--- title: "Dow Credit Union Rates - Michigan" description: "Current auto loan, and savings & cd rates from Dow Credit Union in Michigan. Updated daily with source verification. See who can join Dow Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/dow-credit-union" last-updated: "2026-09-27" source: "https://rateapi.dev/llms.txt" --- # Dow Credit Union Rates - Michigan ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loans [non-rebate] (Up to 36 months)** auto_any_36mo | — APR | 4.490% | 36 mo | Standard | | **Auto Loans [non-rebate] (37 to 48 months)** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **Auto Loans [non-rebate] (49 to 60 months)** auto_any_60mo | — APR | 5.240% | 60 mo | Standard | | **Auto Loans [non-rebate] (73 to 84 months)** auto_any_84mo | — APR | 5.490% | 84 mo | Standard | | **Auto Loans [non-rebate] (61 to 72 months)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **Auto Loans [non-rebate] (85 to 96 months)** auto_any_96mo | — APR | 5.990% | 96 mo | Standard | Dow Credit Union auto & vehicle rates as of September 25, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Simple High Yield Deposit** savings | — APY | 3.75% | — | Standard | | **Simple CDs (6 Months)** cd_6mo | — APY | 4.17% | 6 mo | Standard | | **Simple CDs (18 Months)** cd_18mo | — APY | 4.17% | 18 mo | Standard | | **Simple CDs (12 Months)** cd_12mo | — APY | 4.22% | 12 mo | Standard | | **Standard CDs** savings | — APY | 4.24% | — | Standard | | **Simple CDs (3 Months)** cd_3mo | — APY | 4.27% | 3 mo | Standard | | **HSA CDs** savings | — APY | 4.29% | — | Standard | | **Simple CDs (48 Months)** cd_48mo | — APY | 4.31% | 48 mo | Standard | | **Simple CDs (60 Months)** cd_60mo | — APY | 4.31% | 60 mo | Standard | | **Simple CDs (24 Months)** cd_24mo | — APY | 4.31% | 24 mo | Standard | | **Simple CDs (36 Months)** cd_36mo | — APY | 4.31% | 36 mo | Standard | | **Simple CDs (13 Months SPECIAL)** cd_13mo | — APY | 4.41% | 13 mo | Standard | | **Simple CD** cd | — APY | 4.50% | — | Standard | Dow Credit Union savings & cd rates as of September 25, 2026 Dow Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/dow) , verified from [Dow Credit Union's official website](https://dowcreditunion.org/) Loading branch locator… ## About Dow Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 83.8K Assets $2.6B Founded 1937 Locations reported 2 NCUA charter 60137 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Jolt** Midland Branch · Midland · MI · 48640-2660 About 5.9 miles away](https://rateapi.dev/credit-unions/michigan/jolt) [**Health Advantage** Midland Office · Midland · MI · 48640 About 6.2 miles away](https://rateapi.dev/credit-unions/michigan/health-advantage) [**Members First** Members First Credit Union - Dartmouth Office · Midland · MI · 48640 About 6.3 miles away](https://rateapi.dev/credit-unions/michigan/members-first) [**Frankenmuth** Midland · Midland · MI · 48640 About 6.3 miles away](https://rateapi.dev/credit-unions/michigan/frankenmuth) [**Security** Midland Office · Midland · MI · 48640 About 6.4 miles away](https://rateapi.dev/credit-unions/michigan/security) [**Wildfire** Midland Branch · Midland · MI · 48642 About 9.8 miles away](https://rateapi.dev/credit-unions/michigan/wildfire) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Dow Credit Union Membership eligibility from Dow Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . **Open to anyone.** Anyone can become a member — no employer, location, or affiliation requirement. **Cost to join:** About $10. Verified from [Dow Credit Union's membership page](https://dowcreditunion.org/join) . Final membership determination is always made by the credit union. ## Membership rules for Dow Credit Union Open to anyone 1 published path to membership, last verified August 20, 2026, quoted from Dow Credit Union’s own published criteria. ### Open to anyone 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 20, 2026 - Deposit Purchase “No matter where you live, you can become a member by making a $10 donation to our Multipliers for Good charitable fund” > [source ↗](https://dowcreditunion.org/join) - Open to anyone and Qualifying payment of $10 Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Dow Credit Union? Yes No ## Work at Dow Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Dow Credit Union ranks against Michigan peers. - See which AI assistants fetched Dow Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=dow&state=michigan&code=MI&name=Dow%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Dow Credit Union offer? Dow Credit Union currently offers Auto loan rates. The rates shown on this page were last verified September 25, 2026 directly from the credit union's official website. ### How often are Dow Credit Union rates updated? RateAPI verifies Dow Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified September 25, 2026. ### Where does RateAPI get Dow Credit Union's rate data? Rate data is collected directly from Dow Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Dow Credit Union? Anyone can join Dow Credit Union — there is no employer, location, or affiliation requirement. RateAPI tracks 1 published membership path for Dow Credit Union, each quoted from Dow Credit Union's own published membership criteria. ## Related Rate Data Compare Dow Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://dowcreditunion.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Dow Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Dow Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /dow " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Dow Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/dow-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp