Credit union · NCUA insured
Dow Credit Union Credit Card Rates
Top CarrotDow Credit Union credit cards start at 10.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Dow Credit Union’s credit card rates compare
Compared with banks and credit unions near Saginaw, MI, where Dow Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Dow Credit Union
10.74%APR
Low-Rate Visa Credit Card
Lowest rate
Family First Credit Union
8.90%APR
2nd-lowest rate
Security Credit Union
8.90%APR
Dow Credit Union credit card score
80
Credit card score
Higher than 53% of U.S. banks and credit unions
- Purchase APRPurchase APR10.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Dow Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Low-Rate Visa Credit Card
Membership eligibility required. Variable APR based on Prime Rate. No annual fee, no cash advance fees, and no international transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.49% | None | Variable APR for purchases based on Prime plus 3.74%. Rate will not exceed 24.99% APR. |
| Intro, 15 months | 0.00% | None | Introductory APR for up to 15 billing cycles on transfers initiated within 90 days of card opening. After that, variable APR applies (Prime plus 3.74%). Balance transfer fee is the greater of $25 or 3% of the transfer amount. Offer valid only on balances from non-Dow Credit Union credit cards and loans. |
Sources (2)
All captured Oct 7, 2026
Rebate-Eligible Visa Credit Card
Membership eligibility required. Eligible for Year-End Loan Interest Rebate (Member Giveback benefit). Variable APR based on Prime Rate. No annual fee, no cash advance fees, and no international transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49% | None | Variable APR for purchases based on the prime rate. |
| Intro, 15 months | 3.90% | None | Introductory APR for up to 15 billing cycles on transfers initiated within 90 days of card opening. After that, variable APR applies. Balance transfer fee is the greater of $25 or 3% of the transfer amount. Offer valid only on balances from non-Dow Credit Union credit cards and loans. |
Sources (1)
- dowcreditunion.org/loans/credit-cards · captured Oct 7, 2026
Rewards Visa Credit Card
Membership eligibility required. Earns YourRewards points (1 point per net $1 spent, double points for the first 90 days). Variable APR based on Prime Rate. No annual fee, no cash advance fees, and no international transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49% | None | Variable APR for purchases based on the prime rate. |
Sources (1)
- dowcreditunion.org/loans/credit-cards · captured Oct 7, 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.