Credit union · NCUA insured
Dow Credit Union Savings Rates
Top CarrotDow Credit Union’s best savings rate is 2.42% APY on $10,000, with its Simple High Yield Deposit. Rates checked October 16, 2026.
How Dow Credit Union’s savings 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
2.42%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $242
Simple High Yield Deposit
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Members First Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Dow Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0002.42%
- $10,000 balance$10,0002.42%
- $100,000 balance$100,0003.40%
- QualifiedQualified2.42%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Simple High Yield Deposit
2.42%APY
The Simple High Yield Deposit savings account is an alternative high yield savings account that allows you to earn more interest the more you save. It offers a higher yield that automatically adjusts as your balance changes, however, it is not eligible for the potential year-end Member Saver Reward.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 2.42% | $242 |
| $50,000 – $100,000 | 3.14% | — |
| $100,000 – $150,000 | 3.40% | — |
| $150,000 and up | 3.75% | — |
Sources (1)
- dowcreditunion.org/account/savings · captured Oct 5, 2026
Premium High Yield Deposit
2.02%APY
At Dow Credit Union, we believe the more money you save, the more interest you should earn. Our Premium High Yield Account allows you to earn a highly competitive yield that automatically adjusts as your balance changes. Eligible for Member Saver Reward.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 2.02% | $202 |
| $50,000 – $100,000 | 2.61% | — |
| $100,000 – $150,000 | 2.83% | — |
| $150,000 and up | 3.12% | — |
Sources (1)
- dowcreditunion.org/account/savings · captured Oct 5, 2026
Prime Savings
0.35%APY
The Prime Savings Account (also known as a Prime Share) is your gateway to becoming a member-owner of Dow Credit Union. By opening a Prime Savings Account, your $5 deposit represents one share and your ownership in the credit union. Eligible for Member Saver Reward. Dividends on share accounts are prospective and declared by Dow Credit Union's Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.35% | $35 |
Sources (1)
- dowcreditunion.org/account/savings · captured Oct 5, 2026
Secondary Savings
0.35%APY
Our Secondary Savings Account allows you to save for a specific purpose and keep those funds separate from your Prime Savings. Eligible for Member Saver Reward. Dividends on share accounts are prospective and declared by Dow Credit Union's Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.35% | $35 |
Sources (1)
- dowcreditunion.org/account/savings · captured Oct 5, 2026
Special-purpose accounts
Club Account
0.35%APY
No minimum balance required. Funds are not accessible until the established maturity date; upon early withdrawal, member forfeits accrued interest. Eligible for Member Saver Reward.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.35% | $35 |
Sources (1)
- dowcreditunion.org/account/savings · 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.