There are many ways to save, and you can count on a competitive interest rate at Dow Credit Union.  We proudly share our rates online.  Compare and see the value of a Dow Credit Union membership!

Click here to check our Current Rates.

Regular Savings Account – This account establishes your membership in the credit union.  You must maintain a minimum balance of $10 in your regular share account   Dividend rates are paid quarterly if the average daily balance in the account is more than $100.

Rate Chaser Money Market– Rate Chaser Money Market – This tiered account requires a minimum of $2,500 to open.  The higher your balance the more you can earn!

Certificate Accounts – These accounts let you deposit your money for a specific rate for a specified period:  6 months, 1 year, 2 years or 3 years. The longer the term the better the dividend rate!

Youth Accounts – Youth members may maintain a membership savings account with a required $10 minimum balance.  Dividends are paid quarterly if the average daily balance in the account is more than $100.

Club Account – This special purpose Savings Account allows you to save money for the holidays, vacations, and your children’s education. It provides you with a secure way of “socking” money away.  Use direct deposit and discover how quickly your money can grow when you put your savings on automatic!

IRAs or Individual Retirement Accounts – Save money for your retirement. We have Passbook IRAs or Certificate IRAs. Contributions and Withdrawals to IRAs are subject to IRS rules and early distribution may be subject to penalties.

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 savings, checking, Rate Chaser Money Market, and certificates.  Also, IRAs are insured separately.  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 savings insurance coverage, according to the NCUA.  For a free brochure detailing this information, stop by or call us.

Other Safeguards
Dow Credit Union operates with a safety net of capital that exceeds our peer group and the amount required by regulators.  We also enjoy ample liquidity should the need arise.