Take advantage of our current featured offers that will save you money and help you earn more!
Car Loan Rates as Low as 3.79%APR* for 36 Months!
Invest In America Vehicle Purchase Discount
Consolidate with PrimeLine HELOC
Free Founder's Checking
Dow Credit Union offers a broad range of home financing choices including purchase money first mortgages, 30-year fixed loans, and many more. Whether you are buying a home or thinking of refinancing, contact us first.
Our members can count on straight-forward terms, no hidden fees and competitive rates. Let us help make your dream home a reality or your current home mortgage more comfortable. Visit the Homes page under the Loans and Credit tab for more details, or click the icon above.
New Car? Used Car? Get the Same Great Rate! As low as 3.79%APR for 36 Months!
May we help you realize your dream for a new vehicle? Our car loan rates are very competitive, and now you can select terms from 36 months to 84 months! Best of all, you can finance a used vehicle (model years 2002-2010) for the new car rate!
If you have an auto loan with another lender, contact us to see if refinancing will save you money! There's no application fee at Dow Credit Union! We’ll even check for a friend or relative without their needing to join first.
*Annual Percentage Rate for 36 month term, tier 1 credit. Other rates and terms are available. All loans are subject to credit approval. Rates may change at any time. Membership eligibility requirements may apply.
Invest In America Program Offers $500 Discount
For more information, click one of the icons under Member Offers at www.lovemycreditunion.org. Discounts are higher on selected models and discounts may be combined with other current incentives. Call our lending department for the best rates at 925-331-1010 Option 1. Remember you also have a link to additional auto buying information on our home page. Click on the Auto Smart icon on the left side of the home page for information on Credit Union Direct Lending dealers and more.
Consolidate HIgh Rate Credit Cards and Save!
Your PrimeLIne Home Equity Line of Credit has dropped to 3.500%APR!
Free 'Founders Checking' is Back
No minimum monthly balance requirement and no monthly service fee for members opening a Founders Checking account in 2009, our 70th anniversary year.
We're here to help!
Call the Loan Department for some financial counseling...today! 925-331-1010 Option 1 for the Loan Department.
Buying a Home? Call us! More Home Loan Choices Now Available
Our members can count on straight-forward terms, no hidden fees and competitive rates. Let us help make your dream home a reality or your current home mortgage more comfortable. Visit the Homes page under the Loans and Credit tab for more details, or click here:
Find all the latest news from your credit union right here.
Mobile Money at Your Fingertips
Help Deserving Kids Get Set for School
Beware of SMiShing Attacks
FREE Access to 28,000 CO-OP Network ATMs
Young Adults: Get On Your Way with Dow Credit Union!
Serving All East Contra Costa County
Amusement Park Coupons
Safe, Secure & Strong Savings
Member Survey Details: Personal Service is Tops
Where Dow CU Excels
Valuable Insights
Virtual Branch users now can enjoy an added level of convenience: access to your accounts from your mobile phone. It’s secure, easy and free! Sign up for Mobile Money by accessing your account through Virtual Branch and you’ll be able to check your account balances and transactions, transfer funds, receive text message account alerts, and pay bills—all from your mobile phone. You may access Mobile Money from any device on any network in the country.
Help Deserving Kids Get Set for School
Dow Credit Union is a drop off site for the Bay Area News Group’s annual backpack and school supplies drive, Project Ready to Learn which ends August 16. This drive supplies new backpacks and new school supplies to impoverished kids throughout the East Bay. You will find a designated barrel in our Antioch branch for your donation which will benefit local students. Any new supplies you are able to contribute are appreciated.
Cash Donations
Cash donations are accepted as well. Contra Costa residents may donate online at www.vestiainc.org or write a check to VESTIA. Include the words "Project Ready to Learn" in the memo line. Mail checks to VESTIA, 400 Ellinwood Way, Pleasant Hill, CA 94523. For details, call Laura Casey at (925) 952-2697.
Below is a list of needed school supplies, but please note that all school supply items must be new. We cannot accept old or even "gently used" supplies, so please do not open packages, sharpen pencils, etc. Also, backpacks with prints and most colors are fine, but please avoid solid colored backpacks in bright red or blue.
The latest high-tech crime wave involves sending fraudulent text messages to cell phones of unsuspecting consumers. The scheme is known as "smishing"—an acronym for short message services.
These SMiShing text messages appear to come from the consumer’s financial institution and may indicate a debit card has been inactivated. The consumer is instructed to contact a number and provide their PIN to reactivate the card. Remember, Dow Credit Union does not send such messages by text or by email. If you ever have a question, contact us directly at our main branch number as provided here and on official credit union correspondence and statements: (925) 331-1010 option 4.
When you contact us, we may ask for personal information to confirm identity for your protection, such as your name, date of birth, and/or last four digits of a social security number, but we will never ask you for your PIN. We urge you to be vigilant in guarding your personal information.
Members of Dow Credit Union have access to surcharge-free ATMs owned by other credit unions participating in the CO-OP Network of ATMs. Just look for the CO-OP Network logo. As a member of Dow Credit Union, you may use these ATMs with no charge from the ATM owner or from Dow Credit Union.
There are more than 28,000 CO-OP Network ATMs with 5,500 located at 7-Eleven stores. You can easily find a CO-OP Network ATM near your home or place of business by using the Locator provided at www.co-opfs.org. Just select the Locators tab from the home page and then click on the red CO-OP Network logo, or just click here.
***New: Get On Your Way with Dow Credit Union!
Begin your financial life the right way—with Dow Credit Union! We keep your best interests in mind and provide you the best overall value for all your financial needs, all delivered with personal service hard to find elsewhere. We are not obligated to Wall Street investors, but to you, our members.
