is $500. Eligible for Member Saver Reward. APY assumes interest payouts remain in account until maturity. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.54% | $175 |
| 12 months | 3.58% | $358 |
| 18 months | 3.54% | $536 |
| 24 months | 3.65% | $743 |
| 36 months | 3.65% | $1,135 |
Sources (1)
- dowcreditunion.org/account/certificates-of-deposit · captured Oct 5, 2026
Special-purpose accounts
Youth CDs
Up to 3.73%APY · 2 terms
Available to members if term maturity occurs before their 18th birthday. Additional deposits of $50 or more are allowed throughout the CD term. Starting minimum deposit of $500 and maximum total deposits of $10,000. Eligible for Member Saver Reward. APY assumes interest payouts remain in account until maturity. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.69% | $183 |
| 12 months | 3.73% | $373 |
Sources (1)
- dowcreditunion.org/account/certificates-of-deposit · captured Oct 5, 2026
HSA CDs
Up to 3.65%APY · 4 terms
Designed specifically for individuals who have a health savings plan. Starting minimum deposit is $500. Eligible for Member Saver Reward. APY assumes interest payouts remain in certificate account until maturity. Early withdrawal penalty may apply. Can be opened by calling or stopping by.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.58% | $358 |
| 24 months | 3.65% | $743 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.65% | $1,542 |
Sources (1)
- dowcreditunion.org/account/certificates-of-deposit · captured Oct 5, 2026
Who can join Dow Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone living outside Michigan can become a member by making a $10 donation to the Multipliers for Good charitable fund.
Where you live or work
- Membership is open to everyone who lives in Michigan.
Cost to join
- Membership requires a $5.00 deposit into a prime savings account representing one share and ownership in the credit union.
- A $10 donation to the Multipliers for Good charitable fund is required to join for those living outside Michigan.
Membership information collected October 5, 2026.