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 14, 2026

DOW's top rates as of October 14, 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 8.50% APR, and credit cards from 10.49% APR, according to rates verified by MonitorBankRates. Other DOW CD rates include Simple CD - 13 month SPECIAL at 4.50%, Simple CD - 24 month at 4.40%, and Simple CD - 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 10/14/2026.

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 months
Min Deposit $500 Details As High As; Rate effective 10/01/2026; APY assumes interest remains in certificate until maturity; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Simple CD - 13 month SPECIAL	4.41%	4.50%	13 Months
Min Deposit $500 Details Starting minimum deposit $500; not eligible for Member Saver Reward Last Updated 10/14/2026 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 CD - 24 month	4.31%	4.40%	24 Months
Min Deposit $500 Details Starting minimum deposit $500; not eligible for Member Saver Reward Last Updated 10/14/2026 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 CD - 36 month	4.31%	4.40%	36 Months
Min Deposit $500 Details Starting minimum deposit $500; not eligible for Member Saver Reward Last Updated 10/14/2026 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 CD - 48 month	4.31%	4.40%	48 Months
Min Deposit $500 Details Starting minimum deposit $500; not eligible for Member Saver Reward Last Updated 10/14/2026 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 CD - 60 month	4.31%	4.40%	60 Months
Min Deposit $500 Details Starting minimum deposit $500; not eligible for Member Saver Reward Last Updated 10/14/2026 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 CD - 3 month	4.27%	4.35%	3 Months
Min Deposit $500 Details Starting minimum deposit $500; not eligible for Member Saver Reward Last Updated 10/14/2026 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 CD - 12 month	4.22%	4.30%	12 Months
Min Deposit $500 Details Starting minimum deposit $500; not eligible for Member Saver Reward Last Updated 10/14/2026 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 CD - 18 month	4.17%	4.25%	18 Months
Min Deposit $500 Details Starting minimum deposit $500; not eligible for Member Saver Reward Last Updated 10/14/2026 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 CD - 6 month	4.17%	4.25%	6 Months
Min Deposit $500 Details Starting minimum deposit $500; not eligible for Member Saver Reward Last Updated 10/14/2026 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%
12 Month Youth CDs	3.67%	3.73%	12 Months
Min Deposit $500 Details Available to members if term maturity occurs before their 18th birthday; additional deposits of $50 or more allowed throughout the CD term; maximum total deposits $10,000; eligible for Member Saver Reward Last Updated 10/14/2026 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%
6 Month Youth CDs	3.63%	3.69%	6 Months
Min Deposit $500 Details Available to members if term maturity occurs before their 18th birthday; additional deposits of $50 or more allowed throughout the CD term; maximum total deposits $10,000; eligible for Member Saver Reward Last Updated 10/14/2026 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 Standard CDs	3.59%	3.65%	24 Months
Details HSA CDs Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
36 Month HSA Standard CDs	3.59%	3.65%	36 Months
Details HSA CDs Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
48 Month Bump Rate CD	3.59%	3.65%	48 Months
Min Deposit $500 Details Bump rate feature: CD owners may bump the rate one time during the term if rates increase; Member Saver Reward eligible Last Updated 10/14/2026 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%
48 Month HSA Bump Rate CDs	3.59%	3.65%	48 Months
Details HSA CDs Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
60 Month Bump Rate CD	3.59%	3.65%	60 Months
Min Deposit $500 Details Bump rate feature: CD owners may bump the rate one time during the term if rates increase; Member Saver Reward eligible Last Updated 10/14/2026 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%
Standard CD - 24 month	3.59%	3.65%	24 Months
Min Deposit $500 Details Eligible for Member Saver Reward Last Updated 10/14/2026 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%
Standard CD - 36 month	3.59%	3.65%	36 Months
Min Deposit $500 Details Eligible for Member Saver Reward Last Updated 10/14/2026 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%
12 Month HSA Standard CDs	3.52%	3.58%	12 Months
Details HSA CDs Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.58% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Standard CD - 12 month	3.52%	3.58%	12 Months
Min Deposit $500 Details Eligible for Member Saver Reward Last Updated 10/14/2026 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%
Standard CD - 18 month	3.48%	3.54%	18 Months
Min Deposit $500 Details Eligible for Member Saver Reward Last Updated 10/14/2026 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%
Standard CD - 6 month	3.48%	3.54%	6 Months
Min Deposit $500 Details Eligible for Member Saver Reward Last Updated 10/14/2026 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
Simple High Yield Savings	-	3.75%
Min Balance $150,000 Details As High As; Balance: $150,000 - $499,999.99; Rates effective 09/22/2026, subject to change daily Last Updated 10/14/2026 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%
Club Account	-	0.35%
Details Prospective APY at 0% Member Saver Reward giveback: 0.35%; 10% giveback: 0.39%; 20% giveback: 0.42%; 30% giveback: 0.46%; 40% giveback: 0.49%. Funds not accessible until established maturity date; early withdrawal forfeits accrued interest. Effective October 1, 2026 [listed rate is current] Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 0.49% → 0.35% ▼ 0.14 pts · high 0.49% / low 0.35% Oct 14, 20260.35%▼ from 0.49% Oct 6, 20260.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Prime Savings	0.35%	0.35%
Details Effective October 1, 2026 [listed rate is current] Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Secondary Savings	0.35%	0.35%
Details Effective October 1, 2026 [listed rate is current]; Eligible for Member Saver Reward Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 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%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $20,000.00; On balances up to $20,000 after qualifying activities. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 5.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Classic Checking	0.25%	0.25%
Details Classic Rate; no fees, no minimum Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 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 (HELOC)	-	-	6.75%
Details Variable APR; Wall Street Journal Prime minus 0.250% margin; APR floor 3.250%, cap 18.00%; 10-year draw period, 20-year repayment; maximum CLTV 90%; Membership Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.75% APR 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 Loan	-	-	4.74%	36-96 months
Details As Low As; Non-Rebate; Rates effective 10/13/2026; as low as rate requires established qualifying monthly direct deposit totaling at least $900.00 in previous or current month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.74% APR 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 Loan	-	5.74%	36-180 months
Details As Low As; Non-Rebate; Rates effective 10/13/2026; as low as rate requires established qualifying monthly direct deposit totaling at least $900.00 in previous or current month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Credit Card Rates