If you’re in your 20’s or 30’s, we invite you to explore our On Your Way program and visit regularly. When you visit you’ll be asked to sign-up. It’s fast and free! On Your Way gives you access to a variety of educational resources. You’ll find educational videos, articles and blogs on topics relevant to you, like renting versus buying, auto buying tips, managing credit and more. Come back often and increase your chances of winning one of the valuable monthly giveaways. To fully participate in the reward programs that On Your Way has to offer, you must be an adult Dow Credit Union member in good standing. Contact us with any questions you may have. We’re here to help you get there.
Click to explore On Your Way now!
Dow Credit Union: Here to Serve Everyone in East Contra Costa County
Now everyone who lives, regularly works, worships or attends school in any of the nine East County communities may become a member. These communities include Antioch, Brentwood, Oakley, Bethel Island, Byron, Pittsburg, Bay Point, Knightsen, and Discovery Bay. Dow Credit Union is the only financial institution headquartered in East County that serves all of East County. We'll do more for you!
Discount Coupons for Great America and Six Flags
While supplies last, we have discount coupons for local amusement parks. Stop by to save!
Safe, Insured Savings at Dow Credit Union
Your savings accounts with Dow Credit Union are insured by the National Credit Union Administration (NCUA), an agency of the federal government, up to at least $250,000. Contact us should you have any questions at 925-331-1010. Also, the NCUA provides a toll free telephone number for consumers with questions related to their deposit insurance. You may reach the NCUA by calling 1-800-755-1030 between 8 a.m and 6 p.m. Eastern.
Federal insurance protects your money at Dow Credit Union in share savings, share draft/checking, money market, share certificate, trust fund, and retirement accounts.
Accounts owned by two or more individuals are insured separately from funds in single ownership accounts. NCUA also separately insures, up to $250,000 for each beneficiary, accounts where the depositor indicates that upon his or her death, funds will be owned by one or more qualified beneficiary/ies.
It's important to understand that, depending on the type and ownership of accounts, you can have more than $250,000 in share insurance coverage, according to the NCUA. For a free brochure detailing this information, stop by or call us.
Other Safeguards
Your credit union operates with a safety net of capital that exceeds our peer group and the amount required by our regulators. We also enjoy ample liquidity should the need arise. And, while the 'full faith and credit' of the U.S. Treasury protects your savings in each federally insured financial institution up to the federal insurance limits, not one cent of insured credit union savings has ever been lost or required a taxpayer-paid rescue.
Members Say Personal Service is Tops at Dow Credit Union
More Survey Details
Thank you to the many members who replied to our recent survey to share their opinions on Dow Credit Union. We love hearing from you! And, your input is essential to our ongoing training and strategic planning. We shared summary information in our recent newsletter, and as promised, here are more details than space allowed in the newsletter.
Across nearly all age groups, members responded consistently:
#1: quality personal service
#2: better rates
#3: convenient locations (ages 31+); convenient loan products (ages 18-30).
Some survey comments indicate a few key points we wish to clarify:
Independent Oversight–While Dow Credit Union was formed originally to serve the employees of Dow Chemical Company’s west coast facilities, the credit union’s oversight is completely independent of Dow Chemical Company. Our members elect a volunteer Board of Directors and Supervisory Committee from the membership. Both groups are made up of members who volunteer many hours of time each year. Together with the credit union’s management team, the business of the credit union is handled, ensuring the institution’s continued soundness and stability. Only authorized loan officers review loan applications. Government regulations, strict privacy policies and stringent internal controls protect member account information.
By having a volunteer unpaid board of directors, unlike banks, we are able to return more value—by providing better rates and lower fees—to members.
Today we continue to serve members employed by Dow at west coast facilities, but in addition we may serve everyone who lives, works, regularly attends school or worships in all of east Contra Costa County.
- Membership eligibility–Dow retirees may join the credit union any time regardless of where they live. Relatives of members may become members as well, regardless of where they live. Also, remember the credit union now has a community charter, so that it may serve anyone who lives or works in any of the nine east Contra Costa County cities.
- Online Banking–Dow Credit Union does offer members home banking and an online bill pay feature. The service is known as Virtual Branch and is protected by the highest level of secured encryption available today. Members with a checking account have free access to home banking where they can check balances, transfer funds and more. With an aggregate loan or deposit balance of $2,500, Bill Pay is free too.
Just logon to Virtual Branch on our home page, and follow the Getting Started prompts. Then you can logon at your convenience any time of day to do your banking. Call us with any questions you may have; we’re happy to assist you.
- Free ATMs–Members have access to more FREE ATMs than even major banks provide their customers. These 28,000 CO-OP Network ATMs are FREE to members – meaning NO fee from Dow Credit Union and NO fee from the ATM owner. You’ll find them at 7-Eleven stores, other participating credit unions, and other locations. Just look for the CO-OP logo. Many accept deposits. Use the locator at www.co-opfs.com to find an ATM near you. This convenient ATM network is another cost-efficient solution in the tradition of the cooperative movement that benefits you.
- After Hours Deposits–Members may make deposits after hours by using the drop box at the Antioch branch, or one of the deposit-taking CO-OP Network ATMs. Locate a deposit-taking ATM near you by using the locator at www.co-opfs.org
- Fees–Yes, we do have fees, but far fewer and less costly than a bank charges. Dow Credit Union protects members’ assets by leveling fair fees for services provided or account activity that impacts the cooperative in a negative way.
- Rates, Other Services and Web site–Dow CU offers free and interest checking, free VISA debit card, convenient online tools, such as calculators, check re-ordering, loan applications, and auto purchasing tools. Members can find just about all the information they might need on products, services, events and more online at our Web site. We proudly provide our rates online too, something many banks have stopped posting.
Thank you again for sharing your opinions with us and for the opportunity to serve you.