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High Yield

Simple1

as high as
3.51
% APY

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CDs

3 Month Simple2

as high as
4.40
% APY

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Auto

36 Month Non-Rebate3,4

as low as
5.49
% APR

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Mortgage

Fixed Rate Non-Rebate5

as low as
6.107% APR

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HELOC

Single Advance5

as low as
8.564
% APR

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Credit Card

Low-Rate Visa®7

as low as
11.24
% APR

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RV

Non-Rebate3,4

as low as
6.49
% APR

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Personal

Non-Rebate3

as low as
8.50
% APR

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  1. APY = Annual Percentage Yield. Rates effective 04/01/2025 and subject to change on a daily basis. 3.51% APY rate eligible on Simple High-Yield account balances $500,000.00+.
  2. APY = Annual Percentage Yield. Rate effective 05/02/2025 and subject to change on a daily basis. APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. Starting minimum deposit is $500. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
  3. APR= Annual Percentage Rate. Rates effective 04/15/2025. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Certain restrictions may apply.
  4. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. Qualifying Direct Deposits are deposits from an employer, pension, or government for payroll, benefits (e.g., Social Security), or tax refunds. The following do not qualify: P2Ptransfers (e.g., money apps), account-to-account transfers (e.g., checking to checking), non-employer/government deposits (e.g., online or bank transfers), internal Dow Credit Union transfers, check deposits (including Online Banking Deposit Check), and ATM deposits.
  5. APR= Annual Percentage Rate. Rates effective 05/20/2025. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Limited to developed, non-agricultural, non-income producing homes located within Michigan. Purchase of Private Mortgage Insurance (PMI) required for financing above 80%. Other limitations may apply. APR based on a no point $150,000 loan with 80% loan-to-value.
  6. Rates effective 05/20/2025. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Limited to developed, non-agricultural, non-income producing homes located within Michigan. Other limitations may apply. APR based on a $40,000 loan.
  7. APR= Annual Percentage Rate. Variable Rate as of 01/23/2025. APR will vary with the market based on the prime rate.