Product	Rate	APR	View More
Low-Rate Visa Credit Card	-	10.49%
Details Variable APR Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Personal Loan Rates

Product	APR	Term	View More
Personal Loan	8.50%	36-72 months
Details As Low As; Non-Rebate; Rates effective 10/13/2026; as low as rate requires established qualifying monthly direct deposit totaling at least $900.00 in previous or current month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

DOW Other Rates

Product	Rate	Points	APY/APR
Premium High Yield Deposit	2.00%	-	2.02%
Min Balance $0 Details Balance: $0 - $49,999.99; Eligible for Member Saver Reward Last Updated 10/14/2026 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; Eligible for Member Saver Reward Last Updated 10/14/2026 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; Eligible for Member Saver Reward Last Updated 10/14/2026 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+; Eligible for Member Saver Reward Last Updated 10/14/2026 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%
Premium High Yield Deposit	-	-	2.02%
Min Balance $0 Details Balance: $0 - $49,999.99; Member Saver Reward Giveback 0%; Prospective APY Last Updated 10/14/2026 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	-	-	2.61%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Member Saver Reward Giveback 0%; Prospective APY Last Updated 10/14/2026 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	-	-	2.83%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99; Member Saver Reward Giveback 0%; Prospective APY Last Updated 10/14/2026 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	-	-	3.12%
Min Balance $150,000 Details Balance: $150,000 and over; Member Saver Reward Giveback 0%; Prospective APY Last Updated 10/14/2026 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%
Secondary Savings	-	-	0.35%
Details Member Saver Reward Giveback Percentage 0%; Prospective APY (demonstration only, not guaranteed) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 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; Not eligible for Member Saver Reward Last Updated 10/14/2026 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; Not eligible for Member Saver Reward Last Updated 10/14/2026 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; Not eligible for Member Saver Reward Last Updated 10/14/2026 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+; Not eligible for Member Saver Reward Last Updated 10/14/2026 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%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

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☆☆☆☆☆

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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

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Financial Health History

Methodology & Data Sources

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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