About Member Giveback
Returning Millions to Eligible Members Since 1955
At Dow Credit Union, our valued members are at the heart of everything we do. That’s why, year after year, we proudly share our collective success by giving back. Our strong and consistent financial health allows us to return surplus earnings through meaningful rebates and rewards.1 It’s not just a bonus; it’s our sincere way of ensuring you feel the benefits of being part of our credit union community. We are deeply grateful for your trust, loyalty, and partnership, and remain committed to supporting your financial well-being.
Giving Back in 2024
Since 1980, we've given back more than
Rebates and Rewards
Member Saver Reward
Our way of saying thanks for saving with us!
The Member Saver Reward gives members in good standing2 the chance to receive a Board-approved percentage of the dividends or interest earned on eligible deposits throughout the year. From savings accounts to CDs, we reward you for saving.
Loan Interest Rebate
Our way of saying thanks for borrowing with us!
The Loan Interest Rebate gives members in good standing2 the chance to receive a Board-approved percentage of the interest they’ve paid on eligible loans throughout the year. Whether it's an auto, personal, or home loan, you benefit simply by borrowing with us.
Visa® Debit Card Rebate
Our way of saying thanks for using your card!
The Visa® Debit Card Rebate gives members in good standing2 the chance to earn a Board-approved percentage of all net purchase transactions made with their Debit Card throughout the year. From everyday purchases and beyond, earn back on what you spend.
What Members Are Saying
Member Giveback FAQs
1. While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply. For the Rebate-Eligible Visa® Credit Card, Loan Interest Rebate typically is deposited to Prime Share Account no later than January 31.
2. Members in good standing are defined as those members who have at least $5 in their Share Account on December 31 of that year, have had no delinquent accounts, have not had adverse collection activities on their account, and have not had accounts charged off. Members who are in default or who have caused the credit union a loss typically are not eligible for year-end rebates and rewards.